River Valley Community Bancorp (River Valley Community Bancorp) Cash-to-Debt : No Debt ⁽¹⁾ (As of Sep. 2007)

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What is River Valley Community Bancorp 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 Valley Community Bancorp's cash to debt ratio for the quarter that ended in Sep. 2007 was No Debt ⁽¹⁾.

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 Valley Community Bancorp could pay off its debt using the cash in hand for the quarter that ended in Sep. 2007.

(1) 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.

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

RVCB's Cash-to-Debt is not ranked ^*
in the Banks industry.
Industry Median: 1.29
* Ranked among companies with meaningful Cash-to-Debt only.

River Valley Community Bancorp Cash-to-Debt Historical Data

The historical data trend for River Valley Community Bancorp'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 Valley Community Bancorp Cash-to-Debt Chart

River Valley Community Bancorp Annual Data

Trend

Dec06

Cash-to-Debt

No Debt

River Valley Community Bancorp Quarterly Data
	Mar07	Jun07	Sep07
Cash-to-Debt	No Debt	No Debt	No Debt

Competitive Comparison of River Valley Community Bancorp's Cash-to-Debt

For the Banks - Regional subindustry, River Valley Community Bancorp'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 Valley Community Bancorp's Cash-to-Debt Distribution in the Banks Industry

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

* The bar in red indicates where River Valley Community Bancorp's Cash-to-Debt falls into.

River Valley Community Bancorp 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 Valley Community Bancorp's Cash to Debt Ratio for the fiscal year that ended in Dec. 2006 is calculated as:

River Valley Community Bancorp had no debt ⁽¹⁾.

River Valley Community Bancorp's Cash to Debt Ratio for the quarter that ended in Sep. 2007 is calculated as:

River Valley Community Bancorp had no debt ⁽¹⁾.

River Valley Community Bancorp (OTCPK:RVCB) 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 Valley Community Bancorp Cash-to-Debt Related Terms

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

River Valley Community Bancorp (River Valley Community Bancorp) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » River Valley Community Bancorp (OTCPK:RVCB) » Definitions » Cash-to-Debt

Comparable Companies

Traded in Other Exchanges

N/A

Address

1629 Colusa Avenue, Yuba City, CA, USA, 95993

Website

https://www.rivervalleycommunitybank.com

River Valley Community Bancorp is headquartered in Yuba City, California. The bank offers various Personal Banking services, including checking accounts, savings accounts, and Certificates of Deposit. The Bank offers several commercial and consumer loans to fit its customer's specific needs. It also offers several cash management solutions aimed at meeting the specific needs of small to medium-sized businesses, professionals, and non-profit organizations.