Versailles Financial (Versailles Financial) Cash-to-Debt : 1.35 (As of Sep. 2012)

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What is Versailles Financial 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. Versailles Financial's cash to debt ratio for the quarter that ended in Sep. 2012 was 1.35.

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, Versailles Financial could pay off its debt using the cash in hand for the quarter that ended in Sep. 2012.

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

VERF's Cash-to-Debt is not ranked ^*
in the Banks industry.
Industry Median: 1.28
* Ranked among companies with meaningful Cash-to-Debt only.

Versailles Financial Cash-to-Debt Historical Data

The historical data trend for Versailles Financial'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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Versailles Financial Cash-to-Debt Chart

Versailles Financial Annual Data

Trend

Jun09

Jun10

Jun11

Jun12

Cash-to-Debt

0.44

0.72

0.73

1.16

Versailles Financial Quarterly Data
	Sep08	Dec08	Mar09	Jun09	Sep09	Dec09	Mar10	Jun10	Sep10	Dec10	Mar11	Jun11	Sep11	Dec11	Mar12	Jun12	Sep12
Cash-to-Debt	Get a 7-Day Free Trial												1.01	1.08	1.08	1.16	1.35

Competitive Comparison of Versailles Financial's Cash-to-Debt

For the Banks - Regional subindustry, Versailles Financial'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.

Versailles Financial's Cash-to-Debt Distribution in the Banks Industry

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

* The bar in red indicates where Versailles Financial's Cash-to-Debt falls into.

Versailles Financial 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.

Versailles Financial's Cash to Debt Ratio for the fiscal year that ended in Jun. 2012 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)
	=	5.775	/	(0	+	5)
	=	1.16

Versailles Financial's Cash to Debt Ratio for the quarter that ended in Sep. 2012 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)
	=	6.728	/	(0	+	5)
	=	1.35

Versailles Financial (OTCPK:VERF) 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.

Versailles Financial Cash-to-Debt Related Terms

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Versailles Financial (Versailles Financial) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Versailles Financial Corp (OTCPK:VERF) » Definitions » Cash-to-Debt

Comparable Companies

Traded in Other Exchanges

N/A

Address

10413 Kley Road, PO Box 92, Versailles, OH, USA, 45380

Website

http://www.versaillessavingsbank.com

Versailles Financial Corp is an Ohio chartered savings and loan company. Its business consists of accepting savings accounts and certificates of deposits from the general public and investing those deposits. The company also offers real estate loans and other services.

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