FNB Bancorp (FNB Bancorp) Cash-to-Debt : 0.21 (As of Mar. 2018)

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What is FNB 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. FNB Bancorp's cash to debt ratio for the quarter that ended in Mar. 2018 was 0.21.

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, FNB Bancorp couldn't pay off its debt using the cash in hand for the quarter that ended in Mar. 2018.

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

FNBG's Cash-to-Debt is not ranked ^*
in the Banks industry.
Industry Median: 1.245
* Ranked among companies with meaningful Cash-to-Debt only.

FNB Bancorp Cash-to-Debt Historical Data

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

FNB Bancorp Annual Data

Trend

Dec08

Dec09

Dec10

Dec11

Dec12

Dec13

Dec14

Dec15

Dec16

Dec17

Cash-to-Debt

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1.30

1.22

0.57

0.21

0.24

FNB Bancorp Quarterly Data
	Jun13	Sep13	Dec13	Mar14	Jun14	Sep14	Dec14	Mar15	Jun15	Sep15	Dec15	Mar16	Jun16	Sep16	Dec16	Mar17	Jun17	Sep17	Dec17	Mar18
Cash-to-Debt	Get a 7-Day Free Trial															0.28	0.23	0.27	0.24	0.21

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

For the Banks - Regional subindustry, FNB 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.

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

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

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

FNB 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.

FNB Bancorp's Cash to Debt Ratio for the fiscal year that ended in Dec. 2017 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)
	=	18.483	/	(0	+	78.75)
	=	0.23

FNB Bancorp's Cash to Debt Ratio for the quarter that ended in Mar. 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)
	=	21.363	/	(0	+	103.6)
	=	0.21

FNB Bancorp (NAS:FNBG) 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.

FNB Bancorp Cash-to-Debt Related Terms

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FNB Bancorp (FNB Bancorp) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » FNB Bancorp (NAS:FNBG) » Definitions » Cash-to-Debt

Comparable Companies

Traded in Other Exchanges

N/A

Address

Website

http://www.fnbnorcal.com

FNB Bancorp is a bank holding company based in the United States. The company along with its wholly owned subsidiary, First National Bank of Northern California provides traditional banking services. It operates from several offices across various cities such as Daly City, South San Francisco, Half Moon Bay, and Sunnyvale. Its primary business is servicing the business and commercial banking needs of individuals and small to mid-sized businesses within San Mateo, San Francisco, and Santa Clara Counties.

Executives

Thomas C Mcgraw	director, 10 percent owner, officer: CEO	C/O FNB BANCORP, 975 EL CAMINO REAL, SOUTH SAN FRANCISCO CA 94080
Thomas G Atwood	director, 10 percent owner

FNB Bancorp (FNB Bancorp) Headlines

From GuruFocus

FNB Bancorp Declares $0.13 Per Share Cash Dividend

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