Peoples Bancorp (Peoples Bancorp) Cash-to-Debt : 1.74 (As of Mar. 2012)

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What is Peoples 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. Peoples Bancorp's cash to debt ratio for the quarter that ended in Mar. 2012 was 1.74.

If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, Peoples Bancorp could pay off its debt using the cash in hand for the quarter that ended in Mar. 2012.

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

PEBC's Cash-to-Debt is not ranked ^*
in the Banks industry.
Industry Median: 1.29
* Ranked among companies with meaningful Cash-to-Debt only.

Peoples Bancorp Cash-to-Debt Historical Data

The historical data trend for Peoples 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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Peoples Bancorp Cash-to-Debt Chart

Peoples Bancorp Annual Data

Trend

Dec05

Dec06

Dec07

Dec08

Dec09

Dec10

Dec11

Cash-to-Debt

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0.10

0.09

0.57

0.43

1.38

Peoples Bancorp Quarterly Data
	Jun07	Sep07	Dec07	Mar08	Jun08	Sep08	Dec08	Mar09	Jun09	Sep09	Dec09	Mar10	Jun10	Sep10	Dec10	Mar11	Jun11	Sep11	Dec11	Mar12
Cash-to-Debt	Get a 7-Day Free Trial															0.75	0.91	1.03	1.38	1.74

Competitive Comparison of Peoples Bancorp's Cash-to-Debt

For the Banks - Regional subindustry, Peoples 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.

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

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

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

Peoples 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.

Peoples Bancorp's Cash to Debt Ratio for the fiscal year that ended in Dec. 2011 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)
	=	27.614	/	(0	+	20)
	=	1.38

Peoples Bancorp's Cash to Debt Ratio for the quarter that ended in Mar. 2012 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)
	=	33.1	/	(0	+	19)
	=	1.74

Peoples Bancorp (OTCPK:PEBC) 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.

Peoples Bancorp Cash-to-Debt Related Terms

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Peoples Bancorp (Peoples Bancorp) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Peoples Bancorp Inc (OTCPK:PEBC) » Definitions » Cash-to-Debt

Comparable Companies

Traded in Other Exchanges

N/A

Address

100 Spring Avenue, P.O. Box 210, Chestertown, MD, USA, 21620-0210

Website

https://www.pbkc.com

Peoples Bancorp Inc is a diversified financial products and services company. It offers a complete line of banking, investment, insurance, and trust solutions in Kent, Cecil, Queen Anne's, and Talbot Counties, Maryland. The Bank offers deposit services and loans to individuals, small businesses, associations, and government entities. Other services include direct deposit of payroll and social security checks, automatic drafts from accounts, automated teller machine services, cash management services, safe deposit boxes, money orders, and online banking with bill payment service. Its operating segment includes Community banking and Insurance.

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