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Washington Trust BancorpWASH -0.87%55 Cash-to-Debt is 0.22 as of Jun. 2026, which is 57% above its 10-year median of 0.14. GuruFocus rates WASH with a GF Score™ of 55/100 and a GF Value™ of $33.14 (Modestly Overvalued). The stock has 9 warning signs investors should review. Among 1,485 Banks companies, Washington Trust Bancorp ranks worse than 88.08% 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. Washington Trust Bancorp's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.22.
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, Washington Trust Bancorpcouldn'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 Washington Trust Bancorp's Cash-to-Debt or its related term are showing as below:
WASH'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.07 Med: 0.14 Max: 2.07
Current: 0.22
During the past 13 years, Washington Trust Bancorp's highest Cash to Debt Ratio was 2.07. The lowest was 0.07. And the median was 0.14.
WASH's Cash-to-Debt is ranked worse than 88.08% of 1485
companies
in the Banks industry
Industry Median: 1.4
vs WASH: 0.22
Washington Trust Bancorp (NAS:WASH) 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.
Washington Trust Bancorp Cash-to-Debt Related Terms
Washington Trust Bancorp Cash-to-Debt Historical Data
* 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, Washington Trust 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.
Washington Trust Bancorp Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Washington Trust Bancorp's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Washington Trust Bancorp'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.
Washington Trust Bancorp (WASH) has a Cash-to-Debt of 0.22 as of Jun. 2026. This is 57% above median its historical median of 0.14. Over the past decade, Washington Trust Bancorp's Cash-to-Debt has ranged from 0.07 to 2.07. According to the industry distribution chart, Washington Trust Bancorp ranks #1308 out of 1485 companies in the Banks industry, placing it in the top 88.1%.
Is Washington Trust Bancorp's Cash-to-Debt too high?
Washington Trust Bancorp's current Cash-to-Debt of 0.22 is 57% above median its 10-year median of 0.14. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 2.07. The Banks industry median Cash-to-Debt is 1.40. Washington Trust Bancorp's value of 0.22 is 84.3% below this industry median. Based on the distribution chart, Washington Trust Bancorp ranks #1308 out of 1485 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Washington Trust Bancorp has a GF Score™ of 55/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Washington Trust Bancorp's Cash-to-Debt compare to TCBX and CARE?
According to the Banks industry distribution chart, Washington Trust Bancorp ranks #1308 out of 1485 companies for Cash-to-Debt. This places Washington Trust Bancorp in the lower half of its industry. The industry median Cash-to-Debt is 1.40. Washington Trust Bancorp's value of 0.22 is 84.3% below this benchmark. Historically, Washington Trust Bancorp's own Cash-to-Debt has ranged from 0.07 to 2.07 over the past decade. While the company's 10-year median is 0.14 vs. the industry median of 1.40, Washington Trust Bancorp 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 1.40, based on 1,485 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. Washington Trust Bancorp's current Cash-to-Debt of 0.22 is 84.3% 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 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Washington Trust Bancorp's current Cash-to-Debt is 0.22, which is 57% above median its own 10-year median of 0.14. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Washington Trust Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Washington Trust Bancorp (WASH) is currently considered Modestly Overvalued. The stock's GF Value™ is $33.14, compared to a current price of $39.40 — trading 18.9% above its estimated fair value. The current Cash-to-Debt is 0.22, which is 57% above median its 10-year median of 0.14 and 84.3% below the Banks industry median of 1.40. Washington Trust Bancorp's overall GF Score™ is 55/100 with 9 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 Washington Trust Bancorp (WASH), the current Cash-to-Debt is 0.22 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 Washington Trust Bancorp (WASH) Overvalued in 2026?
Based on GuruFocus' analysis, Washington Trust Bancorp stock appears to be overvalued.
The current stock price of $39.40 is trading 18.9% above its estimated GF Value™ of $33.14.
GuruFocus considers Washington Trust Bancorp to be Modestly Overvalued.
Key valuation signals for WASH:
Cash-to-Debt: 0.22 (57% above median its 10-year median of 0.14)
GF Value™: $33.14 vs. price of $39.40 (18.9% above fair value)
Industry Position: 84.3% below the Banks median (#1308 of 1485)
No single metric tells the full story. See the WASH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Washington Trust Bancorp Inc through its subsidiaries, offers banking and financial services to individuals and businesses. It offers a full range of financial services, including commercial banking, mortgage banking, personal banking, wealth management, and trust services, through its offices located in Rhode Island, Connecticut, and Massachusetts. It operates in two segments. The Commercial Banking segment includes lending activities, commercial loans, residential real estate loan deposit activities, and others. The Wealth Management Services segment consists of investment management, financial planning, personal trust, and estate services, including services as trustee, personal representative, custodian, and guardian, and settlement of decedents' estates.
55GF Score
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