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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. Metropolitan Bank & Trust Co's cash to debt ratio for the quarter that ended in Jun. 2026 was 1.49.
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, Metropolitan Bank & Trust Cocould pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Metropolitan Bank & Trust Co's Cash-to-Debt or its related term are showing as below:
PHS:MBT'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.93 Med: 1.93 Max: 5.74
Current: 1.86
During the past 13 years, Metropolitan Bank & Trust Co's highest Cash to Debt Ratio was 5.74. The lowest was 0.93. And the median was 1.93.
PHS:MBT's Cash-to-Debt is ranked better than 56.9% of 1485
companies
in the Banks industry
Industry Median: 1.4
vs PHS:MBT: 1.86
Metropolitan Bank & Trust Co (PHS:MBT) Cash-to-Debt Explanation
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.
Metropolitan Bank & Trust Co Cash-to-Debt Related Terms
Metropolitan Bank & Trust Co 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.
Metropolitan Bank & Trust Co Cash-to-Debt Competitor Comparison
For the Banks - Regional subindustry, Metropolitan Bank & Trust Co'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.
Metropolitan Bank & Trust Co Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Metropolitan Bank & Trust Co's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Metropolitan Bank & Trust Co'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.
Metropolitan Bank & Trust Co (PHS:MBT) has a Cash-to-Debt of 1.49 as of Jun. 2026. This is 23% below median its historical median of 1.93. Over the past decade, Metropolitan Bank & Trust Co's Cash-to-Debt has ranged from 0.93 to 5.74. According to the industry distribution chart, Metropolitan Bank & Trust Co ranks #640 out of 1485 companies in the Banks industry, placing it in the top 43.1%.
Is Metropolitan Bank & Trust Co's Cash-to-Debt too high?
Metropolitan Bank & Trust Co's current Cash-to-Debt of 1.49 is 23% below median its 10-year median of 1.93. Over the past 10 years, this metric has ranged from a low of 0.93 to a high of 5.74. The Banks industry median Cash-to-Debt is 1.40. Metropolitan Bank & Trust Co's value of 1.49 is 6.4% above this industry median. Based on the distribution chart, Metropolitan Bank & Trust Co ranks #640 out of 1485 companies in the Banks industry, which is above the industry midpoint. Overall, Metropolitan Bank & Trust Co has a GF Score™ of 87/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Metropolitan Bank & Trust Co's Cash-to-Debt compare to competitors?
According to the Banks industry distribution chart, Metropolitan Bank & Trust Co ranks #640 out of 1485 companies for Cash-to-Debt. This puts Metropolitan Bank & Trust Co in the upper half of its industry. The industry median Cash-to-Debt is 1.40. Metropolitan Bank & Trust Co's value of 1.49 is 6.4% above this benchmark. Historically, Metropolitan Bank & Trust Co's own Cash-to-Debt has ranged from 0.93 to 5.74 over the past decade. While the company's 10-year median is 1.93 vs. the industry median of 1.40, Metropolitan Bank & Trust Co 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 1,485 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. Metropolitan Bank & Trust Co's current Cash-to-Debt of 1.49 is 6.4% 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. Metropolitan Bank & Trust Co's current Cash-to-Debt is 1.49, which is 23% below median its own 10-year median of 1.93. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Metropolitan Bank & Trust Co stock overvalued right now?
Based on GuruFocus' analysis, Metropolitan Bank & Trust Co (PHS:MBT) is currently considered Modestly Undervalued. The stock's GF Value™ is ₱79.05, compared to a current price of ₱65.70 — trading 16.9% below its estimated fair value. The current Cash-to-Debt is 1.49, which is 23% below median its 10-year median of 1.93 and 6.4% above the Banks industry median of 1.40. Metropolitan Bank & Trust Co's overall GF Score™ is 87/100 with 2 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 Metropolitan Bank & Trust Co (PHS:MBT), the current Cash-to-Debt is 1.49 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 Metropolitan Bank & Trust Co (PHS:MBT) Overvalued in 2026?
Based on GuruFocus' analysis, Metropolitan Bank & Trust Co stock appears to be undervalued.
The current stock price of ₱65.70 is trading 16.9% below its estimated GF Value™ of ₱79.05.
GuruFocus considers Metropolitan Bank & Trust Co to be Modestly Undervalued.
Key valuation signals for PHS:MBT:
Cash-to-Debt: 1.49 (23% below median its 10-year median of 1.93)
GF Value™: ₱79.05 vs. price of ₱65.70 (16.9% below fair value)
Industry Position: 6.4% above the Banks median (#640 of 1485)
No single metric tells the full story. See the PHS:MBT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Metropolitan Bank & Trust Co is a Filipino bank that provides a diverse range of banking and collateral services. The company has different segments namely Consumer Banking, Corporate Banking, Investment Banking, Treasury, Branch Banking and Others. It derives maximum revenue from Corporate Banking. The Group operates in Philippines, Asia other than Philippines, USA and Europe.
87GF Score
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