GSBX (Golden State Bancorp) LT-Debt-to-Total-Asset: 0.06 (As of Mar. 2026)

What is Golden State Bancorp LT-Debt-to-Total-Asset?

Golden State Bancorp GSBX -0.36% 63 LT-Debt-to-Total-Asset is 0.06 as of Mar. 2026. GuruFocus rates GSBX with a GF Score™ of 63/100 and a GF Value™ of $31.50 (Modestly Overvalued). The stock has 6 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. Golden State Bancorp's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.06.

Golden State Bancorp's long-term debt to total assets ratio declined from Mar. 2025 (0.06) to Mar. 2026 (0.06). It may suggest that Golden State Bancorp is progressively becoming less dependent on debt to grow their business.

Golden State Bancorp (OTCPK:GSBX) 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.

Golden State Bancorp LT-Debt-to-Total-Asset Related Terms

Golden State Bancorp LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Golden State Bancorp'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.

Golden State Bancorp LT-Debt-to-Total-Asset Chart

Golden State Bancorp Annual Data

Trend

Dec04

Dec05

Dec06

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.08

0.04

0.06

Golden State Bancorp Quarterly Data
	Mar07	Jun07	Sep07	Dec19	Dec20	Dec21	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															0.06	0.06	0.05	0.06	0.06

63GF Score

Golden State Bancorp GSBX

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Golden State Bancorp LT-Debt-to-Total-Asset Calculation

Golden State Bancorp'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 )
	=	59.65	/	954.037
	=	0.06

Golden State Bancorp'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 )
	=	59.583	/	973.965
	=	0.06

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

What does a LT-Debt-to-Total-Asset of 0.06 mean?

Golden State Bancorp (GSBX) has a LT-Debt-to-Total-Asset of 0.06 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 Golden State Bancorp and its competitors.

Is Golden State Bancorp's LT-Debt-to-Total-Asset too high?

Golden State Bancorp's current LT-Debt-to-Total-Asset is 0.06. Overall, Golden State Bancorp has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.

How does Golden State Bancorp's LT-Debt-to-Total-Asset compare to PROV and RVSB?

Golden State Bancorp's LT-Debt-to-Total-Asset of 0.06 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 Golden State Bancorp and its competitors. Golden State Bancorp's current LT-Debt-to-Total-Asset is 0.06. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is Golden State Bancorp stock overvalued right now?

Based on GuruFocus' analysis, Golden State Bancorp (GSBX) is currently considered Modestly Overvalued. The stock's GF Value™ is $31.50, compared to a current price of $38.25 — trading 21.4% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.06. Golden State Bancorp's overall GF Score™ is 63/100 with 6 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 Golden State Bancorp (GSBX), the current LT-Debt-to-Total-Asset is 0.06 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 Golden State Bancorp (GSBX) Overvalued in 2026?

Based on GuruFocus' analysis, Golden State Bancorp stock appears to be overvalued. The current stock price of $38.25 is trading 21.4% above its estimated GF Value™ of $31.50. GuruFocus considers Golden State Bancorp to be Modestly Overvalued.

Key valuation signals for GSBX:

LT-Debt-to-Total-Asset: 0.06
GF Value™: $31.50 vs. price of $38.25 (21.4% above fair value)
GF Score™: 63/100 with 6 warning signs

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

Golden State Bancorp Business Description

Industry Financial Services Banks

Comparable Companies PROV RVSB OXBC TYBT PBNK UBOH CMHF SFBC CZBS HARL SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Address 500 North Brand Boulevard, Suite 2300, 23rd Floor, Glendale, CA, USA, 91203

Website https://www.goldenstatebank.com

Golden State Bancorp is a bank holding company. Through the Golden State Bank, it functions as a full-service bank, serving the business, commercial, and professional markets. The bank offers various financial products and services such as different types of loans and advances, deposit accounts, cash management services, and international banking services among others.

63GF Score

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$38.25

Price

$31.50

GF Value

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