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Wilson Bank Holding Co (OTCPK:WBHC) 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%.
Wilson Bank Holding Co Equity-to-Asset Related Terms
Wilson Bank Holding Co Equity-to-Asset Historical Data
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The historical data trend for Wilson Bank Holding Co'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.
For the Banks - Regional subindustry, Wilson Bank Holding Co'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.
Wilson Bank Holding Co Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Wilson Bank Holding Co's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Wilson Bank Holding Co's Equity-to-Asset falls into.
Wilson Bank Holding Co 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.
Wilson Bank Holding Co'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.
Wilson Bank Holding Co (WBHC) has a Equity-to-Asset of 0.10 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Wilson Bank Holding Co and its competitors. This is near median its historical median of 0.11. Over the past decade, Wilson Bank Holding Co's Equity-to-Asset has ranged from 0.08 to 0.12.
Is Wilson Bank Holding Co's Equity-to-Asset too high?
Wilson Bank Holding Co's current Equity-to-Asset of 0.10 is near median its 10-year median of 0.11. Over the past 10 years, this metric has ranged from a low of 0.08 to a high of 0.12. The Banks industry median Equity-to-Asset is 0.10. Wilson Bank Holding Co's value of 0.10 is 0% at this industry median. Overall, Wilson Bank Holding Co has a GF Score™ of 67/100, reflecting its overall financial health beyond just this single metric.
How does Wilson Bank Holding Co's Equity-to-Asset compare to VLY and PB?
Wilson Bank Holding Co's Equity-to-Asset of 0.10 can be compared against companies in the Banks industry. The industry median Equity-to-Asset is 0.10. Wilson Bank Holding Co's value of 0.10 is 0% at this benchmark. Historically, Wilson Bank Holding Co's own Equity-to-Asset has ranged from 0.08 to 0.12 over the past decade. While the company's 10-year median is 0.11 vs. the industry median of 0.10, Wilson Bank Holding Co has consistently been at 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 1,525 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. Wilson Bank Holding Co's current Equity-to-Asset of 0.10 is 0% at 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 Wilson Bank Holding Co 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. Wilson Bank Holding Co's current Equity-to-Asset is 0.10, which is near median its own 10-year median of 0.11. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Wilson Bank Holding Co stock overvalued right now?
Wilson Bank Holding Co (WBHC) has a current Equity-to-Asset of 0.10. The stock's GF Value™ is $194.48, compared to a current price of $550.00 — trading 182.8% above its estimated fair value. The current Equity-to-Asset is 0.10, which is near median its 10-year median of 0.11 and 0% at the Banks industry median of 0.10. Wilson Bank Holding Co's overall GF Score™ is 67/100 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 Wilson Bank Holding Co (WBHC), the current Equity-to-Asset is 0.10 as of Mar. 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 Wilson Bank Holding Co (WBHC) Overvalued in 2026?
Based on GuruFocus' analysis, Wilson Bank Holding Co stock appears to be overvalued.
The current stock price of $550.00 is trading 182.8% above its estimated GF Value™ of $194.48.
Key valuation signals for WBHC:
Equity-to-Asset: 0.10 (near median its 10-year median of 0.11)
GF Value™: $194.48 vs. price of $550.00 (182.8% above fair value)
No single metric tells the full story. See the WBHC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Wilson Bank Holding Co is a Tennessee-based bank holding company. Its banking operations offer a full range of lending products, including commercial, real estate, and consumer loans to individuals, businesses, and professional entities. The company operates in Wilson, DeKalb, Trousdale, Smith, Rutherford, Putnam, Davidson, Williamson, and Sumner counties in Tennessee. It earns its revenue from interest and deposit income. The operations of the company have one operating segment, banking.
67GF Score
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