MNB Holdings (MNB Holdings) Accounts Receivable

: $1.02 Mil (As of Dec. 2022)

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Accounts Receivable are created when a customer has received a product but has not yet paid for that product. MNB Holdings's accounts receivables for the quarter that ended in Dec. 2022 was $1.02 Mil.

Accounts receivable can be measured by Days Sales Outstanding. MNB Holdings's Days Sales Outstanding for the quarter that ended in Dec. 2022 was 25.98.

In Ben Graham's calculation of Net-Net Working Capital, accounts receivable are only considered to be worth 75% of book value. MNB Holdings's Net-Net Working Capital per share for the quarter that ended in Dec. 2022 was $-259.49.

MNB Holdings Accounts Receivable Historical Data

The historical data trend for MNB Holdings's Accounts Receivable 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.

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MNB Holdings Annual Data

Trend

Dec13

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Accounts Receivable

1.12

1.54

2.31

1.73

1.02

MNB Holdings Semi-Annual Data
	Dec04	Dec05	Dec06	Dec07	Dec13	Dec14	Dec15	Dec16	Dec17	Dec18	Dec19	Dec20	Dec21	Dec22
Accounts Receivable										1.12	1.54	2.31	1.73	1.02

MNB Holdings Accounts Receivable Calculation

Accounts Receivable is money owed to a business by customers and shown on its Balance Sheet as an asset.

MNB Holdings Accounts Receivable Explanation

1. Accounts Receivable are created when a customer has received a product but has not yet paid for that product. Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's accounts receivables are being managed.

MNB Holdings's Days Sales Outstanding for the quarter that ended in Dec. 2022 is calculated as:

	Days Sales Outstanding
=	Accounts Receivable	/	Revenue	*	Days in Period
=	1.016	/	7.136	*	91
=	25.98

2. In Ben Graham's calculation of Net-Net Working Capital (NNWC), MNB Holdings's accounts receivable are only considered to be worth 75% of book value:

MNB Holdings's Net-Net Working Capital Per Share for the quarter that ended in Dec. 2022 is calculated as:

	Net-Net Working Capital Per Share
=	(Cash And Cash Equivalents	+	0.75 * Accounts Receivable	+	0.5 * Total Inventories	-	Total Liabilities
-	Preferred Stock	-	Minority Interest)	/	Shares Outstanding (EOP)
=	(39.852	+	0.75 * 1.016	+	0.5 * 0	-	159.148
-	0	-	0)	/	0.45679
=	-259.49

Be Aware

Net receivables tells us a great deal about the different competitors in the same industry. In competitive industries, some attempt to gain advantage by offering better credit terms, causing increase in sales and receivables.

If company consistently shows lower % Net receivables to gross sales than competitors, then it usually has some kind of competitive advantage which requires further digging.

Average Days Sales Outstanding is a good indicator for measuring a company's sales channel and customers. A company may book great revenue and earnings growth but never receive payment from their customers. This may force a write-off in the future and depress future earnings.

MNB Holdings Accounts Receivable Related Terms

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MNB Holdings (MNB Holdings) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » MNB Holdings Corp (OTCPK:MNBO) » Definitions » Accounts Receivable

Comparable Companies

Traded in Other Exchanges

N/A

Address

3060 16th Street, San Francisco, CA, USA, 94103

Website

https://www.mnbsf.com

MNB Holdings Corp is a commercial bank. It provides business checking, business lending, and personal banking services. In business banking, it offers business money market, business savings, business checking analyzed and Attorney Trust Account. The company provides service to underserved groups, such as commercial banking services to minority small businesses, and niche retail segments and geographic operating areas.

Executives

Maritza Aberouette

director

3060 16TH STREET, C/O MNB HOLDINGS CORP, SAN FRANCISCO CA 94103

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