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Steele BancorpSTLE 36 Cash-to-Debt is 0.42 as of Dec. 2024. GuruFocus rates STLE with a GF Score™ of 36/100 and a GF Value™ of $28.37 (Significantly Overvalued). Among 1,489 Banks companies, Steele Bancorp ranks worse than 67159.1% 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. Steele Bancorp's cash to debt ratio for the quarter that ended in Dec. 2024 was 0.42.
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, Steele Bancorpcouldn't pay off its debt using the cash in hand for the quarter that ended in Dec. 2024.
The historical rank and industry rank for Steele Bancorp's Cash-to-Debt or its related term are showing as below:
STLE's Cash-to-Debt is not ranked *
in the Banks industry.
Industry Median: 1.37 * 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.
Steele Bancorp Cash-to-Debt Related Terms
Steele Bancorp Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Steele 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, Steele 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.
Steele Bancorp Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Steele Bancorp's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Steele 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.
Steele Bancorp (STLE) has a Cash-to-Debt of 0.42 as of Dec. 2024. According to the industry distribution chart, Steele Bancorp ranks #999999 out of 1489 companies in the Banks industry.
Is Steele Bancorp's Cash-to-Debt too high?
Steele Bancorp's current Cash-to-Debt is 0.42. The Banks industry median Cash-to-Debt is 1.37. Steele Bancorp's value of 0.42 is 69.3% below this industry median. Based on the distribution chart, Steele Bancorp ranks #999999 out of 1489 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Steele Bancorp has a GF Score™ of 36/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Steele Bancorp's Cash-to-Debt compare to EDVR and SSBI?
According to the Banks industry distribution chart, Steele Bancorp ranks #999999 out of 1489 companies for Cash-to-Debt. This places Steele Bancorp in the lower half of its industry. The industry median Cash-to-Debt is 1.37. Steele Bancorp's value of 0.42 is 69.3% 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 1.37, 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. Steele Bancorp's current Cash-to-Debt of 0.42 is 69.3% 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 1.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Steele Bancorp's current Cash-to-Debt is 0.42. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Steele Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Steele Bancorp (STLE) is currently considered Significantly Overvalued. The stock's GF Value™ is $28.37, compared to a current price of $46.15 — trading 62.7% above its estimated fair value. The current Cash-to-Debt is 0.42 and 69.3% below the Banks industry median of 1.37. Steele Bancorp's overall GF Score™ is 36/100. 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 Steele Bancorp (STLE), the current Cash-to-Debt is 0.42 as of Dec. 2024. 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 Steele Bancorp (STLE) Overvalued in 2026?
Based on GuruFocus' analysis, Steele Bancorp stock appears to be overvalued.
The current stock price of $46.15 is trading 62.7% above its estimated GF Value™ of $28.37.
GuruFocus considers Steele Bancorp to be Significantly Overvalued.
Key valuation signals for STLE:
Cash-to-Debt: 0.42
GF Value™: $28.37 vs. price of $46.15 (62.7% above fair value)
Industry Position: 69.3% below the Banks median (#999999 of 1489)
No single metric tells the full story. See the STLE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Steele Bancorp Inc Formerly Mifflinburg Bancorp Inc is a United States-based commercial bank. Its principal activities and sources of revenues are commercial, mortgage, residential real estate, and consumer loan financing as well as a variety of deposit services provided to customers.
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