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Mission BancorpMSBC 66 Cash-to-Debt is 16.82 as of Jun. 2026, which is 31% above its 10-year median of 12.88. GuruFocus rates MSBC with a GF Score™ of 66/100 and a GF Value™ of $97.38 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,486 Banks companies, Mission Bancorp ranks better than 86.94% 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. Mission Bancorp's cash to debt ratio for the quarter that ended in Jun. 2026 was 16.82.
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, Mission 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 Mission Bancorp's Cash-to-Debt or its related term are showing as below:
MSBC'
s Cash-to-Debt Range Over the Past 10 Years
Min: 2.23 Med: 12.88 Max: No Debt
Current: 16.82
During the past 13 years, Mission Bancorp's highest Cash to Debt Ratio was No Debt. The lowest was 2.23. And the median was 12.88.
MSBC's Cash-to-Debt is ranked better than 86.94% of 1486
companies
in the Banks industry
Industry Median: 1.4
vs MSBC: 16.82
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.
Mission Bancorp Cash-to-Debt Related Terms
Mission Bancorp Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Mission Bancorp'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.
For the Banks - Regional subindustry, Mission 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.
Mission Bancorp Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Mission Bancorp's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Mission 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.
Mission Bancorp (MSBC) has a Cash-to-Debt of 16.82 as of Jun. 2026. This is 31% above median its historical median of 12.88. Over the past decade, Mission Bancorp's Cash-to-Debt has ranged from 2.23 to 10,000.00. According to the industry distribution chart, Mission Bancorp ranks #194 out of 1486 companies in the Banks industry, placing it in the top 13.1%.
Is Mission Bancorp's Cash-to-Debt too high?
Mission Bancorp's current Cash-to-Debt of 16.82 is 31% above median its 10-year median of 12.88. Over the past 10 years, this metric has ranged from a low of 2.23 to a high of 10,000.00. The Banks industry median Cash-to-Debt is 1.40. Mission Bancorp's value of 16.82 is 1101.4% above this industry median. Based on the distribution chart, Mission Bancorp ranks #194 out of 1486 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Mission Bancorp has a GF Score™ of 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Mission Bancorp's Cash-to-Debt compare to AVBH and MFGI?
According to the Banks industry distribution chart, Mission Bancorp ranks #194 out of 1486 companies for Cash-to-Debt. This places Mission Bancorp in the top 13% of its industry — outperforming the majority of peers. The industry median Cash-to-Debt is 1.40. Mission Bancorp's value of 16.82 is 1101.4% above this benchmark. Historically, Mission Bancorp's own Cash-to-Debt has ranged from 2.23 to 10,000.00 over the past decade. While the company's 10-year median is 12.88 vs. the industry median of 1.40, Mission Bancorp has consistently been above 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 1.40, based on 1,486 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. Mission Bancorp's current Cash-to-Debt of 16.82 is 1101.4% above 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 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mission Bancorp's current Cash-to-Debt is 16.82, which is 31% above median its own 10-year median of 12.88. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mission Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Mission Bancorp (MSBC) is currently considered Modestly Overvalued. The stock's GF Value™ is $97.38, compared to a current price of $113.61 — trading 16.7% above its estimated fair value. The current Cash-to-Debt is 16.82, which is 31% above median its 10-year median of 12.88 and 1101.4% above the Banks industry median of 1.40. Mission Bancorp's overall GF Score™ is 66/100 with 3 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 Mission Bancorp (MSBC), the current Cash-to-Debt is 16.82 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 Mission Bancorp (MSBC) Overvalued in 2026?
Based on GuruFocus' analysis, Mission Bancorp stock appears to be overvalued.
The current stock price of $113.61 is trading 16.7% above its estimated GF Value™ of $97.38.
GuruFocus considers Mission Bancorp to be Modestly Overvalued.
Key valuation signals for MSBC:
Cash-to-Debt: 16.82 (31% above median its 10-year median of 12.88)
GF Value™: $97.38 vs. price of $113.61 (16.7% above fair value)
Industry Position: 1101.4% above the Banks median (#194 of 1486)
No single metric tells the full story. See the MSBC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Mission Bancorp through its wholly owned subsidiary Mission Bank, is a single bank holding company. The company offers a full range of commercial banking services to the business and professional community and individuals. The bank generates commercial, mortgage, and consumer loans and receives deposits from customers located in the California counties of Kern, Los Angeles, Ventura, San Luis Obispo, and San Joaquin.
66GF Score
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