WDFN (Woodlands Financial Services Co) Cash-to-Debt : 0.58 (As of Sep. 2024)

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What is Woodlands Financial Services Co 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. Woodlands Financial Services Co's cash to debt ratio for the quarter that ended in Sep. 2024 was 0.58.

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, Woodlands Financial Services Co couldn't pay off its debt using the cash in hand for the quarter that ended in Sep. 2024.

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

WDFN' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.32 Med: 1.4 Max: 14.47
Current: 0.58

During the past 13 years, Woodlands Financial Services Co's highest Cash to Debt Ratio was 14.47. The lowest was 0.32. And the median was 1.40.

WDFN's Cash-to-Debt is ranked worse than
71.76% of 1491 companies
in the Banks industry
Industry Median: 1.32 vs WDFN: 0.58

Woodlands Financial Services Co Cash-to-Debt Historical Data

The historical data trend for Woodlands Financial Services Co'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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Woodlands Financial Services Co Cash-to-Debt Chart

Woodlands Financial Services Co Annual Data

Trend

Dec13

Dec14

Dec15

Dec16

Dec17

Dec19

Dec20

Dec21

Dec22

Dec23

Cash-to-Debt

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0.84

10.20

13.10

7.18

0.54

Woodlands Financial Services Co Quarterly Data
	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24
Cash-to-Debt	Get a 7-Day Free Trial															0.67	0.54	0.43	0.35	0.58

Competitive Comparison of Woodlands Financial Services Co's Cash-to-Debt

For the Banks - Regional subindustry, Woodlands Financial Services Co'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.

Woodlands Financial Services Co's Cash-to-Debt Distribution in the Banks Industry

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

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

Woodlands Financial Services Co 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.

Woodlands Financial Services Co's Cash to Debt Ratio for the fiscal year that ended in Dec. 2023 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)
	=	12.857	/	(0	+	23.941)
	=	0.54

Woodlands Financial Services Co's Cash to Debt Ratio for the quarter that ended in Sep. 2024 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)
	=	13.871	/	(0	+	23.949)
	=	0.58

Woodlands Financial Services Co (OTCPK:WDFN) 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.

Woodlands Financial Services Co Cash-to-Debt Related Terms

Thank you for viewing the detailed overview of Woodlands Financial Services Co's Cash-to-Debt provided by GuruFocus.com. Please click on the following links to see related term pages.

Woodlands Financial Services Co Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Woodlands Financial Services Co (OTCPK:WDFN) » Definitions » Cash-to-Debt

Comparable Companies

Traded in Other Exchanges

N/A

Address

2450 E. Third Street, Williamsport, PA, USA, 17701

Website

http://www.woodlandsbank.com

Woodlands Financial Services Co is a Pennsylvania corporation organized as financial services holding company of Woodlands Bank. The Bank is a state chartered commercial bank located in Williamsport, Pennsylvania and operates as a traditional community bank, providing commercial and consumer banking and trust services in Lycoming and Clinton Counties and the surrounding market area. Its services comprise Merchant Services, Cyber Security, Online Banking & Bill Pay, Mobile Banking and Additional Bank Services. The Company has determined that its only reportable segment is community banking. It also offers other services including trust and asset management and money orders.