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Mountain Pacific BancorpMPCB +2.31%62 Cash-to-Debt is 1.24 as of Jun. 2026, which is 17% above its 10-year median of 1.06. GuruFocus rates MPCB with a GF Score™ of 62/100 and a GF Value™ of $15.45 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,489 Banks companies, Mountain Pacific Bancorp ranks worse than 52.05% 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. Mountain Pacific Bancorp's cash to debt ratio for the quarter that ended in Jun. 2026 was 1.24.
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, Mountain Pacific Bancorpcould pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Mountain Pacific Bancorp's Cash-to-Debt or its related term are showing as below:
MPCB'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.24 Med: 1.06 Max: 4.49
Current: 1.24
During the past 7 years, Mountain Pacific Bancorp's highest Cash to Debt Ratio was 4.49. The lowest was 0.24. And the median was 1.06.
MPCB's Cash-to-Debt is ranked worse than 52.05% of 1489
companies
in the Banks industry
Industry Median: 1.38
vs MPCB: 1.24
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.
Mountain Pacific Bancorp Cash-to-Debt Related Terms
Mountain Pacific 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, Mountain Pacific 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.
Mountain Pacific Bancorp Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Mountain Pacific Bancorp's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Mountain Pacific Bancorp's Cash-to-Debt falls into.
* 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.
Mountain Pacific Bancorp (MPCB) has a Cash-to-Debt of 1.24 as of Jun. 2026. This is 17% above median its historical median of 1.06. Over the past decade, Mountain Pacific Bancorp's Cash-to-Debt has ranged from 0.24 to 4.49. According to the industry distribution chart, Mountain Pacific Bancorp ranks #775 out of 1489 companies in the Banks industry, placing it in the top 52%.
Is Mountain Pacific Bancorp's Cash-to-Debt too high?
Mountain Pacific Bancorp's current Cash-to-Debt of 1.24 is 17% above median its 10-year median of 1.06. Over the past 10 years, this metric has ranged from a low of 0.24 to a high of 4.49. The Banks industry median Cash-to-Debt is 1.38. Mountain Pacific Bancorp's value of 1.24 is 10.1% below this industry median. Based on the distribution chart, Mountain Pacific Bancorp ranks #775 out of 1489 companies in the Banks industry, which is below the industry midpoint. Overall, Mountain Pacific Bancorp has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Mountain Pacific Bancorp's Cash-to-Debt compare to PNBK and BLHK?
According to the Banks industry distribution chart, Mountain Pacific Bancorp ranks #775 out of 1489 companies for Cash-to-Debt. This places Mountain Pacific Bancorp in the lower half of its industry. The industry median Cash-to-Debt is 1.38. Mountain Pacific Bancorp's value of 1.24 is 10.1% below this benchmark. Historically, Mountain Pacific Bancorp's own Cash-to-Debt has ranged from 0.24 to 4.49 over the past decade. While the company's 10-year median is 1.06 vs. the industry median of 1.38, Mountain Pacific Bancorp has consistently been below the industry average. 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 1,489 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. Mountain Pacific Bancorp's current Cash-to-Debt of 1.24 is 10.1% below the industry median. 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. Mountain Pacific Bancorp's current Cash-to-Debt is 1.24, which is 17% above median its own 10-year median of 1.06. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mountain Pacific Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Mountain Pacific Bancorp (MPCB) is currently considered Modestly Overvalued. The stock's GF Value™ is $15.45, compared to a current price of $17.24 — trading 11.6% above its estimated fair value. The current Cash-to-Debt is 1.24, which is 17% above median its 10-year median of 1.06 and 10.1% below the Banks industry median of 1.38. Mountain Pacific Bancorp's overall GF Score™ is 62/100 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 Mountain Pacific Bancorp (MPCB), the current Cash-to-Debt is 1.24 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 Mountain Pacific Bancorp (MPCB) Overvalued in 2026?
Based on GuruFocus' analysis, Mountain Pacific Bancorp stock appears to be overvalued.
The current stock price of $17.24 is trading 11.6% above its estimated GF Value™ of $15.45.
GuruFocus considers Mountain Pacific Bancorp to be Modestly Overvalued.
Key valuation signals for MPCB:
Cash-to-Debt: 1.24 (17% above median its 10-year median of 1.06)
GF Value™: $15.45 vs. price of $17.24 (11.6% above fair value)
Industry Position: 10.1% below the Banks median (#775 of 1489)
No single metric tells the full story. See the MPCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Mountain Pacific Bancorp Inc is a bank holding company. Along with its subsidiaries, it operates as a community bank, providing a range of financial services to individual and corporate customers, including commercial and retail banking services such as commercial and retail deposit accounts, commercial financing, consumer and mortgage lending, and treasury management services. It has several branches located in Everett, Lynnwood, the Ballard neighborhood of Seattle, Burlington, and Bellingham.
62GF Score
Get the complete analysis for MPCB
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