SBT Bancorp (SBT Bancorp) Cash-to-Debt : 4.02 (As of Dec. 2017)

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What is SBT 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. SBT Bancorp's cash to debt ratio for the quarter that ended in Dec. 2017 was 4.02.

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, SBT Bancorp could pay off its debt using the cash in hand for the quarter that ended in Dec. 2017.

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

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

SBT Bancorp Cash-to-Debt Historical Data

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

SBT Bancorp Annual Data

Trend

Dec08

Dec09

Dec10

Dec11

Dec12

Dec13

Dec14

Dec15

Dec16

Dec17

Cash-to-Debt

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1.26

1.13

0.77

0.36

4.02

SBT Bancorp Quarterly Data
	Mar13	Jun13	Sep13	Dec13	Mar14	Jun14	Sep14	Dec14	Mar15	Jun15	Sep15	Dec15	Mar16	Jun16	Sep16	Dec16	Mar17	Jun17	Sep17	Dec17
Cash-to-Debt	Get a 7-Day Free Trial															0.36	0.50	0.46	3.82	4.02

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

For the Banks - Regional subindustry, SBT 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.

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

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

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

SBT 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.

SBT 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)
	=	38.557	/	(0	+	9.599)
	=	4.02

SBT Bancorp's Cash to Debt Ratio for the quarter 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)
	=	38.557	/	(0	+	9.599)
	=	4.02

SBT Bancorp (OTCPK:SBTB) 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.

SBT Bancorp Cash-to-Debt Related Terms

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

SBT Bancorp (SBT Bancorp) Business Description

Industry

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

Comparable Companies

Traded in Other Exchanges

N/A

Address

86 Hopmeadow Street, Weatogue, CT, USA, 06089

Website

http://www.simsburybank.com

SBT Bancorp Inc is the holding company for The Simsbury Bank & Trust Company Inc. The bank offers commercial banking services to residents and businesses through commercial loans and residential mortgage programs as well as home equity lines and loans, FDIC-insured checking, savings, and IRA accounts, 401(k) rollover accounts, and safe deposit and other customary non-deposit banking services. The bank also offers investment products to customers through SBT Investment Services, Inc. The Bank serves customers locally through branches in Avon, Bloomfield, Granby, Simsbury and West Hartford and regionally through mortgage and commercial bankers active throughout Southern New England.

Executives

Michael L. Hammer

other: Simsbury Bank & Trust Director

C/O HV BANCORP, INC., 2005 SOUTH EASTON ROAD, SUITE 304, DOYLESTOWN PA 18901

SBT Bancorp (SBT Bancorp) Headlines

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