Berner Kantonalbank AG (LTS:0QM2) LT-Debt-to-Total-Asset: 0.21 (As of Dec. 2025)

What is Berner Kantonalbank AG LT-Debt-to-Total-Asset?

Berner Kantonalbank AG LTS:0QM2 +3.87% 51 LT-Debt-to-Total-Asset is 0.21 as of Dec. 2025. GuruFocus rates LTS:0QM2 with a GF Score™ of 51/100 and a GF Value™ of CHF254.62 (Significantly Overvalued). The stock has 3 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. Berner Kantonalbank AG's long-term debt to total assests ratio for the quarter that ended in Dec. 2025 was 0.21.

Berner Kantonalbank AG's long-term debt to total assets ratio increased from Dec. 2024 (0.20) to Dec. 2025 (0.21). It may suggest that Berner Kantonalbank AG is progressively becoming more dependent on debt to grow their business.

Berner Kantonalbank AG (LTS:0QM2) 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.

Berner Kantonalbank AG LT-Debt-to-Total-Asset Related Terms

Berner Kantonalbank AG LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Berner Kantonalbank AG'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.

Berner Kantonalbank AG LT-Debt-to-Total-Asset Chart

Berner Kantonalbank AG Annual Data

Trend

Dec16

Dec17

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Dec21

Dec22

Dec23

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Dec25

LT-Debt-to-Total-Asset

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0.19

0.20

0.21

Berner Kantonalbank AG Semi-Annual Data
	Jun16	Dec16	Jun17	Dec17	Jun18	Dec18	Jun19	Dec19	Jun20	Dec20	Jun21	Dec21	Jun22	Dec22	Jun23	Dec23	Jun24	Dec24	Jun25	Dec25
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.20	0.20	0.20	0.21	0.21

51GF Score

Berner Kantonalbank AG LTS:0QM2

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Berner Kantonalbank AG LT-Debt-to-Total-Asset Calculation

Berner Kantonalbank AG'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 )
	=	9205.048	/	42976.997
	=	0.21

Berner Kantonalbank AG's Long-Term Debt to Total Asset Ratio for the quarter that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (Q: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (Q: Dec. 2025 )	/	Total Assets (Q: Dec. 2025 )
	=	9205.048	/	42976.997
	=	0.21

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

What does a LT-Debt-to-Total-Asset of 0.21 mean?

Berner Kantonalbank AG (LTS:0QM2) has a LT-Debt-to-Total-Asset of 0.21 as of Dec. 2025. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Berner Kantonalbank AG and its competitors.

Is Berner Kantonalbank AG's LT-Debt-to-Total-Asset too high?

Berner Kantonalbank AG's current LT-Debt-to-Total-Asset is 0.21. Overall, Berner Kantonalbank AG has a GF Score™ of 51/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.

How does Berner Kantonalbank AG's LT-Debt-to-Total-Asset compare to competitors?

Berner Kantonalbank AG's LT-Debt-to-Total-Asset of 0.21 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 Berner Kantonalbank AG and its competitors. Berner Kantonalbank AG's current LT-Debt-to-Total-Asset is 0.21. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is Berner Kantonalbank AG stock overvalued right now?

Based on GuruFocus' analysis, Berner Kantonalbank AG (LTS:0QM2) is currently considered Significantly Overvalued. The stock's GF Value™ is CHF254.62, compared to a current price of CHF387.36 — trading 52.1% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.21. Berner Kantonalbank AG's overall GF Score™ is 51/100 with 3 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 Berner Kantonalbank AG (LTS:0QM2), the current LT-Debt-to-Total-Asset is 0.21 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 Berner Kantonalbank AG (LTS:0QM2) Overvalued in 2026?

Based on GuruFocus' analysis, Berner Kantonalbank AG stock appears to be overvalued. The current stock price of CHF387.36 is trading 52.1% above its estimated GF Value™ of CHF254.62. GuruFocus considers Berner Kantonalbank AG to be Significantly Overvalued.

Key valuation signals for LTS:0QM2:

LT-Debt-to-Total-Asset: 0.21
GF Value™: CHF254.62 vs. price of CHF387.36 (52.1% above fair value)
GF Score™: 51/100 with 3 warning signs

No single metric tells the full story. See the LTS:0QM2 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Berner Kantonalbank AG Business Description

Industry Financial Services Banks

Comparable Companies XSWX:LLBN XSWX:SGKN XSWX:ZUGER XSWX:CMBN XSWX:VATN XSWX:WKBN XSWX:BCGE XSWX:GRKP XSWX:LUKN XSWX:TKBP SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Other Exchanges BEKNz:UK BEHV:Germany BEKN:Switzerland

Address Bundesplatz 8, Postfach, Bern, CHE, 3011

Website https://www.bekb.ch

Berner Kantonalbank AG is a Swiss cantonal bank. It is engaged in the business activities in the Canton and the neighboring economic area. It manages the assets, grants loans to private individuals and companies. The bank offers solutions for paying, saving, investing, financing and provisioning. It focuses its activities on two core business areas namely business with private and corporate customers, in particular, SMEs, and asset management. The bank provides consultancies to SMEs and individuals, as an employer, as a training bank, and as a taxpayer.

51GF Score

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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.

CHF387.36

Price

CHF254.62

GF Value

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