USMT (US Metro Bancorp) Cash-to-Debt : 0.47 (As of Sep. 2024)

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What is US Metro Bancorp Cash-to-Debt?

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. US Metro Bancorp's cash to debt ratio for the quarter that ended in Sep. 2024 was 0.47.

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, US Metro Bancorp couldn't pay off its debt using the cash in hand for the quarter that ended in Sep. 2024.

The historical rank and industry rank for US Metro Bancorp's Cash-to-Debt or its related term are showing as below:

USMT' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.4 Med: 1.44 Max: No Debt
Current: 0.47

During the past 6 years, US Metro Bancorp's highest Cash to Debt Ratio was No Debt. The lowest was 0.40. And the median was 1.44.

USMT's Cash-to-Debt is ranked worse than
75.9% of 1498 companies
in the Banks industry
Industry Median: 1.295 vs USMT: 0.47

US Metro Bancorp Cash-to-Debt Historical Data

The historical data trend for US Metro 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.

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US Metro Bancorp Cash-to-Debt Chart

US Metro Bancorp Annual Data

Trend

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Cash-to-Debt

Get a 7-Day Free Trial

No Debt

5.38

4.60

2.34

2.56

US Metro Bancorp Quarterly Data
	Mar07	Jun07	Sep07	Dec18	Dec19	Dec20	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24
Cash-to-Debt	Get a 7-Day Free Trial													0.41	2.56	0.40	0.46	0.47

Competitive Comparison of US Metro Bancorp's Cash-to-Debt

For the Banks - Regional subindustry, US Metro 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.

US Metro Bancorp's Cash-to-Debt Distribution in the Banks Industry

For the Banks industry and Financial Services sector, US Metro Bancorp's Cash-to-Debt distribution charts can be found below:

* The bar in red indicates where US Metro Bancorp's Cash-to-Debt falls into.

US Metro Bancorp Cash-to-Debt Calculation

This is the ratio of a company's Balance Sheet Cash And Cash Equivalents to its debt. The debt includes the Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation. This ratio measures the financial strength of a company. This ratio is updated quarterly.

US Metro Bancorp's Cash to Debt Ratio for the fiscal year that ended in Dec. 2023 is calculated as:

Cash to Debt Ratio	=	Balance Sheet Cash And Cash Equivalents	/	Total Debt
	=	Balance Sheet Cash And Cash Equivalents	/	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)
	=	129.502	/	(0	+	50.626)
	=	2.56

US Metro Bancorp's Cash to Debt Ratio for the quarter that ended in Sep. 2024 is calculated as:

Cash to Debt Ratio	=	Balance Sheet Cash And Cash Equivalents	/	Total Debt
	=	Balance Sheet Cash And Cash Equivalents	/	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)
	=	14.048	/	(0	+	30.119)
	=	0.47

US Metro Bancorp (OTCPK:USMT) 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.

US Metro Bancorp Cash-to-Debt Related Terms

Thank you for viewing the detailed overview of US Metro Bancorp's Cash-to-Debt provided by GuruFocus.com. Please click on the following links to see related term pages.

US Metro Bancorp Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » US Metro Bancorp (OTCPK:USMT) » Definitions » Cash-to-Debt

Comparable Companies

Traded in Other Exchanges

N/A

Address

9866 Garden Grove Boulevard, Garden Grove, CA, USA, 92844

Website

https://www.usmetrobank.com

US Metro Bancorp operates as a bank holding company. It provides checking, savings, loans, online banking, mobile banking, certificate of deposits, and others. The bank offers services to professionals and small to medium-sized businesses. It generates revenue in the form of interest income.