Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
FNBFIDS 64 Cash-to-Debt is 37.60 as of Dec. 2025, which is 17% above its 10-year median of 32.15. GuruFocus rates FIDS with a GF Score™ of 64/100 and a GF Value™ of $22.73 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,492 Banks companies, FNB ranks better than 90.68% 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. FNB's cash to debt ratio for the quarter that ended in Dec. 2025 was 37.60.
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, FNBcould pay off its debt using the cash in hand for the quarter that ended in Dec. 2025.
The historical rank and industry rank for FNB's Cash-to-Debt or its related term are showing as below:
FIDS'
s Cash-to-Debt Range Over the Past 10 Years
Min: 14.16 Med: 32.15 Max: 64.26
Current: 37.6
During the past 12 years, FNB's highest Cash to Debt Ratio was 64.26. The lowest was 14.16. And the median was 32.15.
FIDS's Cash-to-Debt is ranked better than 90.68% of 1492
companies
in the Banks industry
Industry Median: 1.37
vs FIDS: 37.60
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.
FNB Cash-to-Debt Related Terms
FNB Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for FNB'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, FNB'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.
FNB Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, FNB's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where FNB'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.
FNB (FIDS) has a Cash-to-Debt of 37.60 as of Dec. 2025. This is 17% above median its historical median of 32.15. Over the past decade, FNB's Cash-to-Debt has ranged from 14.16 to 64.26. According to the industry distribution chart, FNB ranks #139 out of 1492 companies in the Banks industry, placing it in the top 9.3%.
Is FNB's Cash-to-Debt too high?
FNB's current Cash-to-Debt of 37.60 is 17% above median its 10-year median of 32.15. Over the past 10 years, this metric has ranged from a low of 14.16 to a high of 64.26. The Banks industry median Cash-to-Debt is 1.37. FNB's value of 37.60 is 2644.5% above this industry median. Based on the distribution chart, FNB ranks #139 out of 1492 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, FNB has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does FNB's Cash-to-Debt compare to GVFF and CRZY?
According to the Banks industry distribution chart, FNB ranks #139 out of 1492 companies for Cash-to-Debt. This places FNB in the top 9% of its industry — outperforming the majority of peers. The industry median Cash-to-Debt is 1.37. FNB's value of 37.60 is 2644.5% above this benchmark. Historically, FNB's own Cash-to-Debt has ranged from 14.16 to 64.26 over the past decade. While the company's 10-year median is 32.15 vs. the industry median of 1.37, FNB has consistently been above 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 1.37, based on 1,492 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. FNB's current Cash-to-Debt of 37.60 is 2644.5% above 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 1.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FNB's current Cash-to-Debt is 37.60, which is 17% above median its own 10-year median of 32.15. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is FNB stock overvalued right now?
Based on GuruFocus' analysis, FNB (FIDS) is currently considered Modestly Overvalued. The stock's GF Value™ is $22.73, compared to a current price of $27.25 — trading 19.9% above its estimated fair value. The current Cash-to-Debt is 37.60, which is 17% above median its 10-year median of 32.15 and 2644.5% above the Banks industry median of 1.37. FNB's overall GF Score™ is 64/100 with 4 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 FNB (FIDS), the current Cash-to-Debt is 37.60 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 FNB (FIDS) Overvalued in 2026?
Based on GuruFocus' analysis, FNB stock appears to be overvalued.
The current stock price of $27.25 is trading 19.9% above its estimated GF Value™ of $22.73.
GuruFocus considers FNB to be Modestly Overvalued.
Key valuation signals for FIDS:
Cash-to-Debt: 37.60 (17% above median its 10-year median of 32.15)
GF Value™: $22.73 vs. price of $27.25 (19.9% above fair value)
Industry Position: 2644.5% above the Banks median (#139 of 1492)
No single metric tells the full story. See the FIDS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
FNB Inc is a bank holding company. The Company, through its subsidiaries, provides banking products and services. The company has the following segments: Commercial Real Estate, Commercial and Industrial, Other Commercial, Installments, and Other segments, with the majority of revenue from Commercial Real Estate.
64GF Score
Get the complete analysis for FIDS
Cash-to-Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FIDS has been successfully added to your 
