MNBO (MNB Holdings) Debt-to-Asset : 0.06 (As of Dec. 2025)

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MNBO MNB Holdings Corp MNBO
32 GF Score
Price $56.30
GF Value $22.95
! 5 Warning Signs
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What is MNB Holdings Debt-to-Asset?

MNB Holdings MNBO 32 Debt-to-Asset is 0.06 as of Dec. 2025. GuruFocus rates MNBO with a GF Score™ of 32/100 and a GF Value™ of $22.95. The stock has 5 warning signs investors should review.

MNB Holdings's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2025 was $0.00 Mil. MNB Holdings's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2025 was $15.09 Mil. MNB Holdings's Long-Term Debt & Capital Lease ObligationTotal Assets for the quarter that ended in Dec. 2025 was $237.87 Mil. MNB Holdings's debt to asset for the quarter that ended in Dec. 2025 was 0.06.

MNB Holdings  (OTCPK:MNBO) Debt-to-Asset Explanation

In the calculation of Debt-to-Asset, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Assets.

MNB Holdings Debt-to-Asset Related Terms

MNB Holdings Debt-to-Asset Historical Data

* Premium members only.

The historical data trend for MNB Holdings's Debt-to-Asset 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.

MNB Holdings Debt-to-Asset Chart

MNB Holdings Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.05 0.13 0.10 0.06 0.06

MNB Holdings Semi-Annual Data
Dec04 Dec05 Dec06 Dec07 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.05 0.13 0.10 0.06 0.06

MNBO vs GTPS, CAIB, EBSH: Debt-to-Asset Comparison

For the Banks - Regional subindustry, MNB Holdings's Debt-to-Asset, along with its competitors' market caps and Debt-to-Asset 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.

MNB Holdings Debt-to-Asset vs Banks Industry

For the Banks industry and Financial Services sector, MNB Holdings's Debt-to-Asset distribution charts can be found below:

* The bar in red indicates where MNB Holdings's Debt-to-Asset falls into.


MNBO
32GF Score
MNB Holdings Corp MNBO
Debt-to-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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MNB Holdings Debt-to-Asset Calculation

Debt to Asset measures the financial leverage a company has.

MNB Holdings's Debt-to-Asset for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0 + 15.093) / 237.869
=0.06

MNB Holdings's Debt-to-Asset for the quarter that ended in Dec. 2025 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0 + 15.093) / 237.869
=0.06

* 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.

Frequently Asked Questions Learn more about Debt-to-Asset →
What does a Debt-to-Asset of 0.06 mean?
MNB Holdings (MNBO) has a Debt-to-Asset of 0.06 as of Dec. 2025. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on MNB Holdings and its competitors.
Is MNB Holdings' Debt-to-Asset too high?
MNB Holdings' current Debt-to-Asset is 0.06. Overall, MNB Holdings has a GF Score™ of 32/100, reflecting its overall financial health beyond just this single metric.
How does MNB Holdings' Debt-to-Asset compare to GTPS and CAIB?
MNB Holdings' Debt-to-Asset of 0.06 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Asset for a Banks company?
A good Debt-to-Asset depends on the Banks industry context. However, Debt-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Asset mean?
A high Debt-to-Asset can signal that a stock is expensive relative to its fundamentals. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on MNB Holdings and its competitors. MNB Holdings's current Debt-to-Asset is 0.06. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is MNB Holdings stock overvalued right now?
MNB Holdings (MNBO) has a current Debt-to-Asset of 0.06. The stock's GF Value™ is $22.95, compared to a current price of $56.30 — trading 145.3% above its estimated fair value. The current Debt-to-Asset is 0.06. MNB Holdings' overall GF Score™ is 32/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Asset calculated?
Debt-to-Asset is calculated from a company's financial statements. For MNB Holdings (MNBO), the current Debt-to-Asset is 0.06 as of Dec. 2025. 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 MNB Holdings (MNBO) Overvalued in 2026?

Based on GuruFocus' analysis, MNB Holdings stock appears to be overvalued. The current stock price of $56.30 is trading 145.3% above its estimated GF Value™ of $22.95.

Key valuation signals for MNBO:

  • Debt-to-Asset: 0.06
  • GF Value™: $22.95 vs. price of $56.30 (145.3% above fair value)
  • GF Score™: 32/100 with 5 warning signs

No single metric tells the full story. See the MNBO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

MNB Holdings Business Description

Address 3060 16th Street, San Francisco, CA, USA, 94103
MNB Holdings Corp is a bank holding company. It is engaged in the general commercial banking business in the city and county of San Francisco and all other nine San Francisco Bay Area counties. The company provides traditional commercial and retail banking services, which include accepting demand, savings, and time deposits and making commercial, and real estate loans. It also offers other installment and term loans.
32GF Score

Get the complete analysis for MNBO

Debt-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$56.30
Price
$22.95
GF Value