HFB Financial (HFB Financial) Cash-to-Debt : 0.21 (As of Sep. 2003)

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What is HFB Financial 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. HFB Financial's cash to debt ratio for the quarter that ended in Sep. 2003 was 0.21.

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, HFB Financial couldn't pay off its debt using the cash in hand for the quarter that ended in Sep. 2003.

The historical rank and industry rank for HFB Financial's Cash-to-Debt or its related term are showing as below:

HFBA's Cash-to-Debt is not ranked ^*
in the Banks industry.
Industry Median: 1.29
* Ranked among companies with meaningful Cash-to-Debt only.

HFB Financial Cash-to-Debt Historical Data

The historical data trend for HFB Financial'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.

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HFB Financial Cash-to-Debt Chart

HFB Financial Annual Data

Trend

Jun96

Jun97

Jun98

Jun99

Jun00

Jun01

Jun02

Cash-to-Debt

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0.55

0.20

0.23

1.04

0.25

HFB Financial Quarterly Data
	Jun96	Jun97	Jun98	Jun99	Dec99	Mar00	Jun00	Sep00	Dec00	Mar01	Jun01	Sep01	Dec01	Mar02	Jun02	Sep02	Dec02	Mar03	Jun03	Sep03
Cash-to-Debt	Get a 7-Day Free Trial															0.18	0.18	0.23	0.17	0.21

Competitive Comparison of HFB Financial's Cash-to-Debt

For the Banks - Regional subindustry, HFB Financial'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.

HFB Financial's Cash-to-Debt Distribution in the Banks Industry

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

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

HFB Financial 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.

HFB Financial's Cash to Debt Ratio for the fiscal year that ended in Jun. 2002 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)
	=	5.225	/	(0	+	20.726)
	=	0.25

HFB Financial's Cash to Debt Ratio for the quarter that ended in Sep. 2003 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)
	=	5.999	/	(0	+	28.927)
	=	0.21

HFB Financial (OTCPK:HFBA) 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.

HFB Financial Cash-to-Debt Related Terms

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HFB Financial (HFB Financial) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » HFB Financial Corp (OTCPK:HFBA) » Definitions » Cash-to-Debt

Comparable Companies

Traded in Other Exchanges

N/A

Address

1602 Cumberland Avenue, Middlesboro, KY, USA, 40965-1225

Website

https://www.hearthsidebank.com

HFB Financial Corp is a United States based company engaged in providing banking and financial services. The company offers checking accounts, saving accounts, money market accounts, certificates of deposit, health savings accounts, individual retirement accounts, overdrafts, and card facilities Further, it also offers loans, online banking, investment, and insurance-related services.

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