Peoples Financial (Peoples Financial) Cash-to-Debt : 1.23 (As of Dec. 2023)

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What is Peoples 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. Peoples Financial's cash to debt ratio for the quarter that ended in Dec. 2023 was 1.23.

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 Financial could pay off its debt using the cash in hand for the quarter that ended in Dec. 2023.

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

PFBX' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.48 Med: 4.41 Max: No Debt
Current: 1.23

During the past 13 years, Peoples Financial's highest Cash to Debt Ratio was No Debt. The lowest was 0.48. And the median was 4.41.

PFBX's Cash-to-Debt is ranked worse than
50.35% of 1440 companies
in the Banks industry
Industry Median: 1.245 vs PFBX: 1.23

Peoples Financial Cash-to-Debt Historical Data

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

Peoples Financial Annual Data

Trend

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Cash-to-Debt

Get a 7-Day Free Trial

8.35

94.47

56.23

No Debt

1.23

Peoples Financial Quarterly Data
	Mar19	Jun19	Sep19	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23
Cash-to-Debt	Get a 7-Day Free Trial															No Debt	No Debt	No Debt	No Debt	1.23

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

For the Banks - Regional subindustry, Peoples 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.

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

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

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

Peoples 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.

Peoples Financial's Cash to Debt Ratio for the fiscal year that ended in Dec. 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)
	=	22.794	/	(0	+	18.5)
	=	1.23

Peoples Financial's Cash to Debt Ratio for the quarter that ended in Dec. 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)
	=	22.794	/	(0	+	18.5)
	=	1.23

Peoples Financial (OTCPK:PFBX) 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 Financial Cash-to-Debt Related Terms

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

Peoples Financial (Peoples Financial) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Peoples Financial Corp (OTCPK:PFBX) » Definitions » Cash-to-Debt

Comparable Companies

Traded in Other Exchanges

N/A

Address

Lameuse and Howard Avenues, Biloxi, MS, USA, 39533

Website

https://www.thepeoples.com

Peoples Financial Corp is a bank holding company that provides banking, financial and trust services to individuals, small and commercial businesses operating in Mississippi, Louisiana, and Alabama. The bank's lending services include business, commercial, real estate, construction, personal and installment loans; and deposit services include interest-bearing, non-interest-bearing checking accounts, savings accounts, certificates of deposit, and individual retirement accounts. It also offers safe deposit box rental, collection services, cash management, and internet banking.

Executives

Joseph Stilwell	10 percent owner	111 BROADWAY, 12TH FLOOR, NEW YORK NY 10006
Chevis Swetman	director, 10 percent owner, officer: President/CEO	P.O. BOX 1416, BILOXI MS 39533-1416
Padrick D Dennis	director	12473 PRESERVATION DRIVE, GULFPORT MS 39503-7062
Rodney H Blackwell	other: See Explanation of Responses	P.O. BOX 18439, HATTIESBURG MS 39404
Stilwell Activist Investments, L.p.	10 percent owner	111 BROADWAY, 12TH FLOOR, NEW YORK NY 10006
Stilwell Value Llc	10 percent owner	111 BROADWAY, 12TH FLOOR, NEW YORK NY 10006
Stilwell Value Partners Vii, L.p.	10 percent owner	111 BROADWAY, 12TH FLOOR, NEW YORK NY 10006
Stilwell Activist Fund, L.p.	10 percent owner	111 BROADWAY, 12TH FLOOR, NEW YORK NY 10006
Katherine Paige Riley	director	920 WASHINGTON AVENUE, OCEAN SPRINGS MS 39564
Sliman George J Iii	director	723 HOWARD AVENUE, BILOXI MS 39530-4305
Ronald G Barnes	director	10600 JORDAN RD, VANCLEAVE MS 39565
Andrew T Swetman	10 percent owner, officer: Senior Vice President	152 LAMEUSE STREET, BILOXI MS 39530
Brian J Kozlowski	officer: Senior Vice President	155 LAMEUSE STREET, BILOXI MS 39530
James J Gruich	officer: Senior Vice President	7113 WAYNE LANE, BILOXI MS 39532-9361
Lauri A Wood	officer: Chief Financial Officer	P.O. BOX 1416, BILOXI MS 39533-1416