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Jd BancsharesJDVB 54 Cash-to-Debt is 2.32 as of Jun. 2026, which is 17% above its 10-year median of 1.98. GuruFocus rates JDVB with a GF Score™ of 54/100 and a GF Value™ of $28.74 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,490 Banks companies, Jd Bancshares ranks better than 62.21% 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. Jd Bancshares's cash to debt ratio for the quarter that ended in Jun. 2026 was 2.32.
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, Jd Bancsharescould pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Jd Bancshares's Cash-to-Debt or its related term are showing as below:
JDVB'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.42 Med: 1.98 Max: 13.2
Current: 2.32
During the past 11 years, Jd Bancshares's highest Cash to Debt Ratio was 13.20. The lowest was 0.42. And the median was 1.98.
JDVB's Cash-to-Debt is ranked better than 62.21% of 1490
companies
in the Banks industry
Industry Median: 1.4
vs JDVB: 2.32
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.
Jd Bancshares Cash-to-Debt Related Terms
Jd Bancshares Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Jd Bancshares'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, Jd Bancshares'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.
Jd Bancshares Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Jd Bancshares's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Jd Bancshares'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.
Jd Bancshares (JDVB) has a Cash-to-Debt of 2.32 as of Jun. 2026. This is 17% above median its historical median of 1.98. Over the past decade, Jd Bancshares' Cash-to-Debt has ranged from 0.42 to 13.20. According to the industry distribution chart, Jd Bancshares ranks #563 out of 1490 companies in the Banks industry, placing it in the top 37.8%.
Is Jd Bancshares' Cash-to-Debt too high?
Jd Bancshares' current Cash-to-Debt of 2.32 is 17% above median its 10-year median of 1.98. Over the past 10 years, this metric has ranged from a low of 0.42 to a high of 13.20. The Banks industry median Cash-to-Debt is 1.40. Jd Bancshares' value of 2.32 is 65.7% above this industry median. Based on the distribution chart, Jd Bancshares ranks #563 out of 1490 companies in the Banks industry, which is above the industry midpoint. Overall, Jd Bancshares has a GF Score™ of 54/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Jd Bancshares' Cash-to-Debt compare to MGYR and CNBP?
According to the Banks industry distribution chart, Jd Bancshares ranks #563 out of 1490 companies for Cash-to-Debt. This puts Jd Bancshares in the upper half of its industry. The industry median Cash-to-Debt is 1.40. Jd Bancshares' value of 2.32 is 65.7% above this benchmark. Historically, Jd Bancshares' own Cash-to-Debt has ranged from 0.42 to 13.20 over the past decade. While the company's 10-year median is 1.98 vs. the industry median of 1.40, Jd Bancshares 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 1.40, 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. Jd Bancshares's current Cash-to-Debt of 2.32 is 65.7% 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 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jd Bancshares's current Cash-to-Debt is 2.32, which is 17% above median its own 10-year median of 1.98. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Jd Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Jd Bancshares (JDVB) is currently considered Modestly Overvalued. The stock's GF Value™ is $28.74, compared to a current price of $37.00 — trading 28.7% above its estimated fair value. The current Cash-to-Debt is 2.32, which is 17% above median its 10-year median of 1.98 and 65.7% above the Banks industry median of 1.40. Jd Bancshares' overall GF Score™ is 54/100 with 5 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 Jd Bancshares (JDVB), the current Cash-to-Debt is 2.32 as of Jun. 2026. 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 Jd Bancshares (JDVB) Overvalued in 2026?
Based on GuruFocus' analysis, Jd Bancshares stock appears to be overvalued.
The current stock price of $37.00 is trading 28.7% above its estimated GF Value™ of $28.74.
GuruFocus considers Jd Bancshares to be Modestly Overvalued.
Key valuation signals for JDVB:
Cash-to-Debt: 2.32 (17% above median its 10-year median of 1.98)
GF Value™: $28.74 vs. price of $37.00 (28.7% above fair value)
Industry Position: 65.7% above the Banks median (#563 of 1490)
No single metric tells the full story. See the JDVB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
JD Bancshares Inc operates as a holding company and provides a variety of banking services to individuals and businesses, mainly in and around southern Louisiana. The Bank offers personal, e-banking, business, and commercial banking services. Its primary deposit products include demand deposits, savings deposits, and certificates of deposit, while its lending products include commercial, real estate, and consumer loans. The Bank also offers loans, savings, checking, online banking, credit cards, mortgages, investments, and financial planning with JD Prime, and estate and trust services.
54GF Score
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