Atos Bank a.d. (XBLB:ZPKB-R-A) Cash-to-Debt: 3.01 (As of Dec. 2025)

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What is Atos Bank a.d. Cash-to-Debt?

Atos Bank a.d. XBLB:ZPKB-R-A Cash-to-Debt is 3.01 as of Dec. 2025.

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. Atos Bank a.d.'s cash to debt ratio for the quarter that ended in Dec. 2025 was 3.01.

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, Atos Bank a.d. could pay off its debt using the cash in hand for the quarter that ended in Dec. 2025.

The historical rank and industry rank for Atos Bank a.d.'s Cash-to-Debt or its related term are showing as below:

XBLB:ZPKB-R-A's Cash-to-Debt is not ranked ^*
in the Banks industry.
Industry Median: 1.475
* Ranked among companies with meaningful Cash-to-Debt only.

Atos Bank a.d. (XBLB:ZPKB-R-A) 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.

Atos Bank a.d. Cash-to-Debt Related Terms

Atos Bank a.d. Cash-to-Debt Historical Data

* Premium members only.

The historical data trend for Atos Bank a.d.'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.

Atos Bank a.d. Cash-to-Debt Chart

Atos Bank a.d. Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

Cash-to-Debt

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5.89

4.59

2.68

2.40

3.01

Atos Bank a.d. Semi-Annual Data
	Jun16	Dec16	Jun17	Dec17	Jun18	Dec18	Jun19	Dec19	Jun20	Dec20	Jun21	Dec21	Jun22	Dec22	Jun23	Dec23	Jun24	Dec24	Jun25	Dec25
Cash-to-Debt	Get a 7-Day Free Trial															2.68	2.17	2.40	2.79	3.01

XBLB:ZPKB-R-A vs LCHTF: Cash-to-Debt Comparison

For the Banks - Regional subindustry, Atos 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.

Atos Bank a.d. Cash-to-Debt vs Banks Industry

For the Banks industry and Financial Services sector, Atos Bank a.d.'s Cash-to-Debt distribution charts can be found below:

* The bar in red indicates where Atos Bank a.d.'s Cash-to-Debt falls into.

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Atos Bank a.d. 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.

Atos Bank a.d.'s Cash to Debt Ratio for the fiscal year that ended in Dec. 2025 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)
	=	313.357	/	(0	+	104.16)
	=	3.01

Atos Bank a.d.'s Cash to Debt Ratio for the quarter that ended in Dec. 2025 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)
	=	313.357	/	(0	+	104.16)
	=	3.01

Frequently Asked Questions Learn more about Cash-to-Debt →

What does a Cash-to-Debt of 3.01 mean?

Atos Bank a.d. (XBLB:ZPKB-R-A) has a Cash-to-Debt of 3.01 as of Dec. 2025.

Is Atos Bank a.d.'s Cash-to-Debt too high?

Atos Bank a.d.'s current Cash-to-Debt is 3.01. The Banks industry median Cash-to-Debt is 1.48. Atos Bank a.d.'s value of 3.01 is 104.1% above this industry median.

How does Atos Bank a.d.'s Cash-to-Debt compare to LCHTF?

Atos Bank a.d.'s Cash-to-Debt of 3.01 can be compared against companies in the Banks industry. The industry median Cash-to-Debt is 1.48. Atos Bank a.d.'s value of 3.01 is 104.1% above this benchmark. 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 1.48, based on 1,500 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. Atos Bank a.d.'s current Cash-to-Debt of 3.01 is 104.1% 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 1.48 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Atos Bank a.d.'s current Cash-to-Debt is 3.01. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is Atos Bank a.d. stock overvalued right now?

Atos Bank a.d. (XBLB:ZPKB-R-A) has a current Cash-to-Debt of 3.01. The current Cash-to-Debt is 3.01 and 104.1% above the Banks industry median of 1.48. 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 Atos Bank a.d. (XBLB:ZPKB-R-A), the current Cash-to-Debt is 3.01 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.

Atos Bank a.d. Business Description

Industry Financial Services Banks

Comparable Companies LCHTF LTS:0RJ2 MIC:KUZB OSL:ISSG OSL:HSPG FRA:3IM OSL:AASB-ME OCSE:HVID FRA:VG8 OSL:SKUE ZAG:KBZ-R-A OCSE:OJBA OSL:VVL LTS:0REX OCSE:SALB LTS:0GAV OSL:MELG OSL:AURG OCSE:MNBA XBRA:1OTP006E

Address Jevrejska 71 Street, Banja Luka, BIH, 78000

Website https://www.atosbank.ba

Atos Bank a.d. operates in the finance and banking sector. It offers various banking services including accounts and payments, package accounts, savings, and cards. The bank also offers online banking, mobile banking, and automated teller machine (ATM) services.