JBTC (Jbt Bancorp) LT-Debt-to-Total-Asset: 0.06 (As of Mar. 2026)

What is Jbt Bancorp LT-Debt-to-Total-Asset?

Jbt Bancorp JBTC 65 LT-Debt-to-Total-Asset is 0.06 as of Mar. 2026. GuruFocus rates JBTC with a GF Score™ of 65/100 and a GF Value™ of $32.37 (Modestly Overvalued). The stock has 5 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. Jbt Bancorp's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.06.

Jbt Bancorp's long-term debt to total assets ratio declined from Mar. 2025 (0.07) to Mar. 2026 (0.06). It may suggest that Jbt Bancorp is progressively becoming less dependent on debt to grow their business.

Jbt Bancorp (OTCPK:JBTC) 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.

Jbt Bancorp LT-Debt-to-Total-Asset Related Terms

Jbt Bancorp LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Jbt 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.

Jbt Bancorp LT-Debt-to-Total-Asset Chart

Jbt Bancorp Annual Data

Trend

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.04

0.06

0.10

0.08

0.06

Jbt Bancorp Quarterly Data
	Dec19	Dec20	Dec21	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	0.06	0.06	0.06	0.06

65GF Score

Jbt Bancorp Inc JBTC

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Jbt Bancorp LT-Debt-to-Total-Asset Calculation

Jbt 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 )
	=	57.937	/	988.719
	=	0.06

Jbt 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 )
	=	57.939	/	1004.066
	=	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?

Jbt Bancorp (JBTC) 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 Jbt Bancorp and its competitors.

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

Jbt Bancorp's current LT-Debt-to-Total-Asset is 0.06. Overall, Jbt Bancorp has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.

How does Jbt Bancorp's LT-Debt-to-Total-Asset compare to SEBC and UBCP?

Jbt 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 Jbt Bancorp and its competitors. Jbt 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 Jbt Bancorp stock overvalued right now?

Based on GuruFocus' analysis, Jbt Bancorp (JBTC) is currently considered Modestly Overvalued. The stock's GF Value™ is $32.37, compared to a current price of $37.55 — trading 16% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.06. Jbt Bancorp's overall GF Score™ is 65/100 with 5 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 Jbt Bancorp (JBTC), 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 Jbt Bancorp (JBTC) Overvalued in 2026?

Based on GuruFocus' analysis, Jbt Bancorp stock appears to be overvalued. The current stock price of $37.55 is trading 16% above its estimated GF Value™ of $32.37. GuruFocus considers Jbt Bancorp to be Modestly Overvalued.

Key valuation signals for JBTC:

LT-Debt-to-Total-Asset: 0.06
GF Value™: $32.37 vs. price of $37.55 (16% above fair value)
GF Score™: 65/100 with 5 warning signs

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

Jbt Bancorp Business Description

Industry Financial Services Banks

Comparable Companies SEBC UBCP PBKC CBKM BKSC SSBI FUSB NACB BCOW BSFO SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Address 2 West Market Street, P.O. Box 717, Jonestown, PA, USA, 17038

Website https://www.jbt.bank

Jbt Bancorp Inc operates under a state bank charter and provides full banking services, including trust services. The company's deposit products are checking, savings, and term certificate accounts, and its lending products are residential mortgage, commercial, and installment loans. Substantially all loans are secured by specific items of collateral, including business assets, consumer assets, and commercial and residential real estate. Commercial loans are expected to be repaid from the cash flow from the operations of businesses. It offers personal banking, business banking, and digital and mobile banking. Further, it is also involved in investment, trust, and retirement-related activities. It operates in the Community Banking Segment.

65GF Score

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$37.55

Price

$32.37

GF Value

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