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Primary BkPRMY -2.19%58 Cash-to-Debt is 45.73 as of Dec. 2025, which is 4% below its 10-year median of 47.85. GuruFocus rates PRMY with a GF Score™ of 58/100 and a GF Value™ of $25.77 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,490 Banks companies, Primary Bk ranks better than 91.01% 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. Primary Bk's cash to debt ratio for the quarter that ended in Dec. 2025 was 45.73.
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, Primary Bkcould pay off its debt using the cash in hand for the quarter that ended in Dec. 2025.
The historical rank and industry rank for Primary Bk's Cash-to-Debt or its related term are showing as below:
PRMY'
s Cash-to-Debt Range Over the Past 10 Years
Min: 5.54 Med: 47.85 Max: 116.25
Current: 45.73
During the past 7 years, Primary Bk's highest Cash to Debt Ratio was 116.25. The lowest was 5.54. And the median was 47.85.
PRMY's Cash-to-Debt is ranked better than 91.01% of 1490
companies
in the Banks industry
Industry Median: 1.395
vs PRMY: 45.73
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.
Primary Bk Cash-to-Debt Related Terms
Primary Bk Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Primary Bk'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, Primary Bk'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.
Primary Bk Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Primary Bk's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Primary Bk'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.
Primary Bk (PRMY) has a Cash-to-Debt of 45.73 as of Dec. 2025. This is near median its historical median of 47.85. Over the past decade, Primary Bk's Cash-to-Debt has ranged from 5.54 to 116.25. According to the industry distribution chart, Primary Bk ranks #134 out of 1490 companies in the Banks industry, placing it in the top 9%.
Is Primary Bk's Cash-to-Debt too high?
Primary Bk's current Cash-to-Debt of 45.73 is near median its 10-year median of 47.85. Over the past 10 years, this metric has ranged from a low of 5.54 to a high of 116.25. The Banks industry median Cash-to-Debt is 1.40. Primary Bk's value of 45.73 is 3178.1% above this industry median. Based on the distribution chart, Primary Bk ranks #134 out of 1490 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Primary Bk has a GF Score™ of 58/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Primary Bk's Cash-to-Debt compare to SBFG and INBC?
According to the Banks industry distribution chart, Primary Bk ranks #134 out of 1490 companies for Cash-to-Debt. This places Primary Bk in the top 9% of its industry — outperforming the majority of peers. The industry median Cash-to-Debt is 1.40. Primary Bk's value of 45.73 is 3178.1% above this benchmark. Historically, Primary Bk's own Cash-to-Debt has ranged from 5.54 to 116.25 over the past decade. While the company's 10-year median is 47.85 vs. the industry median of 1.40, Primary Bk 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. Primary Bk's current Cash-to-Debt of 45.73 is 3178.1% 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. Primary Bk's current Cash-to-Debt is 45.73, which is near median its own 10-year median of 47.85. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Primary Bk stock overvalued right now?
Based on GuruFocus' analysis, Primary Bk (PRMY) is currently considered Significantly Overvalued. The stock's GF Value™ is $25.77, compared to a current price of $35.70 — trading 38.5% above its estimated fair value. The current Cash-to-Debt is 45.73, which is near median its 10-year median of 47.85 and 3178.1% above the Banks industry median of 1.40. Primary Bk's overall GF Score™ is 58/100 with 4 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 Primary Bk (PRMY), the current Cash-to-Debt is 45.73 as of Dec. 2025. 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 Primary Bk (PRMY) Overvalued in 2026?
Based on GuruFocus' analysis, Primary Bk stock appears to be overvalued.
The current stock price of $35.70 is trading 38.5% above its estimated GF Value™ of $25.77.
GuruFocus considers Primary Bk to be Significantly Overvalued.
Key valuation signals for PRMY:
Cash-to-Debt: 45.73 (near median its 10-year median of 47.85)
GF Value™: $25.77 vs. price of $35.70 (38.5% above fair value)
Industry Position: 3178.1% above the Banks median (#134 of 1490)
No single metric tells the full story. See the PRMY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Primary Bk is a banking service provider. The services offered by the bank include online banking, mobile banking, remote deposit, cash management, and credit cards. The Bank provides a variety of financial services to small and medium-sized businesses, professionals, municipalities, and not-for-profit organizations through its offices in Bedford, Manchester, Derry, and Nashua, New Hampshire.
58GF Score
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