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Tamilnad Mercantile BankNSE:TMB +0.43%55 Equity-to-Asset is 0.13 as of Jun. 2026, which is at its 10-year median of 0.13. GuruFocus rates NSE:TMB with a GF Score™ of 55/100 and a GF Value™ of ₹612.95 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,521 Banks companies, Tamilnad Mercantile Bank ranks better than 78.24% on this metric.
Tamilnad Mercantile Bank (NSE:TMB) 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%.
Tamilnad Mercantile Bank Equity-to-Asset Related Terms
Tamilnad Mercantile Bank Equity-to-Asset Historical Data
* 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.
Tamilnad Mercantile Bank Equity-to-Asset Competitor Comparison
For the Banks - Regional subindustry, Tamilnad Mercantile Bank'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.
Tamilnad Mercantile Bank Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Tamilnad Mercantile Bank's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Tamilnad Mercantile Bank's Equity-to-Asset falls into.
Tamilnad Mercantile Bank Equity-to-Asset Calculation
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.
Tamilnad Mercantile Bank's Equity to Asset Ratio for the fiscal year that ended in Mar. 2026 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.
Tamilnad Mercantile Bank (NSE:TMB) has a Equity-to-Asset of 0.13 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Tamilnad Mercantile Bank and its competitors. This is near median its historical median of 0.13. Over the past decade, Tamilnad Mercantile Bank's Equity-to-Asset has ranged from 0.09 to 0.14. According to the industry distribution chart, Tamilnad Mercantile Bank ranks #331 out of 1521 companies in the Banks industry, placing it in the top 21.8%.
Is Tamilnad Mercantile Bank's Equity-to-Asset too high?
Tamilnad Mercantile Bank's current Equity-to-Asset of 0.13 is near median its 10-year median of 0.13. Over the past 10 years, this metric has ranged from a low of 0.09 to a high of 0.14. The Banks industry median Equity-to-Asset is 0.10. Tamilnad Mercantile Bank's value of 0.13 is 30% above this industry median. Based on the distribution chart, Tamilnad Mercantile Bank ranks #331 out of 1521 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Tamilnad Mercantile Bank has a GF Score™ of 55/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Tamilnad Mercantile Bank's Equity-to-Asset compare to competitors?
According to the Banks industry distribution chart, Tamilnad Mercantile Bank ranks #331 out of 1521 companies for Equity-to-Asset. This places Tamilnad Mercantile Bank in the top 22% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.10. Tamilnad Mercantile Bank's value of 0.13 is 30% above this benchmark. Historically, Tamilnad Mercantile Bank's own Equity-to-Asset has ranged from 0.09 to 0.14 over the past decade. While the company's 10-year median is 0.13 vs. the industry median of 0.10, Tamilnad Mercantile Bank has consistently been above 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 1,521 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. Tamilnad Mercantile Bank's current Equity-to-Asset of 0.13 is 30% above 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 Tamilnad Mercantile Bank 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. Tamilnad Mercantile Bank's current Equity-to-Asset is 0.13, which is near median its own 10-year median of 0.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Tamilnad Mercantile Bank stock overvalued right now?
Based on GuruFocus' analysis, Tamilnad Mercantile Bank (NSE:TMB) is currently considered Significantly Overvalued. The stock's GF Value™ is ₹612.95, compared to a current price of ₹936.45 — trading 52.8% above its estimated fair value. The current Equity-to-Asset is 0.13, which is near median its 10-year median of 0.13 and 30% above the Banks industry median of 0.10. Tamilnad Mercantile Bank's overall GF Score™ is 55/100 with 6 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 Tamilnad Mercantile Bank (NSE:TMB), the current Equity-to-Asset is 0.13 as of Jun. 2026. 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 Tamilnad Mercantile Bank (NSE:TMB) Overvalued in 2026?
Based on GuruFocus' analysis, Tamilnad Mercantile Bank stock appears to be overvalued.
The current stock price of ₹936.45 is trading 52.8% above its estimated GF Value™ of ₹612.95.
GuruFocus considers Tamilnad Mercantile Bank to be Significantly Overvalued.
Key valuation signals for NSE:TMB:
Equity-to-Asset: 0.13 (near median its 10-year median of 0.13)
GF Value™: ₹612.95 vs. price of ₹936.45 (52.8% above fair value)
Industry Position: 30% above the Banks median (#331 of 1521)
No single metric tells the full story. See the NSE:TMB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Tamilnad Mercantile Bank Ltd is engaged in providing a wide range of banking & financial services involving retail, corporate banking and para-banking activities in addition to treasury and foreign exchange business. The company has a portfolio of advances and deposits from a diversified customer base including retail customers, agricultural customers, and MSMEs. The segments of the bank are Treasury, Corporate and Wholesale banking, Retail banking, and Other banking Operations. It generates the majority of its revenue from the Retail banking segment.
55GF Score
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