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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. Romerike Sparebank's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.01.
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, Romerike Sparebankcouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Romerike Sparebank's Cash-to-Debt or its related term are showing as below:
OSL:ROMER'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0 Med: 0.02 Max: 0.1
Current: 0.01
During the past 12 years, Romerike Sparebank's highest Cash to Debt Ratio was 0.10. The lowest was 0.00. And the median was 0.02.
OSL:ROMER's Cash-to-Debt is ranked worse than 99.19% of 1490
companies
in the Banks industry
Industry Median: 1.4
vs OSL:ROMER: 0.01
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.
Romerike Sparebank Cash-to-Debt Related Terms
Romerike Sparebank Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Romerike Sparebank'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, Romerike Sparebank'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.
Romerike Sparebank Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Romerike Sparebank's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Romerike Sparebank'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.
Romerike Sparebank (OSL:ROMER) has a Cash-to-Debt of 0.01 as of Jun. 2026. This is 50% below median its historical median of 0.02. According to the industry distribution chart, Romerike Sparebank ranks #1478 out of 1490 companies in the Banks industry, placing it in the top 99.2%.
Is Romerike Sparebank's Cash-to-Debt too high?
Romerike Sparebank's current Cash-to-Debt of 0.01 is 50% below median its 10-year median of 0.02. The Banks industry median Cash-to-Debt is 1.40. Romerike Sparebank's value of 0.01 is 99.3% below this industry median. Based on the distribution chart, Romerike Sparebank ranks #1478 out of 1490 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Romerike Sparebank has a GF Score™ of 54/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Romerike Sparebank's Cash-to-Debt compare to competitors?
According to the Banks industry distribution chart, Romerike Sparebank ranks #1478 out of 1490 companies for Cash-to-Debt. This places Romerike Sparebank in the lower half of its industry. The industry median Cash-to-Debt is 1.40. Romerike Sparebank's value of 0.01 is 99.3% below this benchmark. While the company's 10-year median is 0.02 vs. the industry median of 1.40, Romerike Sparebank 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 1.40, 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. Romerike Sparebank's current Cash-to-Debt of 0.01 is 99.3% 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 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Romerike Sparebank's current Cash-to-Debt is 0.01, which is 50% below median its own 10-year median of 0.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Romerike Sparebank stock overvalued right now?
Based on GuruFocus' analysis, Romerike Sparebank (OSL:ROMER) is currently considered Fairly Valued. The stock's GF Value™ is kr143.68, compared to a current price of kr155.88 — trading 8.5% above its estimated fair value. The current Cash-to-Debt is 0.01, which is 50% below median its 10-year median of 0.02 and 99.3% below the Banks industry median of 1.40. Romerike Sparebank's 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 Romerike Sparebank (OSL:ROMER), the current Cash-to-Debt is 0.01 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 Romerike Sparebank (OSL:ROMER) Overvalued in 2026?
Based on GuruFocus' analysis, Romerike Sparebank stock appears to be overvalued.
The current stock price of kr155.88 is trading 8.5% above its estimated GF Value™ of kr143.68.
GuruFocus considers Romerike Sparebank to be Fairly Valued.
Key valuation signals for OSL:ROMER:
Cash-to-Debt: 0.01 (50% below median its 10-year median of 0.02)
GF Value™: kr143.68 vs. price of kr155.88 (8.5% above fair value)
Industry Position: 99.3% below the Banks median (#1478 of 1490)
No single metric tells the full story. See the OSL:ROMER stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Romerike Sparebank is a local bank that provides banking and financial services in Norway. It provides services of Daily banking, Insurance, Loans, Savings and Retitement.
54GF Score
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