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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. Mid-Southern Bancorp's cash to debt ratio for the quarter that ended in Jun. 2023 was 0.21.
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, Mid-Southern Bancorpcouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2023.
The historical rank and industry rank for Mid-Southern Bancorp's Cash-to-Debt or its related term are showing as below:
MSVB's Cash-to-Debt is not ranked *
in the Banks industry.
Industry Median: 1.395 * Ranked among companies with meaningful Cash-to-Debt only.
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.
Mid-Southern Bancorp Cash-to-Debt Related Terms
Mid-Southern Bancorp Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Mid-Southern 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, Mid-Southern 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.
Mid-Southern Bancorp Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Mid-Southern Bancorp's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Mid-Southern 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.
Mid-Southern Bancorp (MSVB) has a Cash-to-Debt of 0.21 as of Jun. 2023.
Is Mid-Southern Bancorp's Cash-to-Debt too high?
Mid-Southern Bancorp's current Cash-to-Debt is 0.21. The Banks industry median Cash-to-Debt is 1.40. Mid-Southern Bancorp's value of 0.21 is 84.9% below this industry median. Overall, Mid-Southern Bancorp has a GF Score™ of 12/100, reflecting its overall financial health beyond just this single metric.
How does Mid-Southern Bancorp's Cash-to-Debt compare to SHFS and CFOK?
Mid-Southern Bancorp's Cash-to-Debt of 0.21 can be compared against companies in the Banks industry. The industry median Cash-to-Debt is 1.40. Mid-Southern Bancorp's value of 0.21 is 84.9% below this benchmark. 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 1,482 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. Mid-Southern Bancorp's current Cash-to-Debt of 0.21 is 84.9% 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 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mid-Southern Bancorp's current Cash-to-Debt is 0.21. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mid-Southern Bancorp stock overvalued right now?
Mid-Southern Bancorp (MSVB) has a current Cash-to-Debt of 0.21. The current Cash-to-Debt is 0.21 and 84.9% below the Banks industry median of 1.40. Mid-Southern Bancorp's overall GF Score™ is 12/100. 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 Mid-Southern Bancorp (MSVB), the current Cash-to-Debt is 0.21 as of Jun. 2023. 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.
Mid-Southern Bancorp Inc is a United States-based savings and loan holding company of Mid-Southern Savings Bank. It is engaged in providing a variety of banking services to individuals and business customers. The bank offers personal banking and business banking services. Its services portfolio comprises checking, savings, card services, and loan products. The company also offers online and mobile banking facilities. It derives revenue from interest on loans and, to a lesser extent, interest on investment securities and mortgage-backed securities.
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