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MF Banka ADXBLB:IEFB-R-A Cash-to-Debt is 3.49 as of Jun. 2026, which is 32% above its 10-year median of 2.64. The stock has 2 warning signs investors should review.
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. MF Banka AD's cash to debt ratio for the quarter that ended in Jun. 2026 was 3.49.
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, MF Banka ADcould pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for MF Banka AD's Cash-to-Debt or its related term are showing as below:
XBLB:IEFB-R-A'
s Cash-to-Debt Range Over the Past 10 Years
Min: 1.7 Med: 2.64 Max: 4.91
Current: 3.49
During the past 13 years, MF Banka AD's highest Cash to Debt Ratio was 4.91. The lowest was 1.70. And the median was 2.64.
XBLB:IEFB-R-A's Cash-to-Debt is not ranked
in the Banks industry.
Industry Median: 1.38
vs XBLB:IEFB-R-A: 3.49
MF Banka AD (XBLB:IEFB-R-A) 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.
MF Banka AD Cash-to-Debt Related Terms
MF Banka AD Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for MF Banka AD'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.
XBLB:IEFB-R-A vs USB, PNC: Cash-to-Debt Comparison
For the Banks - Regional subindustry, MF Banka AD'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.
MF Banka AD Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, MF Banka AD's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where MF Banka AD'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.
MF Banka AD (XBLB:IEFB-R-A) has a Cash-to-Debt of 3.49 as of Jun. 2026. This is 32% above median its historical median of 2.64. Over the past decade, MF Banka AD's Cash-to-Debt has ranged from 1.70 to 4.91.
Is MF Banka AD's Cash-to-Debt too high?
MF Banka AD's current Cash-to-Debt of 3.49 is 32% above median its 10-year median of 2.64. Over the past 10 years, this metric has ranged from a low of 1.70 to a high of 4.91. The Banks industry median Cash-to-Debt is 1.38. MF Banka AD's value of 3.49 is 152.9% above this industry median.
How does MF Banka AD's Cash-to-Debt compare to USB and PNC?
MF Banka AD's Cash-to-Debt of 3.49 can be compared against companies in the Banks industry. The industry median Cash-to-Debt is 1.38. MF Banka AD's value of 3.49 is 152.9% above this benchmark. Historically, MF Banka AD's own Cash-to-Debt has ranged from 1.70 to 4.91 over the past decade. While the company's 10-year median is 2.64 vs. the industry median of 1.38, MF Banka AD 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 1.38, based on 1,490 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. MF Banka AD's current Cash-to-Debt of 3.49 is 152.9% 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 1.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MF Banka AD's current Cash-to-Debt is 3.49, which is 32% above median its own 10-year median of 2.64. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is MF Banka AD stock overvalued right now?
MF Banka AD (XBLB:IEFB-R-A) has a current Cash-to-Debt of 3.49. The stock's GF Value™ is BAM108.56, compared to a current price of BAM174.82 — trading 61% above its estimated fair value. The current Cash-to-Debt is 3.49, which is 32% above median its 10-year median of 2.64 and 152.9% above the Banks industry median of 1.38. 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 MF Banka AD (XBLB:IEFB-R-A), the current Cash-to-Debt is 3.49 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.
MF Banka AD provides is a regional bank engaged in providing banking products and services. The bank is licensed to perform banking activities that include payment transfers, crediting, and depositary operations in the country and abroad. It offers savings products, loans, payment services, deposit and documentary operations services, cards, electronic and mobile banking, SMS, and ATM services. Geographically, it operates in the region of Bosnia and Herzegovina and serves individuals, businesses, and small and medium-sized enterprises.
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