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Primary BkPRMY +0.71%56 Equity-to-Asset is 0.16 as of Dec. 2025, which is 33% above its 10-year median of 0.12. GuruFocus rates PRMY with a GF Score™ of 56/100 and a GF Value™ of $25.68 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,526 Banks companies, Primary Bk ranks better than 89.25% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Primary Bk's Total Stockholders Equity for the quarter that ended in Dec. 2025 was $113.05 Mil. Primary Bk's Total Assets for the quarter that ended in Dec. 2025 was $722.74 Mil.
Therefore, Primary Bk's Equity to Asset Ratio for the quarter that ended in Dec. 2025 was 0.16.
The historical rank and industry rank for Primary Bk's Equity-to-Asset or its related term are showing as below:
PRMY'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.09 Med: 0.12 Max: 0.16
Current: 0.16
During the past 7 years, the highest Equity to Asset Ratio of Primary Bk was 0.16. The lowest was 0.09. And the median was 0.12.
PRMY's Equity-to-Asset is ranked better than 89.25% of 1526
companies
in the Banks industry
Industry Median: 0.1
vs PRMY: 0.16
Primary Bk (OTCPK:PRMY) 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%.
Primary Bk Equity-to-Asset Related Terms
Primary Bk Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Primary Bk'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.
PRMY vs EMYB, MNSB, ECBK: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Primary Bk'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.
Primary Bk Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Primary Bk's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Primary Bk'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.
Primary Bk'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.
Primary Bk (PRMY) has a Equity-to-Asset of 0.16 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Primary Bk and its competitors. This is 33% above median its historical median of 0.12. Over the past decade, Primary Bk's Equity-to-Asset has ranged from 0.09 to 0.16. According to the industry distribution chart, Primary Bk ranks #164 out of 1526 companies in the Banks industry, placing it in the top 10.7%.
Is Primary Bk's Equity-to-Asset too high?
Primary Bk's current Equity-to-Asset of 0.16 is 33% above median its 10-year median of 0.12. Over the past 10 years, this metric has ranged from a low of 0.09 to a high of 0.16. The Banks industry median Equity-to-Asset is 0.10. Primary Bk's value of 0.16 is 60% above this industry median. Based on the distribution chart, Primary Bk ranks #164 out of 1526 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Primary Bk has a GF Score™ of 56/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Primary Bk's Equity-to-Asset compare to EMYB and MNSB?
According to the Banks industry distribution chart, Primary Bk ranks #164 out of 1526 companies for Equity-to-Asset. This places Primary Bk in the top 11% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.10. Primary Bk's value of 0.16 is 60% above this benchmark. Historically, Primary Bk's own Equity-to-Asset has ranged from 0.09 to 0.16 over the past decade. While the company's 10-year median is 0.12 vs. the industry median of 0.10, Primary Bk 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 1,526 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. Primary Bk's current Equity-to-Asset of 0.16 is 60% 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 Primary Bk 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. Primary Bk's current Equity-to-Asset is 0.16, which is 33% above median its own 10-year median of 0.12. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Primary Bk stock overvalued right now?
Based on GuruFocus' analysis, Primary Bk (PRMY) is currently considered Significantly Overvalued. The stock's GF Value™ is $25.68, compared to a current price of $35.50 — trading 38.2% above its estimated fair value. The current Equity-to-Asset is 0.16, which is 33% above median its 10-year median of 0.12 and 60% above the Banks industry median of 0.10. Primary Bk's overall GF Score™ is 56/100 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 Primary Bk (PRMY), the current Equity-to-Asset is 0.16 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 Primary Bk (PRMY) Overvalued in 2026?
Based on GuruFocus' analysis, Primary Bk stock appears to be overvalued.
The current stock price of $35.50 is trading 38.2% above its estimated GF Value™ of $25.68.
GuruFocus considers Primary Bk to be Significantly Overvalued.
Key valuation signals for PRMY:
Equity-to-Asset: 0.16 (33% above median its 10-year median of 0.12)
GF Value™: $25.68 vs. price of $35.50 (38.2% above fair value)
Industry Position: 60% above the Banks median (#164 of 1526)
No single metric tells the full story. See the PRMY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Primary Bk is a banking service provider. The services offered by the bank include online banking, mobile banking, remote deposit, cash management, and credit cards. The Bank provides a variety of financial services to small and medium-sized businesses, professionals, municipalities, and not-for-profit organizations through its offices in Bedford, Manchester, Derry, and Nashua, New Hampshire.
56GF Score
Get the complete analysis for PRMY
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