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Pacific Alliance Bank CA (OTCPK:PFBN) 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%.
Pacific Alliance Bank CA Equity-to-Asset Related Terms
Pacific Alliance Bank CA 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.
PFBN vs ELMA, CDAB, HRBK: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Pacific Alliance Bank CA'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.
Pacific Alliance Bank CA Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Pacific Alliance Bank CA's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Pacific Alliance Bank CA's Equity-to-Asset falls into.
Pacific Alliance Bank CA 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.
Pacific Alliance Bank CA'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.
Pacific Alliance Bank CA (PFBN) has a Equity-to-Asset of 0.00 as of Sep. 2024. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Pacific Alliance Bank CA and its competitors. Over the past decade, Pacific Alliance Bank CA's Equity-to-Asset has ranged from 0.12 to 0.15. According to the industry distribution chart, Pacific Alliance Bank CA ranks #332 out of 1518 companies in the Banks industry, placing it in the top 21.9%.
Is Pacific Alliance Bank CA's Equity-to-Asset too high?
Pacific Alliance Bank CA's current Equity-to-Asset is 0.00. Over the past 10 years, this metric has ranged from a low of 0.12 to a high of 0.15. Based on the distribution chart, Pacific Alliance Bank CA ranks #332 out of 1518 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Pacific Alliance Bank CA has a GF Score™ of 49/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pacific Alliance Bank CA's Equity-to-Asset compare to ELMA and CDAB?
According to the Banks industry distribution chart, Pacific Alliance Bank CA ranks #332 out of 1518 companies for Equity-to-Asset. This places Pacific Alliance Bank CA in the top 22% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.10. Historically, Pacific Alliance Bank CA's own Equity-to-Asset has ranged from 0.12 to 0.15 over the past decade. 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 1,518 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. 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 Pacific Alliance Bank CA 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. Pacific Alliance Bank CA's current Equity-to-Asset is 0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pacific Alliance Bank CA stock overvalued right now?
Based on GuruFocus' analysis, Pacific Alliance Bank CA (PFBN) is currently considered Significantly Overvalued. The stock's GF Value™ is $8.49, compared to a current price of $11.98 — trading 41.1% above its estimated fair value. The current Equity-to-Asset is 0.00. Pacific Alliance Bank CA's overall GF Score™ is 49/100 with 5 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 Pacific Alliance Bank CA (PFBN), the current Equity-to-Asset is 0.00 as of Sep. 2024. 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 Pacific Alliance Bank CA (PFBN) Overvalued in 2026?
Based on GuruFocus' analysis, Pacific Alliance Bank CA stock appears to be overvalued.
The current stock price of $11.98 is trading 41.1% above its estimated GF Value™ of $8.49.
GuruFocus considers Pacific Alliance Bank CA to be Significantly Overvalued.
Key valuation signals for PFBN:
Equity-to-Asset: 0.00
GF Value™: $8.49 vs. price of $11.98 (41.1% above fair value)
No single metric tells the full story. See the PFBN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Pacific Alliance Bank CA is a commercial bank, engaged in client relationships with businesses, client communities, related business owners, owner's families, and employees. The company delivers distinctive deposit, loan, and service products, based on client needs. It serves Rosemead, its surrounding communities, and Southern California in general. The bank has branches in San Gabriel, Rowland Heights, and Irvine.
49GF Score
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Equity-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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