CCYY (CCCB Bancorp) Cash-to-Debt: (As of Dec. 2025)

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CCYY CCCB Bancorp Inc CCYY
49 GF Score
Price $11.31
GF Value $6.94
Valuation Significantly Overvalued
! 7 Warning Signs
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What is CCCB 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. CCCB Bancorp's cash to debt ratio for the quarter that ended in Dec. 2025 was .

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, CCCB Bancorp couldn'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 CCCB Bancorp's Cash-to-Debt or its related term are showing as below:

CCYY' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.25   Med: 1.91   Max: 4.82
Current: 0.57

During the past 13 years, CCCB Bancorp's highest Cash to Debt Ratio was 4.82. The lowest was 0.25. And the median was 1.91.

CCYY's Cash-to-Debt is ranked worse than
71.92% of 1492 companies
in the Banks industry
Industry Median: 1.37 vs CCYY: 0.57

CCCB Bancorp  (OTCPK:CCYY) 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.

CCCB Bancorp Cash-to-Debt Related Terms

CCCB Bancorp Cash-to-Debt Historical Data

* Premium members only.

The historical data trend for CCCB 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.

CCCB Bancorp Cash-to-Debt Chart

CCCB Bancorp Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec22 Dec23 Dec24 Dec25
Cash-to-Debt
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CCCB Bancorp Semi-Annual Data
Dec11 Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec22 Dec23 Dec24 Dec25
Cash-to-Debt Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only - - - - -

CCYY vs TCNB, CRZY, JTNB: Cash-to-Debt Comparison

For the Banks - Regional subindustry, CCCB 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.

CCCB Bancorp Cash-to-Debt vs Banks Industry

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

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


CCYY
49GF Score
CCCB Bancorp Inc CCYY
Cash-to-Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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CCCB 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.

CCCB Bancorp's Cash to Debt Ratio for the fiscal year that ended in Dec. 2025 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)
=2.287104 / (8.558146 + 0.545515)
=0.25

CCCB Bancorp's Cash to Debt Ratio for the quarter that ended in Dec. 2025 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)
=2.287104 / (8.558146 + 0.545515)
=0.25

* 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.

Is CCCB Bancorp (CCYY) Overvalued in 2026?

Based on GuruFocus' analysis, CCCB Bancorp stock appears to be overvalued. The current stock price of $11.31 is trading 63% above its estimated GF Value™ of $6.94. GuruFocus considers CCCB Bancorp to be Significantly Overvalued.

Key valuation signals for CCYY:

  • Cash-to-Debt:
  • GF Value™: $6.94 vs. price of $11.31 (63% above fair value)
  • GF Score™: 49/100 with 7 warning signs

No single metric tells the full story. See the CCYY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

CCCB Bancorp Business Description

Address 333 West Main Street, Clarion, PA, USA, 16214
CCCB Bancorp Inc is a banking company that provides financial services through its offices in Clarion County, Venango County, and Erie County. Its services include personal banking, business banking, and e-banking. Its primary deposit products are checking, savings, and term certificate accounts, and its primary lending products are residential mortgage, commercial real estate, commercial, and consumer loans.
49GF Score

Get the complete analysis for CCYY

Cash-to-Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$11.31
Price
$6.94
GF Value