Oregon Pacific Bancorp (Oregon Pacific Bancorp) Cash-to-Debt : 0.85 (As of Sep. 2023)

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What is Oregon Pacific Bancorp 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. Oregon Pacific Bancorp's cash to debt ratio for the quarter that ended in Sep. 2023 was 0.85.

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, Oregon Pacific Bancorp couldn't pay off its debt using the cash in hand for the quarter that ended in Sep. 2023.

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

ORPB' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.85 Med: 3.5 Max: 5.45
Current: 0.85

During the past 13 years, Oregon Pacific Bancorp's highest Cash to Debt Ratio was 5.45. The lowest was 0.85. And the median was 3.50.

ORPB's Cash-to-Debt is ranked worse than
61.61% of 1425 companies
in the Banks industry
Industry Median: 1.29 vs ORPB: 0.85

Oregon Pacific Bancorp Cash-to-Debt Historical Data

The historical data trend for Oregon Pacific Bancorp'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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Oregon Pacific Bancorp Cash-to-Debt Chart

Oregon Pacific Bancorp Annual Data

Trend

Dec08

Dec09

Dec12

Dec13

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Cash-to-Debt

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3.34

4.43

4.06

3.65

5.45

Oregon Pacific Bancorp Quarterly Data
	Jun06	Sep06	Dec06	Mar07	Jun07	Sep07	Dec07	Mar08	Dec08	Dec09	Dec12	Dec13	Dec14	Dec15	Dec16	Dec17	Dec18	Dec19	Sep22	Sep23
Cash-to-Debt	Get a 7-Day Free Trial															4.06	3.65	5.45	N/A	0.85

Competitive Comparison of Oregon Pacific Bancorp's Cash-to-Debt

For the Banks - Regional subindustry, Oregon Pacific Bancorp'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.

Oregon Pacific Bancorp's Cash-to-Debt Distribution in the Banks Industry

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

* The bar in red indicates where Oregon Pacific Bancorp's Cash-to-Debt falls into.

Oregon Pacific Bancorp 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.

Oregon Pacific Bancorp's Cash to Debt Ratio for the fiscal year that ended in Dec. 2019 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)
	=	22.493	/	(0	+	4.124)
	=	5.45

Oregon Pacific Bancorp's Cash to Debt Ratio for the quarter that ended in Sep. 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)
	=	20.141	/	(0	+	23.826)
	=	0.85

Oregon Pacific Bancorp (OTCPK:ORPB) 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.

Oregon Pacific Bancorp Cash-to-Debt Related Terms

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

Oregon Pacific Bancorp (Oregon Pacific Bancorp) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Oregon Pacific Bancorp (OTCPK:ORPB) » Definitions » Cash-to-Debt

Comparable Companies

Traded in Other Exchanges

N/A

Address

1365 Highway 101, P.O. Box 22000, Florence, OR, USA, 97439

Website

https://www.opbc.com

Oregon Pacific Bancorp is a community bank headquartered in Florence, Oregon. The bank has full-service branches in Coos Bay, Eugene, Florence, Medford, and Roseburg. It is specialized in offering holistic financial services to local families and business owners. The company is committed to aiding the growth and development of the communities by investing local deposits directly into the lives, homes, and businesses.

Executives

Ronald S Green	officer: EVP/Chief Credit Officer	PO BOX 22000, FLORENCE OR 97439
James P Clark	officer: EVP/Chief Credit Officer	PO BOX 22000, FLORENCE OR 97439
Brian L Castleman	officer: VP/SENIOR COMMERCIAL LENDER	PO BOX 22000, FLORENCE OR 97439
Ryan J Lahley	officer: VP/REGIONAL LOAN MGR ROSEBURG	PO BOX 22000, FLORENCE OR 97439
Christopher M Giovinco	officer: Senior Vp Regional Mgr Comm Ln
Delia Ralstin	officer: VP/ MANAGER LOAN OPERATIONS	PO BOX 22000, FLORENCE OR 97439
Tricia Benetti	director	PO BOX 22000, FLORENCE OR 97439
Mary Hipkiss	officer: VP director human resources
Mark A Hetrick	officer: Senior VP/CLO
Douglas B Feldkamp	director	C/O OREGON PACIFIC BANCORP, PO BOX 22000, FLORENCE OR 97439
Thomas K Grove	director, officer: president/ceo
Jon D Thompson	director	PO BOX 22000, FLORENCE OR 97439
Robert W Dyer	officer: VP COMMERCIAL R E LENDING OFFI
Deena Lynne Gisholt	officer: VP/Regional Loan Manager, other: Branch Manager
K C Short	officer: VP/Commercial Lending Officer

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