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TBC Bank GroupTBCCF 78 Cash-to-Debt is 0.61 as of Jun. 2026, which is 68% below its 10-year median of 1.92. GuruFocus rates TBCCF with a GF Score™ of 78/100 and a GF Value™ of $60.73 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,494 Banks companies, TBC Bank Group ranks worse than 70.68% 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. TBC Bank Group's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.61.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, TBC Bank Groupcouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for TBC Bank Group's Cash-to-Debt or its related term are showing as below:
TBCCF'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.45 Med: 1.92 Max: 6.43
Current: 0.61
During the past 13 years, TBC Bank Group's highest Cash to Debt Ratio was 6.43. The lowest was 0.45. And the median was 1.92.
TBCCF's Cash-to-Debt is ranked worse than 70.68% of 1494
companies
in the Banks industry
Industry Median: 1.38
vs TBCCF: 0.61
TBC Bank Group (OTCPK:TBCCF) 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.
TBC Bank Group Cash-to-Debt Related Terms
TBC Bank Group Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for TBC Bank Group'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, TBC Bank Group'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.
TBC Bank Group Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, TBC Bank Group's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where TBC Bank Group'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.
TBC Bank Group (TBCCF) has a Cash-to-Debt of 0.61 as of Jun. 2026. This is 68% below median its historical median of 1.92. Over the past decade, TBC Bank Group's Cash-to-Debt has ranged from 0.45 to 6.43. According to the industry distribution chart, TBC Bank Group ranks #1056 out of 1494 companies in the Banks industry, placing it in the top 70.7%.
Is TBC Bank Group's Cash-to-Debt too high?
TBC Bank Group's current Cash-to-Debt of 0.61 is 68% below median its 10-year median of 1.92. Over the past 10 years, this metric has ranged from a low of 0.45 to a high of 6.43. The Banks industry median Cash-to-Debt is 1.38. TBC Bank Group's value of 0.61 is 55.8% below this industry median. Based on the distribution chart, TBC Bank Group ranks #1056 out of 1494 companies in the Banks industry, which is below the industry midpoint. Overall, TBC Bank Group has a GF Score™ of 78/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does TBC Bank Group's Cash-to-Debt compare to competitors?
According to the Banks industry distribution chart, TBC Bank Group ranks #1056 out of 1494 companies for Cash-to-Debt. This places TBC Bank Group in the lower half of its industry. The industry median Cash-to-Debt is 1.38. TBC Bank Group's value of 0.61 is 55.8% below this benchmark. Historically, TBC Bank Group's own Cash-to-Debt has ranged from 0.45 to 6.43 over the past decade. While the company's 10-year median is 1.92 vs. the industry median of 1.38, TBC Bank Group has consistently been below 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 1.38, based on 1,494 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. TBC Bank Group's current Cash-to-Debt of 0.61 is 55.8% below 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. TBC Bank Group's current Cash-to-Debt is 0.61, which is 68% below median its own 10-year median of 1.92. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is TBC Bank Group stock overvalued right now?
Based on GuruFocus' analysis, TBC Bank Group (TBCCF) is currently considered Fairly Valued. The stock's GF Value™ is $60.73, compared to a current price of $62.00 — trading 2.1% above its estimated fair value. The current Cash-to-Debt is 0.61, which is 68% below median its 10-year median of 1.92 and 55.8% below the Banks industry median of 1.38. TBC Bank Group's overall GF Score™ is 78/100 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 TBC Bank Group (TBCCF), the current Cash-to-Debt is 0.61 as of Jun. 2026. 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 TBC Bank Group (TBCCF) Overvalued in 2026?
Based on GuruFocus' analysis, TBC Bank Group stock appears to be overvalued.
The current stock price of $62.00 is trading 2.1% above its estimated GF Value™ of $60.73.
GuruFocus considers TBC Bank Group to be Fairly Valued.
Key valuation signals for TBCCF:
Cash-to-Debt: 0.61 (68% below median its 10-year median of 1.92)
GF Value™: $60.73 vs. price of $62.00 (2.1% above fair value)
Industry Position: 55.8% below the Banks median (#1056 of 1494)
No single metric tells the full story. See the TBCCF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
TBC Bank Group PLC is a UK-based banking group. The business activities of the company involves universal banking operations within Georgia. The bank is focused on financial services activities, and the majority of its total assets relate to banking, insurance, leasing, brokerage, and corporate advisory services. Its operating segments include Georgian financial services (Georgia FS), which includes corporate and investment banking (CIB), Retail - non-business individual customers; Micro, Small, and Medium Enterprises: (MSME); Uzbekistan; and Other Operations.
78GF Score
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