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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. CNB Financial Services's cash to debt ratio for the quarter that ended in Dec. 2025 was 0.12.
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, CNB Financial Servicescouldn't pay off its debt using the cash in hand for the quarter that ended in Dec. 2025.
The historical rank and industry rank for CNB Financial Services's Cash-to-Debt or its related term are showing as below:
CBFC'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.12 Med: 0.6 Max: 3.35
Current: 0.12
During the past 13 years, CNB Financial Services's highest Cash to Debt Ratio was 3.35. The lowest was 0.12. And the median was 0.60.
CBFC's Cash-to-Debt is not ranked
in the Banks industry.
Industry Median: 1.38
vs CBFC: 0.12
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.
CNB Financial Services Cash-to-Debt Related Terms
CNB Financial Services Cash-to-Debt Historical Data
* 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, CNB Financial Services'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.
CNB Financial Services Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, CNB Financial Services's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where CNB Financial Services'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.
CNB Financial Services (CBFC) has a Cash-to-Debt of 0.12 as of Dec. 2025. This is 80% below median its historical median of 0.60. Over the past decade, CNB Financial Services' Cash-to-Debt has ranged from 0.12 to 3.35.
Is CNB Financial Services' Cash-to-Debt too high?
CNB Financial Services' current Cash-to-Debt of 0.12 is 80% below median its 10-year median of 0.60. Over the past 10 years, this metric has ranged from a low of 0.12 to a high of 3.35. The Banks industry median Cash-to-Debt is 1.38. CNB Financial Services' value of 0.12 is 91.3% below this industry median. Overall, CNB Financial Services has a GF Score™ of 65/100, reflecting its overall financial health beyond just this single metric.
How does CNB Financial Services' Cash-to-Debt compare to GWBK and MKIN?
CNB Financial Services' Cash-to-Debt of 0.12 can be compared against companies in the Banks industry. The industry median Cash-to-Debt is 1.38. CNB Financial Services' value of 0.12 is 91.3% below this benchmark. Historically, CNB Financial Services' own Cash-to-Debt has ranged from 0.12 to 3.35 over the past decade. While the company's 10-year median is 0.60 vs. the industry median of 1.38, CNB Financial Services 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 1,490 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. CNB Financial Services's current Cash-to-Debt of 0.12 is 91.3% 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. CNB Financial Services's current Cash-to-Debt is 0.12, which is 80% below median its own 10-year median of 0.60. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CNB Financial Services stock overvalued right now?
CNB Financial Services (CBFC) has a current Cash-to-Debt of 0.12. The stock's GF Value™ is $41.00, compared to a current price of $50.00 — trading 22% above its estimated fair value. The current Cash-to-Debt is 0.12, which is 80% below median its 10-year median of 0.60 and 91.3% below the Banks industry median of 1.38. CNB Financial Services' overall GF Score™ is 65/100 with 7 warning signs 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 CNB Financial Services (CBFC), the current Cash-to-Debt is 0.12 as of Dec. 2025. 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.
Is CNB Financial Services (CBFC) Overvalued in 2026?
Based on GuruFocus' analysis, CNB Financial Services stock appears to be overvalued.
The current stock price of $50.00 is trading 22% above its estimated GF Value™ of $41.00.
Key valuation signals for CBFC:
Cash-to-Debt: 0.12 (80% below median its 10-year median of 0.60)
GF Value™: $41.00 vs. price of $50.00 (22% above fair value)
No single metric tells the full story. See the CBFC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CNB Financial Services Inc operates as the bank holding company for CNB Bank, Inc, which is a full-service commercial bank conducting general banking and trust activities through various full-service offices and automated teller machines located in Morgan and Berkeley Counties, West Virginia, and Washington County, Maryland, among others. The sources of revenue for the Bank are interest income from loans and investments, and non-interest income. The company has the following portfolios: Construction, land, and Residential properties, Non-farm nonresidential properties, Commercial and industrial loans, Consumer loans, and Leases.
65GF Score
Get the complete analysis for CBFC
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