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Fleetwood BankFLEW +2.68%59 Cash-to-Debt is 1.31 as of Dec. 2025, which is 100% below its 10-year median of 10,000.00. GuruFocus rates FLEW with a GF Score™ of 59/100 and a GF Value™ of $66.65 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,489 Banks companies, Fleetwood Bank ranks worse than 50.84% 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. Fleetwood Bank's cash to debt ratio for the quarter that ended in Dec. 2025 was 1.31.
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, Fleetwood Bankcould pay off its debt using the cash in hand for the quarter that ended in Dec. 2025.
The historical rank and industry rank for Fleetwood Bank's Cash-to-Debt or its related term are showing as below:
FLEW'
s Cash-to-Debt Range Over the Past 10 Years
Min: 1.31 Med: No Debt Max: No Debt
Current: 1.31
During the past 7 years, Fleetwood Bank's highest Cash to Debt Ratio was No Debt. The lowest was 1.31. And the median was No Debt.
FLEW's Cash-to-Debt is ranked worse than 50.84% of 1489
companies
in the Banks industry
Industry Median: 1.38
vs FLEW: 1.31
Fleetwood Bank (OTCPK:FLEW) 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.
Fleetwood Bank Cash-to-Debt Related Terms
Fleetwood Bank Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Fleetwood Bank'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, Fleetwood Bank'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.
Fleetwood Bank Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Fleetwood Bank's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Fleetwood Bank'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.
Fleetwood Bank (FLEW) has a Cash-to-Debt of 1.31 as of Dec. 2025. This is 100% below median its historical median of 10,000.00. Over the past decade, Fleetwood Bank's Cash-to-Debt has ranged from 1.31 to 10,000.00. According to the industry distribution chart, Fleetwood Bank ranks #757 out of 1489 companies in the Banks industry, placing it in the top 50.8%.
Is Fleetwood Bank's Cash-to-Debt too high?
Fleetwood Bank's current Cash-to-Debt of 1.31 is 100% below median its 10-year median of 10,000.00. Over the past 10 years, this metric has ranged from a low of 1.31 to a high of 10,000.00. The Banks industry median Cash-to-Debt is 1.38. Fleetwood Bank's value of 1.31 is 5.1% below this industry median. Based on the distribution chart, Fleetwood Bank ranks #757 out of 1489 companies in the Banks industry, which is below the industry midpoint. Overall, Fleetwood Bank has a GF Score™ of 59/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Fleetwood Bank's Cash-to-Debt compare to BCCB and CTYP?
According to the Banks industry distribution chart, Fleetwood Bank ranks #757 out of 1489 companies for Cash-to-Debt. This places Fleetwood Bank in the lower half of its industry. The industry median Cash-to-Debt is 1.38. Fleetwood Bank's value of 1.31 is 5.1% below this benchmark. Historically, Fleetwood Bank's own Cash-to-Debt has ranged from 1.31 to 10,000.00 over the past decade. While the company's 10-year median is 10,000.00 vs. the industry median of 1.38, Fleetwood Bank 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 1,489 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. Fleetwood Bank's current Cash-to-Debt of 1.31 is 5.1% 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. Fleetwood Bank's current Cash-to-Debt is 1.31, which is 100% below median its own 10-year median of 10,000.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fleetwood Bank stock overvalued right now?
Based on GuruFocus' analysis, Fleetwood Bank (FLEW) is currently considered Modestly Overvalued. The stock's GF Value™ is $66.65, compared to a current price of $83.28 — trading 24.9% above its estimated fair value. The current Cash-to-Debt is 1.31, which is 100% below median its 10-year median of 10,000.00 and 5.1% below the Banks industry median of 1.38. Fleetwood Bank's overall GF Score™ is 59/100 with 6 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 Fleetwood Bank (FLEW), the current Cash-to-Debt is 1.31 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 Fleetwood Bank (FLEW) Overvalued in 2026?
Based on GuruFocus' analysis, Fleetwood Bank stock appears to be overvalued.
The current stock price of $83.28 is trading 24.9% above its estimated GF Value™ of $66.65.
GuruFocus considers Fleetwood Bank to be Modestly Overvalued.
Key valuation signals for FLEW:
Cash-to-Debt: 1.31 (100% below median its 10-year median of 10,000.00)
GF Value™: $66.65 vs. price of $83.28 (24.9% above fair value)
Industry Position: 5.1% below the Banks median (#757 of 1489)
No single metric tells the full story. See the FLEW stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Fleetwood Bank Corp provides personal and business banking services. It offers banking products such as savings account, loans and mortgages, cash management services, bill payments, and online banking services. It provides loans such as personal loans, home loans, car loans, and education loans and also support businesses with working capital loans, trade finance, and project financing. Additionally, the company offers investment, insurance, and wealth management services to help customers grow their money.
59GF Score
Get the complete analysis for FLEW
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