DNB Financial (DNB Financial) Cash-to-Debt : 0.36 (As of Sep. 2019)

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What is DNB Financial 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. DNB Financial's cash to debt ratio for the quarter that ended in Sep. 2019 was 0.36.

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, DNB Financial couldn't pay off its debt using the cash in hand for the quarter that ended in Sep. 2019.

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

DNBF's Cash-to-Debt is not ranked ^*
in the Banks industry.
Industry Median: 1.25
* Ranked among companies with meaningful Cash-to-Debt only.

DNB Financial Cash-to-Debt Historical Data

The historical data trend for DNB Financial'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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DNB Financial Cash-to-Debt Chart

DNB Financial Annual Data

Trend

Dec09

Dec10

Dec11

Dec12

Dec13

Dec14

Dec15

Dec16

Dec17

Dec18

Cash-to-Debt

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0.42

0.43

0.30

0.11

0.31

DNB Financial Quarterly Data
	Dec14	Mar15	Jun15	Sep15	Dec15	Mar16	Jun16	Sep16	Dec16	Mar17	Jun17	Sep17	Dec17	Mar18	Jun18	Sep18	Dec18	Mar19	Jun19	Sep19
Cash-to-Debt	Get a 7-Day Free Trial															0.15	0.31	0.53	0.85	0.36

Competitive Comparison of DNB Financial's Cash-to-Debt

For the Banks - Regional subindustry, DNB Financial'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.

DNB Financial's Cash-to-Debt Distribution in the Banks Industry

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

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

DNB Financial 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.

DNB Financial's Cash to Debt Ratio for the fiscal year that ended in Dec. 2018 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)
	=	17.321	/	(0	+	55.269)
	=	0.31

DNB Financial's Cash to Debt Ratio for the quarter that ended in Sep. 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)
	=	19.722	/	(0	+	54.46)
	=	0.36

DNB Financial (NAS:DNBF) 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.

DNB Financial Cash-to-Debt Related Terms

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

DNB Financial (DNB Financial) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » DNB Financial Corp (NAS:DNBF) » Definitions » Cash-to-Debt

Comparable Companies

Traded in Other Exchanges

N/A

Address

4 Brandywine Avenue, Downingtown, PA, USA, 19335

Website

http://www.dnbfirst.com

DNB Financial Corp is a bank holding company of the Bank. The bank and its subsidiaries provide personal banking, business banking, wealth management and other banking services to individual and corporate customers and also to small to medium-sized businesses in Southeastern Pennsylvania market area. Its main products and services include loans and lending services, deposit products and services, non-deposit products and services and investment and insurance products. The bank generates revenue and cash flows by lending funds to commercial and consumer customers in its marketplace.

Executives

William J Hieb	director, officer: President & CEO	800 PHILADELPHIA STREET, INDIANA PA 15701
Peter Richard Barsz	director	800 PHILADELPHIA STREET, INDIANA PA 15701
Vince Liuzzi	officer: EVP, CBO	601 CLINTON STREET, DEFIANCE OH 43512
Richard Wright	officer: evp-retail