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West Shore BankWSSH 58 Equity-to-Asset is 0.07 as of Dec. 2025, which is at its 10-year median of 0.07. GuruFocus rates WSSH with a GF Score™ of 58/100 and a GF Value™ of $35.37 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,524 Banks companies, West Shore Bank ranks worse than 76.51% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. West Shore Bank's Total Stockholders Equity for the quarter that ended in Dec. 2025 was $57.10 Mil. West Shore Bank's Total Assets for the quarter that ended in Dec. 2025 was $820.44 Mil.
Therefore, West Shore Bank's Equity to Asset Ratio for the quarter that ended in Dec. 2025 was 0.07.
The historical rank and industry rank for West Shore Bank's Equity-to-Asset or its related term are showing as below:
WSSH'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.05 Med: 0.07 Max: 0.1
Current: 0.07
During the past 7 years, the highest Equity to Asset Ratio of West Shore Bank was 0.10. The lowest was 0.05. And the median was 0.07.
WSSH's Equity-to-Asset is ranked worse than 76.51% of 1524
companies
in the Banks industry
Industry Median: 0.1
vs WSSH: 0.07
West Shore Bank (OTCPK:WSSH) 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%.
West Shore Bank Equity-to-Asset Related Terms
West Shore Bank Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for West Shore Bank'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.
WSSH vs FGFI, TBBC, BKFL: Equity-to-Asset Comparison
For the Banks - Regional subindustry, West Shore 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.
West Shore Bank Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, West Shore Bank's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where West Shore Bank'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.
West Shore Bank'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.
West Shore Bank (WSSH) has a Equity-to-Asset of 0.07 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on West Shore Bank and its competitors. This is near median its historical median of 0.07. Over the past decade, West Shore Bank's Equity-to-Asset has ranged from 0.05 to 0.10. According to the industry distribution chart, West Shore Bank ranks #1166 out of 1524 companies in the Banks industry, placing it in the top 76.5%.
Is West Shore Bank's Equity-to-Asset too high?
West Shore Bank's current Equity-to-Asset of 0.07 is near median its 10-year median of 0.07. Over the past 10 years, this metric has ranged from a low of 0.05 to a high of 0.10. The Banks industry median Equity-to-Asset is 0.10. West Shore Bank's value of 0.07 is 30% below this industry median. Based on the distribution chart, West Shore Bank ranks #1166 out of 1524 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, West Shore Bank has a GF Score™ of 58/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does West Shore Bank's Equity-to-Asset compare to FGFI and TBBC?
According to the Banks industry distribution chart, West Shore Bank ranks #1166 out of 1524 companies for Equity-to-Asset. This places West Shore Bank in the lower half of its industry. The industry median Equity-to-Asset is 0.10. West Shore Bank's value of 0.07 is 30% below this benchmark. Historically, West Shore Bank's own Equity-to-Asset has ranged from 0.05 to 0.10 over the past decade. While the company's 10-year median is 0.07 vs. the industry median of 0.10, West Shore Bank 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. West Shore Bank's current Equity-to-Asset of 0.07 is 30% 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 West Shore 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. West Shore Bank's current Equity-to-Asset is 0.07, which is near median its own 10-year median of 0.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is West Shore Bank stock overvalued right now?
Based on GuruFocus' analysis, West Shore Bank (WSSH) is currently considered Modestly Overvalued. The stock's GF Value™ is $35.37, compared to a current price of $43.55 — trading 23.1% above its estimated fair value. The current Equity-to-Asset is 0.07, which is near median its 10-year median of 0.07 and 30% below the Banks industry median of 0.10. West Shore Bank's overall GF Score™ is 58/100 with 7 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 West Shore Bank (WSSH), the current Equity-to-Asset is 0.07 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 West Shore Bank (WSSH) Overvalued in 2026?
Based on GuruFocus' analysis, West Shore Bank stock appears to be overvalued.
The current stock price of $43.55 is trading 23.1% above its estimated GF Value™ of $35.37.
GuruFocus considers West Shore Bank to be Modestly Overvalued.
Key valuation signals for WSSH:
Equity-to-Asset: 0.07 (near median its 10-year median of 0.07)
GF Value™: $35.37 vs. price of $43.55 (23.1% above fair value)
Industry Position: 30% below the Banks median (#1166 of 1524)
No single metric tells the full story. See the WSSH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
West Shore Bank Corp is a provider of banking and financial service. The banks services include time savings, demand deposits and checking account services; commercial, consumer and mortgage loan services; treasury and cash management services; wealth management and investment services; telephone banking, Internet banking and mobile banking services; safe deposit, and automated transaction machine (ATM/ITM) services, among others.
58GF Score
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