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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. Pavlovic International Bank a.d's cash to debt ratio for the quarter that ended in Dec. 2025 was 3.82.
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, Pavlovic International Bank a.dcould pay off its debt using the cash in hand for the quarter that ended in Dec. 2025.
The historical rank and industry rank for Pavlovic International Bank a.d's Cash-to-Debt or its related term are showing as below:
XBLB:PIBB-R-D'
s Cash-to-Debt Range Over the Past 10 Years
Min: 2.28 Med: 4.28 Max: 5.53
Current: 3.82
During the past 13 years, Pavlovic International Bank a.d's highest Cash to Debt Ratio was 5.53. The lowest was 2.28. And the median was 4.28.
XBLB:PIBB-R-D's Cash-to-Debt is not ranked
in the Banks industry.
Industry Median: 1.45
vs XBLB:PIBB-R-D: 3.82
Pavlovic International Bank a.d (XBLB:PIBB-R-D) 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.
Pavlovic International Bank a.d Cash-to-Debt Related Terms
Pavlovic International Bank a.d 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.
Pavlovic International Bank a.d Cash-to-Debt Chart
XBLB:PIBB-R-D vs BKESF, TCNB: Cash-to-Debt Comparison
For the Banks - Regional subindustry, Pavlovic International Bank a.d'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.
Pavlovic International Bank a.d Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Pavlovic International Bank a.d's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Pavlovic International Bank a.d'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.
Pavlovic International Bank a.d (XBLB:PIBB-R-D) has a Cash-to-Debt of 3.82 as of Dec. 2025. This is 11% below median its historical median of 4.28. Over the past decade, Pavlovic International Bank a.d's Cash-to-Debt has ranged from 2.28 to 5.53.
Is Pavlovic International Bank a.d's Cash-to-Debt too high?
Pavlovic International Bank a.d's current Cash-to-Debt of 3.82 is 11% below median its 10-year median of 4.28. Over the past 10 years, this metric has ranged from a low of 2.28 to a high of 5.53. The Banks industry median Cash-to-Debt is 1.45. Pavlovic International Bank a.d's value of 3.82 is 163.4% above this industry median. Overall, Pavlovic International Bank a.d has a GF Score™ of 2/100, reflecting its overall financial health beyond just this single metric.
How does Pavlovic International Bank a.d's Cash-to-Debt compare to BKESF and TCNB?
Pavlovic International Bank a.d's Cash-to-Debt of 3.82 can be compared against companies in the Banks industry. The industry median Cash-to-Debt is 1.45. Pavlovic International Bank a.d's value of 3.82 is 163.4% above this benchmark. Historically, Pavlovic International Bank a.d's own Cash-to-Debt has ranged from 2.28 to 5.53 over the past decade. While the company's 10-year median is 4.28 vs. the industry median of 1.45, Pavlovic International Bank a.d has consistently been above 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 1.45, based on 1,489 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. Pavlovic International Bank a.d's current Cash-to-Debt of 3.82 is 163.4% above 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 1.45 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pavlovic International Bank a.d's current Cash-to-Debt is 3.82, which is 11% below median its own 10-year median of 4.28. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pavlovic International Bank a.d stock overvalued right now?
Pavlovic International Bank a.d (XBLB:PIBB-R-D) has a current Cash-to-Debt of 3.82. The current Cash-to-Debt is 3.82, which is 11% below median its 10-year median of 4.28 and 163.4% above the Banks industry median of 1.45. Pavlovic International Bank a.d's overall GF Score™ is 2/100 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 Pavlovic International Bank a.d (XBLB:PIBB-R-D), the current Cash-to-Debt is 3.82 as of Dec. 2025. 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.
Pavlovic International Bank a.d Business Description
Pavlovic International Bank a.d provides banking services. It provides retail and corporate banking services including loans, overdrafts, consumer loans, housing loans, savings accounts, payment cards, short term loans, and other banking services.
2GF Score
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