Hamlin Bank and Trust Co (Hamlin Bank and Trust Co) Cash-to-Debt : 0.55 (As of Sep. 2007)

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What is Hamlin Bank and Trust Co 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. Hamlin Bank and Trust Co's cash to debt ratio for the quarter that ended in Sep. 2007 was 0.55.

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, Hamlin Bank and Trust Co couldn't pay off its debt using the cash in hand for the quarter that ended in Sep. 2007.

The historical rank and industry rank for Hamlin Bank and Trust Co's Cash-to-Debt or its related term are showing as below:

HMLN's Cash-to-Debt is not ranked ^*
in the Banks industry.
Industry Median: 1.3
* Ranked among companies with meaningful Cash-to-Debt only.

Hamlin Bank and Trust Co Cash-to-Debt Historical Data

The historical data trend for Hamlin Bank and Trust Co'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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Hamlin Bank and Trust Co Cash-to-Debt Chart

Hamlin Bank and Trust Co Annual Data

Trend

Dec02

Dec03

Dec04

Dec05

Dec06

Cash-to-Debt

24.78

No Debt

0.28

0.31

Hamlin Bank and Trust Co Quarterly Data
	Mar03	Jun03	Sep03	Dec03	Mar04	Jun04	Sep04	Dec04	Mar05	Jun05	Sep05	Dec05	Mar06	Jun06	Sep06	Dec06	Mar07	Jun07	Sep07
Cash-to-Debt	Get a 7-Day Free Trial														0.52	0.31	0.52	0.50	0.55

Competitive Comparison of Hamlin Bank and Trust Co's Cash-to-Debt

For the Banks - Regional subindustry, Hamlin Bank and Trust Co'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.

Hamlin Bank and Trust Co's Cash-to-Debt Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Hamlin Bank and Trust Co's Cash-to-Debt distribution charts can be found below:

* The bar in red indicates where Hamlin Bank and Trust Co's Cash-to-Debt falls into.

Hamlin Bank and Trust Co 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.

Hamlin Bank and Trust Co's Cash to Debt Ratio for the fiscal year that ended in Dec. 2006 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)
	=	7.639	/	(24.438	+	0.007)
	=	0.31

Hamlin Bank and Trust Co's Cash to Debt Ratio for the quarter that ended in Sep. 2007 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)
	=	7.874	/	(14.209	+	0)
	=	0.55

Hamlin Bank and Trust Co (OTCPK:HMLN) 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.

Hamlin Bank and Trust Co Cash-to-Debt Related Terms

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Hamlin Bank and Trust Co (Hamlin Bank and Trust Co) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Hamlin Bank and Trust Co (OTCPK:HMLN) » Definitions » Cash-to-Debt

Comparable Companies

Traded in Other Exchanges

N/A

Address

333 West Main Street, PO Box 367, Smethport, PA, USA, 16749

Website

https://www.hamlinbank.com

Hamlin Bank and Trust Co are a United States-based state charted commercial bank. It offers a variety of financial and trust services. The company provides services such as personal banking services, business banking services, trust services, and other banking services. Its services include estate settlement, investment management, custodial services, savings facility, certificate of deposit, loan products, among others.

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