Madison County Financial (Madison County Financial) Cash-to-Debt : 0.14 (As of Dec. 2018)

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What is Madison County Financial Cash-to-Debt?

Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Madison County Financial's cash to debt ratio for the quarter that ended in Dec. 2018 was 0.14.

If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Madison County Financial couldn't pay off its debt using the cash in hand for the quarter that ended in Dec. 2018.

The historical rank and industry rank for Madison County Financial's Cash-to-Debt or its related term are showing as below:

MCBK's Cash-to-Debt is not ranked ^*
in the Banks industry.
Industry Median: 1.235
* Ranked among companies with meaningful Cash-to-Debt only.

Madison County Financial Cash-to-Debt Historical Data

The historical data trend for Madison County Financial's Cash-to-Debt 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.

Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.

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Madison County Financial Cash-to-Debt Chart

Madison County Financial Annual Data

Trend

Dec10

Dec11

Dec12

Dec13

Dec14

Dec15

Dec16

Dec17

Dec18

Cash-to-Debt

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0.14

0.13

0.14

0.12

0.14

Madison County Financial Quarterly Data
	Mar14	Jun14	Sep14	Dec14	Mar15	Jun15	Sep15	Dec15	Mar16	Jun16	Sep16	Dec16	Mar17	Jun17	Sep17	Dec17	Mar18	Jun18	Sep18	Dec18
Cash-to-Debt	Get a 7-Day Free Trial															0.12	N/A	N/A	N/A	0.14

Competitive Comparison of Madison County Financial's Cash-to-Debt

For the Banks - Regional subindustry, Madison County Financial's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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.

Madison County Financial's Cash-to-Debt Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Madison County Financial's Cash-to-Debt distribution charts can be found below:

* The bar in red indicates where Madison County Financial's Cash-to-Debt falls into.

Madison County Financial Cash-to-Debt Calculation

This is the ratio of a company's Balance Sheet Cash And Cash Equivalents to its debt. The debt includes the Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation. This ratio measures the financial strength of a company. This ratio is updated quarterly.

Madison County Financial's Cash to Debt Ratio for the fiscal year that ended in Dec. 2018 is calculated as:

Cash to Debt Ratio	=	Balance Sheet Cash And Cash Equivalents	/	Total Debt
	=	Balance Sheet Cash And Cash Equivalents	/	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)
	=	7.375	/	(0	+	51.6)
	=	0.14

Madison County Financial's Cash to Debt Ratio for the quarter that ended in Dec. 2018 is calculated as:

Cash to Debt Ratio	=	Balance Sheet Cash And Cash Equivalents	/	Total Debt
	=	Balance Sheet Cash And Cash Equivalents	/	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)
	=	7.375	/	(0	+	51.6)
	=	0.14

Madison County Financial (OTCPK:MCBK) Cash-to-Debt Explanation

If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.

Madison County Financial Cash-to-Debt Related Terms

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Madison County Financial (Madison County Financial) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Madison County Financial Inc (OTCPK:MCBK) » Definitions » Cash-to-Debt

Comparable Companies

Traded in Other Exchanges

N/A

Address

111 West Third Street, PO Box 650, Madison, NE, USA, 68748

Website

http://www.madisoncountybank.com

Madison County Financial Inc is a bank holding company. The company is engaged in providing a full range of banking and financial services to individuals and corporate customers in the areas surrounding Madison, Nebraska. It offers deposit accounts, including non-interest-bearing and interest-bearing checking accounts, money market savings accounts, and certificates of deposit. The Bank offers online banking services, including mobile banking, mobile deposit, e-statements and bill pay services. It also offers various loans, including agricultural loans, residential mortgage loans, construction home loans, and consumer loans.

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