Smith Company has a debt$-$to$-$equity ratio of $0\mathrm{.}42$ and Jones, Inc. has $0\mathrm{.}28.$ Which of the following statements is true based on this ratio?

Question $4$ options:

Smith has more total liabilities than Jones.

A bank would be more likely to loan money to Jones than to Smith.

Jones has less total equity than Smith.

A bank would be more likely to loan money to Smith than to Jones.