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National Cap BancorpNACB 63 Equity-to-Asset is 0.09 as of Dec. 2025, which is 13% above its 10-year median of 0.08. GuruFocus rates NACB with a GF Score™ of 63/100 and a GF Value™ of $58.50 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,524 Banks companies, National Cap Bancorp ranks worse than 55.64% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. National Cap Bancorp's Total Stockholders Equity for the quarter that ended in Dec. 2025 was $67.66 Mil. National Cap Bancorp's Total Assets for the quarter that ended in Dec. 2025 was $763.75 Mil.
Therefore, National Cap Bancorp's Equity to Asset Ratio for the quarter that ended in Dec. 2025 was 0.09.
The historical rank and industry rank for National Cap Bancorp's Equity-to-Asset or its related term are showing as below:
NACB'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.08 Med: 0.08 Max: 0.09
Current: 0.09
During the past 7 years, the highest Equity to Asset Ratio of National Cap Bancorp was 0.09. The lowest was 0.08. And the median was 0.08.
NACB's Equity-to-Asset is ranked worse than 55.64% of 1524
companies
in the Banks industry
Industry Median: 0.1
vs NACB: 0.09
National Cap Bancorp (OTCPK:NACB) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
National Cap Bancorp Equity-to-Asset Related Terms
National Cap Bancorp Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for National Cap Bancorp's Equity-to-Asset can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
NACB vs UBCP, FDVA, CBKM: Equity-to-Asset Comparison
For the Banks - Regional subindustry, National Cap Bancorp's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
National Cap Bancorp Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, National Cap Bancorp's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where National Cap Bancorp's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
National Cap Bancorp's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
National Cap Bancorp (NACB) has a Equity-to-Asset of 0.09 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on National Cap Bancorp and its competitors. This is 13% above median its historical median of 0.08. Over the past decade, National Cap Bancorp's Equity-to-Asset has ranged from 0.08 to 0.09. According to the industry distribution chart, National Cap Bancorp ranks #848 out of 1524 companies in the Banks industry, placing it in the top 55.6%.
Is National Cap Bancorp's Equity-to-Asset too high?
National Cap Bancorp's current Equity-to-Asset of 0.09 is 13% above median its 10-year median of 0.08. Over the past 10 years, this metric has ranged from a low of 0.08 to a high of 0.09. The Banks industry median Equity-to-Asset is 0.10. National Cap Bancorp's value of 0.09 is 10% below this industry median. Based on the distribution chart, National Cap Bancorp ranks #848 out of 1524 companies in the Banks industry, which is below the industry midpoint. Overall, National Cap Bancorp has a GF Score™ of 63/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does National Cap Bancorp's Equity-to-Asset compare to UBCP and FDVA?
According to the Banks industry distribution chart, National Cap Bancorp ranks #848 out of 1524 companies for Equity-to-Asset. This places National Cap Bancorp in the lower half of its industry. The industry median Equity-to-Asset is 0.10. National Cap Bancorp's value of 0.09 is 10% below this benchmark. Historically, National Cap Bancorp's own Equity-to-Asset has ranged from 0.08 to 0.09 over the past decade. While the company's 10-year median is 0.08 vs. the industry median of 0.10, National Cap Bancorp has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. National Cap Bancorp's current Equity-to-Asset of 0.09 is 10% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on National Cap Bancorp and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. National Cap Bancorp's current Equity-to-Asset is 0.09, which is 13% above median its own 10-year median of 0.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is National Cap Bancorp stock overvalued right now?
Based on GuruFocus' analysis, National Cap Bancorp (NACB) is currently considered Significantly Overvalued. The stock's GF Value™ is $58.50, compared to a current price of $81.08 — trading 38.6% above its estimated fair value. The current Equity-to-Asset is 0.09, which is 13% above median its 10-year median of 0.08 and 10% below the Banks industry median of 0.10. National Cap Bancorp's overall GF Score™ is 63/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For National Cap Bancorp (NACB), the current Equity-to-Asset is 0.09 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is National Cap Bancorp (NACB) Overvalued in 2026?
Based on GuruFocus' analysis, National Cap Bancorp stock appears to be overvalued.
The current stock price of $81.08 is trading 38.6% above its estimated GF Value™ of $58.50.
GuruFocus considers National Cap Bancorp to be Significantly Overvalued.
Key valuation signals for NACB:
Equity-to-Asset: 0.09 (13% above median its 10-year median of 0.08)
GF Value™: $58.50 vs. price of $81.08 (38.6% above fair value)
Industry Position: 10% below the Banks median (#848 of 1524)
No single metric tells the full story. See the NACB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
National Cap Bancorp Inc provides general banking services. The bank provides personal banking, mortgages, business banking services, and wealth management such as personal savings and loans, mobile banking, ATM cards, robust eBanking, remote deposit capture, merchant processing, construction finance, equipment leasing, treasury management services, and others.
63GF Score
Get the complete analysis for NACB
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