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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Merchants & Marine BancorpMNMB +1.83%64 Cash-to-Debt is No Debt (1) as of Jun. 2026, which is 100% below its 10-year median of 10,000.00. GuruFocus rates MNMB with a GF Score™ of 64/100 and a GF Value™ of $72.46 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 1,494 Banks companies, Merchants & Marine Bancorp ranks worse than 71.35% on this metric.
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. Merchants & Marine Bancorp's cash to debt ratio for the quarter that ended in Jun. 2026 was No Debt (1).
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, Merchants & Marine Bancorpcould pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
(1) 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.
The historical rank and industry rank for Merchants & Marine Bancorp's Cash-to-Debt or its related term are showing as below:
MNMB'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.4 Med: No Debt Max: No Debt
Current: 0.59
During the past 13 years, Merchants & Marine Bancorp's highest Cash to Debt Ratio was No Debt. The lowest was 0.40. And the median was No Debt.
MNMB's Cash-to-Debt is ranked worse than 71.35% of 1494
companies
in the Banks industry
Industry Median: 1.38
vs MNMB: 0.59
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.
Merchants & Marine Bancorp Cash-to-Debt Related Terms
Merchants & Marine Bancorp Cash-to-Debt Historical Data
* 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.
For the Banks - Regional subindustry, Merchants & Marine Bancorp'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.
Merchants & Marine Bancorp Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Merchants & Marine Bancorp's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Merchants & Marine Bancorp's Cash-to-Debt falls into.
Merchants & Marine Bancorp's Cash to Debt Ratio for the quarter that ended in Jun. 2026 is calculated as:
Merchants & Marine Bancorp had no debt (1).
* 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.
What does a Cash-to-Debt of No Debt <sup>(1)</sup> mean?
Merchants & Marine Bancorp (MNMB) has a Cash-to-Debt of No Debt (1) as of Jun. 2026. This is 100% below median its historical median of 10,000.00. Over the past decade, Merchants & Marine Bancorp's Cash-to-Debt has ranged from 0.40 to 10,000.00. According to the industry distribution chart, Merchants & Marine Bancorp ranks #1066 out of 1494 companies in the Banks industry, placing it in the top 71.4%.
Is Merchants & Marine Bancorp's Cash-to-Debt too high?
Merchants & Marine Bancorp's current Cash-to-Debt of No Debt (1) is 100% below median its 10-year median of 10,000.00. Over the past 10 years, this metric has ranged from a low of 0.40 to a high of 10,000.00. Based on the distribution chart, Merchants & Marine Bancorp ranks #1066 out of 1494 companies in the Banks industry, which is below the industry midpoint. Overall, Merchants & Marine Bancorp has a GF Score™ of 64/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Merchants & Marine Bancorp's Cash-to-Debt compare to DWNX and CBWA?
According to the Banks industry distribution chart, Merchants & Marine Bancorp ranks #1066 out of 1494 companies for Cash-to-Debt. This places Merchants & Marine Bancorp in the lower half of its industry. The industry median Cash-to-Debt is 1.38. Historically, Merchants & Marine Bancorp's own Cash-to-Debt has ranged from 0.40 to 10,000.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.38, based on 1,494 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt 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 Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Merchants & Marine Bancorp's current Cash-to-Debt is No Debt (1), which is 100% below median its own 10-year median of 10,000.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Merchants & Marine Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Merchants & Marine Bancorp (MNMB) is currently considered Modestly Undervalued. The stock's GF Value™ is $72.46, compared to a current price of $54.99 — trading 24.1% below its estimated fair value. The current Cash-to-Debt is No Debt (1), which is 100% below median its 10-year median of 10,000.00. Merchants & Marine Bancorp's overall GF Score™ is 64/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Merchants & Marine Bancorp (MNMB), the current Cash-to-Debt is No Debt (1) as of Jun. 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 Merchants & Marine Bancorp (MNMB) Overvalued in 2026?
Based on GuruFocus' analysis, Merchants & Marine Bancorp stock appears to be undervalued.
The current stock price of $54.99 is trading 24.1% below its estimated GF Value™ of $72.46.
GuruFocus considers Merchants & Marine Bancorp to be Modestly Undervalued.
Key valuation signals for MNMB:
Cash-to-Debt: No Debt (1) (100% below median its 10-year median of 10,000.00)
GF Value™: $72.46 vs. price of $54.99 (24.1% below fair value)
No single metric tells the full story. See the MNMB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Merchants & Marine Bancorp Inc provides full-service financial banking services to individuals, partnerships, corporations, and governmental agencies. Its deposit products include checking accounts, savings accounts, individual retirement accounts, and certificates of deposit. The bank generates commercial, mortgage, and consumer loans and receives deposits from customers located in Jackson and George Counties in Mississippi and Baldwin County in Alabama. The bank provides services such as Personal Banking, Mortgage Loans, Digital Banking, Credit Cards and Others.
64GF Score
Get the complete analysis for MNMB
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