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Komercijalna Banka AD Skopje (XMAE:KMB) 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%.
Komercijalna Banka AD Skopje Equity-to-Asset Related Terms
Komercijalna Banka AD Skopje 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.
Komercijalna Banka AD Skopje Equity-to-Asset Chart
For the Banks - Regional subindustry, Komercijalna Banka AD Skopje'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.
Komercijalna Banka AD Skopje Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Komercijalna Banka AD Skopje's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Komercijalna Banka AD Skopje's Equity-to-Asset falls into.
Komercijalna Banka AD Skopje 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.
Komercijalna Banka AD Skopje'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.
Komercijalna Banka AD Skopje (XMAE:KMB) has a Equity-to-Asset of 0.12 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Komercijalna Banka AD Skopje and its competitors. This is near median its historical median of 0.11. Over the past decade, Komercijalna Banka AD Skopje's Equity-to-Asset has ranged from 0.10 to 0.12. According to the industry distribution chart, Komercijalna Banka AD Skopje ranks #427 out of 1517 companies in the Banks industry, placing it in the top 28.1%.
Is Komercijalna Banka AD Skopje's Equity-to-Asset too high?
Komercijalna Banka AD Skopje's current Equity-to-Asset of 0.12 is near median its 10-year median of 0.11. Over the past 10 years, this metric has ranged from a low of 0.10 to a high of 0.12. The Banks industry median Equity-to-Asset is 0.10. Komercijalna Banka AD Skopje's value of 0.12 is 20% above this industry median. Based on the distribution chart, Komercijalna Banka AD Skopje ranks #427 out of 1517 companies in the Banks industry, which is above the industry midpoint. Overall, Komercijalna Banka AD Skopje has a GF Score™ of 57/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Komercijalna Banka AD Skopje's Equity-to-Asset compare to USB and PNC?
According to the Banks industry distribution chart, Komercijalna Banka AD Skopje ranks #427 out of 1517 companies for Equity-to-Asset. This puts Komercijalna Banka AD Skopje in the upper half of its industry. The industry median Equity-to-Asset is 0.10. Komercijalna Banka AD Skopje's value of 0.12 is 20% above this benchmark. Historically, Komercijalna Banka AD Skopje's own Equity-to-Asset has ranged from 0.10 to 0.12 over the past decade. While the company's 10-year median is 0.11 vs. the industry median of 0.10, Komercijalna Banka AD Skopje 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 1,517 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. Komercijalna Banka AD Skopje's current Equity-to-Asset of 0.12 is 20% 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 Komercijalna Banka AD Skopje 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. Komercijalna Banka AD Skopje's current Equity-to-Asset is 0.12, 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 Komercijalna Banka AD Skopje stock overvalued right now?
Based on GuruFocus' analysis, Komercijalna Banka AD Skopje (XMAE:KMB) is currently considered Modestly Undervalued. The stock's GF Value™ is MKD29,350.14, compared to a current price of MKD24,900.00 — trading 15.2% below its estimated fair value. The current Equity-to-Asset is 0.12, which is near median its 10-year median of 0.11 and 20% above the Banks industry median of 0.10. Komercijalna Banka AD Skopje's overall GF Score™ is 57/100 with 3 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 Komercijalna Banka AD Skopje (XMAE:KMB), the current Equity-to-Asset is 0.12 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 Komercijalna Banka AD Skopje (XMAE:KMB) Overvalued in 2026?
Based on GuruFocus' analysis, Komercijalna Banka AD Skopje stock appears to be undervalued.
The current stock price of MKD24,900.00 is trading 15.2% below its estimated GF Value™ of MKD29,350.14.
GuruFocus considers Komercijalna Banka AD Skopje to be Modestly Undervalued.
Key valuation signals for XMAE:KMB:
Equity-to-Asset: 0.12 (near median its 10-year median of 0.11)
GF Value™: MKD29,350.14 vs. price of MKD24,900.00 (15.2% below fair value)
Industry Position: 20% above the Banks median (#427 of 1517)
No single metric tells the full story. See the XMAE:KMB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Komercijalna Banka AD Skopje is a commercial bank. The principal activities of the bank are - collecting deposits, placing loans and advances domestically and abroad, factoring and financing commercial transactions, foreign exchange operations, fast money transfer, trading with foreign currencies, trading with securities, services of a bank-custodian of investment and pension funds, intermediating in selling insurance policies, data collection and analysis of company's credit rating, and many others. It operates in the Republic of Macedonia, Europe, and other EU member countries.
57GF Score
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