MainStreet Bancshares (MainStreet Bancshares) Cash-to-Debt

: 0.74 (As of Dec. 2023)

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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. MainStreet Bancshares's cash to debt ratio for the quarter that ended in Dec. 2023 was 0.74.

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, MainStreet Bancshares couldn't pay off its debt using the cash in hand for the quarter that ended in Dec. 2023.

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

MNSB' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.15 Med: 0.64 Max: 5.12
Current: 0.74

During the past 13 years, MainStreet Bancshares's highest Cash to Debt Ratio was 5.12. The lowest was 0.15. And the median was 0.64.

MNSB's Cash-to-Debt is ranked worse than
63.93% of 1447 companies
in the Banks industry
Industry Median: 1.23 vs MNSB: 0.74

MainStreet Bancshares Cash-to-Debt Historical Data

The historical data trend for MainStreet Bancshares'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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MainStreet Bancshares Annual Data

Trend

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Cash-to-Debt

0.97

5.12

2.11

0.28

0.74

MainStreet Bancshares Quarterly Data
	Mar19	Jun19	Sep19	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23
Cash-to-Debt																0.28	1.92	0.94	0.62	0.74

Competitive Comparison

For the Banks - Regional subindustry, MainStreet Bancshares'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.

MainStreet Bancshares Cash-to-Debt Distribution

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

* The bar in red indicates where MainStreet Bancshares's Cash-to-Debt falls into.

MainStreet Bancshares 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.

MainStreet Bancshares'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)
	=	53.581	/	(0	+	72.642)
	=	0.74

MainStreet Bancshares's Cash to Debt Ratio for the quarter 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)
	=	53.581	/	(0	+	72.642)
	=	0.74

MainStreet Bancshares (NAS:MNSB) 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.

MainStreet Bancshares Cash-to-Debt Related Terms

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

MainStreet Bancshares (MainStreet Bancshares) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » MainStreet Bancshares Inc (NAS:MNSB) » Definitions » Cash-to-Debt

Comparable Companies

Traded in Other Exchanges

MNSBP.PFD:USA 5L0:Germany

Address

10089 Fairfax Boulevard, Fairfax, VA, USA, 22030

Website

https://www.mstreetbank.com

MainStreet Bancshares Inc is a bank holding company. It is focused on serving the borrowing, cash management and depository needs of small to medium-sized businesses, and professional practices and retail customers. The bank's products and services include business and consumer checking, premium interest-bearing checking, business account analysis, savings, certificates of deposit and other depository services, as well as a broad array of commercial, real estate and consumer loans.

Executives

Jeff W Dick	director, officer: See Remarks	10089 FAIRFAX BOULEVARD, FAIRFAX VA 22030
Russell Echlov	director	500 E WASHINGTON ST, GREENVILLE SC 29601
Thomas J Chmelik	director, officer: See Remarks	10089 FAIRFAX BOULEVARD, FAIRFAX VA 22030
Richard Alexander Vari	officer: Chief Accounting Officer	10089, FAIRFAX VA 22030
Charles C. Brockett	director, officer: President	8245 BOONE BOULEVARD, TYSONS CORNER VA 22182
Rafael E Deleon	director	10089 FAIRFAX BOULEVARD, FAIRFAX VA 22030
Abdulhamid Hersiburane	officer: President	10089 FAIRFAX BOULEVARD, FAIRFAX VA 22030
Patsy I Rust	director	10089 FAIRFAX BOULEVARD, FAIRFAX VA 22030
Terry M Saeger	director	10089 FAIRFAX BOULEVARD, FAIRFAX VA 22030
Elizabeth S Bennett	director	10089 FAIRFAX BOULEVARD, FAIRFAX VA 22030
Darrell Green	director	10089 FAIRFAX BOULEVARD, FAIRFAX VA 22030
Paul Thomas Haddock	director	10089 FAIRFAX BOULEVARD, FAIRFAX VA 22030