CB First Investment Bank AD (FRA:834) LT-Debt-to-Total-Asset: 0.12 (As of Mar. 2026)

What is CB First Investment Bank AD LT-Debt-to-Total-Asset?

CB First Investment Bank AD FRA:834 +2.65% 60 LT-Debt-to-Total-Asset is 0.12 as of Mar. 2026. GuruFocus rates FRA:834 with a GF Score™ of 60/100 and a GF Value™ of €4.53 (Significantly Undervalued). The stock has 4 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. CB First Investment Bank AD's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.12.

CB First Investment Bank AD's long-term debt to total assets ratio increased from Mar. 2025 (0.07) to Mar. 2026 (0.12). It may suggest that CB First Investment Bank AD is progressively becoming more dependent on debt to grow their business.

CB First Investment Bank AD (FRA:834) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

CB First Investment Bank AD LT-Debt-to-Total-Asset Related Terms

CB First Investment Bank AD LT-Debt-to-Total-Asset Historical Data

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The historical data trend for CB First Investment Bank AD's LT-Debt-to-Total-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.

CB First Investment Bank AD LT-Debt-to-Total-Asset Chart

CB First Investment Bank AD Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.04

0.06

0.09

CB First Investment Bank AD Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.07	0.08	0.09	0.09	0.12

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CB First Investment Bank AD FRA:834

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CB First Investment Bank AD LT-Debt-to-Total-Asset Calculation

CB First Investment Bank AD's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	835.7	/	9759.145
	=	0.09

CB First Investment Bank AD's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	1292.629	/	10744.965
	=	0.12

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.12 mean?

CB First Investment Bank AD (FRA:834) has a LT-Debt-to-Total-Asset of 0.12 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on CB First Investment Bank AD and its competitors.

Is CB First Investment Bank AD's LT-Debt-to-Total-Asset too high?

CB First Investment Bank AD's current LT-Debt-to-Total-Asset is 0.12. Overall, CB First Investment Bank AD has a GF Score™ of 60/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.

How does CB First Investment Bank AD's LT-Debt-to-Total-Asset compare to PNC and USB?

CB First Investment Bank AD's LT-Debt-to-Total-Asset of 0.12 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on CB First Investment Bank AD and its competitors. CB First Investment Bank AD's current LT-Debt-to-Total-Asset is 0.12. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is CB First Investment Bank AD stock overvalued right now?

Based on GuruFocus' analysis, CB First Investment Bank AD (FRA:834) is currently considered Significantly Undervalued. The stock's GF Value™ is €4.53, compared to a current price of €3.10 — trading 31.6% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.12. CB First Investment Bank AD's overall GF Score™ is 60/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For CB First Investment Bank AD (FRA:834), the current LT-Debt-to-Total-Asset is 0.12 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 CB First Investment Bank AD (FRA:834) Overvalued in 2026?

Based on GuruFocus' analysis, CB First Investment Bank AD stock appears to be undervalued. The current stock price of €3.10 is trading 31.6% below its estimated GF Value™ of €4.53. GuruFocus considers CB First Investment Bank AD to be Significantly Undervalued.

Key valuation signals for FRA:834:

LT-Debt-to-Total-Asset: 0.12
GF Value™: €4.53 vs. price of €3.10 (31.6% below fair value)
GF Score™: 60/100 with 4 warning signs

No single metric tells the full story. See the FRA:834 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

CB First Investment Bank AD Business Description

Industry Financial Services Banks

Comparable Companies XBUL:CCB XBUL:BACB XBUL:DUH XBUL:TXIM SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN XMAD:CABK PNC USB BSP:ITUB3 SGX:O39 LSE:LLOY

Other Exchanges FIB:Bulgaria

Address 111P, Tsarigradsko shose Boulevard, Sofia 1784, Sofia, BGR, 1797

Website https://www.fibank.bg

CB First Investment Bank AD provides banking services. The company provides Retail banking; Microlending; SME banking; Corporate banking; Card payments; Digital banking; Trade financing; International payments; Corporate lending, and others. Geographically the group operates principally in Bulgaria but also has operations in Cyprus and Albania.

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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€3.10

Price

€4.53

GF Value

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