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RCBC (River City Bank) Cash-to-Debt : 1.47 (As of Dec. 2022)


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What is River City Bank 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. River City Bank's cash to debt ratio for the quarter that ended in Dec. 2022 was 1.47.

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, River City Bank could pay off its debt using the cash in hand for the quarter that ended in Dec. 2022.

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

RCBC' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.28   Med: 0.96   Max: 20.13
Current: 1.47

During the past 13 years, River City Bank's highest Cash to Debt Ratio was 20.13. The lowest was 0.28. And the median was 0.96.

RCBC's Cash-to-Debt is ranked better than
54.41% of 1564 companies
in the Banks industry
Industry Median: 1.265 vs RCBC: 1.47

River City Bank Cash-to-Debt Historical Data

The historical data trend for River City Bank'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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River City Bank Cash-to-Debt Chart

River City Bank Annual Data
Trend Dec04 Dec05 Dec06 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22
Cash-to-Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.28 0.46 14.85 20.13 1.47

River City Bank Semi-Annual Data
Dec01 Dec02 Dec03 Dec04 Dec05 Dec06 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22
Cash-to-Debt Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.28 0.46 14.85 20.13 1.47

Competitive Comparison of River City Bank's Cash-to-Debt

For the Banks - Regional subindustry, River City Bank'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.

River City Bank's Cash-to-Debt Distribution in the Banks Industry

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

* The bar in red indicates where River City Bank's Cash-to-Debt falls into.


River City Bank 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.

River City Bank'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)
=146.591 / (0 + 100)
=1.47

River City Bank's Cash to Debt Ratio for the quarter 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)
=146.591 / (0 + 100)
=1.47

* 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.

River City Bank  (OTCPK:RCBC) 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.

River City Bank Cash-to-Debt Related Terms

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River City Bank Business Description

Industry
GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » River City Bank (OTCPK:RCBC) » Definitions » Cash-to-Debt
Comparable Companies
FFIC THVB BSRR RBB FISI KRNY ALRS CARE FRBA FFMR NSE:HDFCBANK SHSE:600036 NSE:ICICIBANK SAU:1120 NSE:SBIN ISX:BBCA SGX:D05 XPAR:BNP MIL:ISP USB
Traded in Other Exchanges
N/A
Address
2480 Natomas Park Drive, Sacramento, CA, USA, 95833
Website
https://www.rivercitybank.com
River City Bank is a California state-chartered bank engaged in providing a range of banking services to individuals and businesses in California. The company's primary deposit products are checking, savings, and term certificate accounts, and its primary lending products are commercial real estate, commercial, agriculture, residential mortgage, and consumer loans. Substantially all loans are secured by specific items of collateral including business assets, consumer assets, and commercial and residential real estate in the Western United States.