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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. Peoples's cash to debt ratio for the quarter that ended in Dec. 2022 was 9.13.
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, Peoplescould pay off its debt using the cash in hand for the quarter that ended in Dec. 2022.
The historical rank and industry rank for Peoples's Cash-to-Debt or its related term are showing as below:
PPLL's Cash-to-Debt is not ranked *
in the Banks industry.
Industry Median: 1.38 * Ranked among companies with meaningful Cash-to-Debt only.
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.
Peoples Cash-to-Debt Related Terms
Peoples Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Peoples'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.
Peoples Cash-to-Debt Chart
Peoples Annual Data
Trend
Dec19
Dec20
Dec21
Dec22
Cash-to-Debt
1.71
2.68
7.94
9.13
Peoples Semi-Annual Data
Dec19
Dec20
Dec21
Dec22
Cash-to-Debt
1.71
2.68
7.94
9.13
PPLL vs ORPB, CBKM, CIZN: Cash-to-Debt Comparison
For the Banks - Regional subindustry, Peoples'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.
Peoples Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Peoples's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Peoples'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.
Peoples (PPLL) has a Cash-to-Debt of 9.13 as of Dec. 2022.
Is Peoples' Cash-to-Debt too high?
Peoples' current Cash-to-Debt is 9.13. The Banks industry median Cash-to-Debt is 1.38. Peoples' value of 9.13 is 561.6% above this industry median. Overall, Peoples has a GF Score™ of 25/100, reflecting its overall financial health beyond just this single metric.
How does Peoples' Cash-to-Debt compare to ORPB and CBKM?
Peoples' Cash-to-Debt of 9.13 can be compared against companies in the Banks industry. The industry median Cash-to-Debt is 1.38. Peoples' value of 9.13 is 561.6% above this benchmark. 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 1,490 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. Peoples's current Cash-to-Debt of 9.13 is 561.6% 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 1.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Peoples's current Cash-to-Debt is 9.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Peoples stock overvalued right now?
Peoples (PPLL) has a current Cash-to-Debt of 9.13. The current Cash-to-Debt is 9.13 and 561.6% above the Banks industry median of 1.38. Peoples' overall GF Score™ is 25/100. 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 Peoples (PPLL), the current Cash-to-Debt is 9.13 as of Dec. 2022. 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.
Peoples Ltd provides a full range of basic financial services to individuals, small businesses, and corporate customers through offices in Bradford, Lackawanna, Sullivan, Susquehanna, and Wyoming counties of Pennsylvania. The area is a rural and suburban market with an economic base of light manufacturing, retail and agricultural businesses. The company's primary deposit products are demand deposits and interest-bearing time and savings accounts. It offers a full array of loan products to meet the needs of retail and commercial customers.
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