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Avidia BancorpAVBC +0.18%10 Cash-to-Debt is 0.38 as of Jun. 2026, which is at its 10-year median of 0.38. GuruFocus rates AVBC with a GF Score™ of 10/100. The stock has 1 warning sign investors should review. Among 1,496 Banks companies, Avidia Bancorp ranks worse than 81.02% on this metric.
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. Avidia Bancorp's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.38.
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, Avidia Bancorpcouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Avidia Bancorp's Cash-to-Debt or its related term are showing as below:
AVBC'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.16 Med: 0.38 Max: 1.07
Current: 0.38
During the past 3 years, Avidia Bancorp's highest Cash to Debt Ratio was 1.07. The lowest was 0.16. And the median was 0.38.
AVBC's Cash-to-Debt is ranked worse than 81.02% of 1496
companies
in the Banks industry
Industry Median: 1.38
vs AVBC: 0.38
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.
Avidia Bancorp Cash-to-Debt Related Terms
Avidia Bancorp Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Avidia 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.
For the Banks - Regional subindustry, Avidia 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.
Avidia Bancorp Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Avidia Bancorp's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Avidia Bancorp's Cash-to-Debt falls into.
* 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.
Avidia Bancorp (AVBC) has a Cash-to-Debt of 0.38 as of Jun. 2026. This is near median its historical median of 0.38. Over the past decade, Avidia Bancorp's Cash-to-Debt has ranged from 0.16 to 1.07. According to the industry distribution chart, Avidia Bancorp ranks #1212 out of 1496 companies in the Banks industry, placing it in the top 81%.
Is Avidia Bancorp's Cash-to-Debt too high?
Avidia Bancorp's current Cash-to-Debt of 0.38 is near median its 10-year median of 0.38. Over the past 10 years, this metric has ranged from a low of 0.16 to a high of 1.07. The Banks industry median Cash-to-Debt is 1.38. Avidia Bancorp's value of 0.38 is 72.5% below this industry median. Based on the distribution chart, Avidia Bancorp ranks #1212 out of 1496 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Avidia Bancorp has a GF Score™ of 10/100, reflecting its overall financial health beyond just this single metric.
How does Avidia Bancorp's Cash-to-Debt compare to USCB and PKBK?
According to the Banks industry distribution chart, Avidia Bancorp ranks #1212 out of 1496 companies for Cash-to-Debt. This places Avidia Bancorp in the lower half of its industry. The industry median Cash-to-Debt is 1.38. Avidia Bancorp's value of 0.38 is 72.5% below this benchmark. Historically, Avidia Bancorp's own Cash-to-Debt has ranged from 0.16 to 1.07 over the past decade. While the company's 10-year median is 0.38 vs. the industry median of 1.38, Avidia Bancorp has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.38, based on 1,496 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Avidia Bancorp's current Cash-to-Debt of 0.38 is 72.5% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Avidia Bancorp's current Cash-to-Debt is 0.38, which is near median its own 10-year median of 0.38. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Avidia Bancorp stock overvalued right now?
Avidia Bancorp (AVBC) has a current Cash-to-Debt of 0.38. The current Cash-to-Debt is 0.38, which is near median its 10-year median of 0.38 and 72.5% below the Banks industry median of 1.38. Avidia Bancorp's overall GF Score™ is 10/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Avidia Bancorp (AVBC), the current Cash-to-Debt is 0.38 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Avidia Bancorp Inc business consists of taking deposits from the general public and investing those deposits, together with funds generated from operations, in commercial and industrial loans, one-to four-family residential mortgage loans, and commercial real estate loans.
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