PCLB (Pinnacle Bancshares) Cash-to-Debt : 1.33 (As of Sep. 2024)

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What is Pinnacle Bancshares 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. Pinnacle Bancshares's cash to debt ratio for the quarter that ended in Sep. 2024 was 1.33.

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, Pinnacle Bancshares could pay off its debt using the cash in hand for the quarter that ended in Sep. 2024.

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

PCLB' s Cash-to-Debt Range Over the Past 10 Years
Min: 1.33 Med: 2.01 Max: 5.38
Current: 1.33

During the past 13 years, Pinnacle Bancshares's highest Cash to Debt Ratio was 5.38. The lowest was 1.33. And the median was 2.01.

PCLB's Cash-to-Debt is ranked better than
50.13% of 1502 companies
in the Banks industry
Industry Median: 1.325 vs PCLB: 1.33

Pinnacle Bancshares Cash-to-Debt Historical Data

The historical data trend for Pinnacle 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.

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Pinnacle Bancshares Cash-to-Debt Chart

Pinnacle Bancshares Annual Data

Trend

Dec01

Dec02

Dec03

Dec04

Dec05

Dec06

Dec19

Dec20

Dec21

Dec22

Cash-to-Debt

Get a 7-Day Free Trial

3.12

1.93

1.68

3.59

3.99

Pinnacle Bancshares Quarterly Data
	Sep19	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Mar24	Jun24	Sep24
Cash-to-Debt	Get a 7-Day Free Trial															1.36	1.58	1.56	1.45	1.33

Competitive Comparison of Pinnacle Bancshares's Cash-to-Debt

For the Banks - Regional subindustry, Pinnacle 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.

Pinnacle Bancshares's Cash-to-Debt Distribution in the Banks Industry

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

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

Pinnacle Bancshares 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.

Pinnacle Bancshares's Cash to Debt Ratio for the fiscal year that ended in Dec. 2022 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)
	=	13.929	/	(0	+	3.491)
	=	3.99

Pinnacle Bancshares's Cash to Debt Ratio for the quarter that ended in Sep. 2024 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)
	=	16.448	/	(0	+	12.364)
	=	1.33

Pinnacle Bancshares (OTCPK:PCLB) 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.

Pinnacle Bancshares Cash-to-Debt Related Terms

Thank you for viewing the detailed overview of Pinnacle Bancshares's Cash-to-Debt provided by GuruFocus.com. Please click on the following links to see related term pages.

Pinnacle Bancshares Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Pinnacle Bancshares Inc (OTCPK:PCLB) » Definitions » Cash-to-Debt

Comparable Companies

Traded in Other Exchanges

N/A

Address

1811 Second Avenue, Jasper, AL, USA, 35501

Website

https://www.pinnaclebanc.com

Pinnacle Bancshares Inc is a bank holding company that provides a range of banking services and products, including checking and savings accounts, as well as demand and time deposits.