Southwest Georgia Financial (Southwest Georgia Financial) Cash-to-Debt : 1.42 (As of Dec. 2019)

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What is Southwest Georgia 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. Southwest Georgia Financial's cash to debt ratio for the quarter that ended in Dec. 2019 was 1.42.

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, Southwest Georgia Financial could pay off its debt using the cash in hand for the quarter that ended in Dec. 2019.

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

SGB's Cash-to-Debt is not ranked ^*
in the Banks industry.
Industry Median: 1.245
* Ranked among companies with meaningful Cash-to-Debt only.

Southwest Georgia Financial Cash-to-Debt Historical Data

The historical data trend for Southwest Georgia 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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Southwest Georgia Financial Cash-to-Debt Chart

Southwest Georgia Financial Annual Data

Trend

Dec10

Dec11

Dec12

Dec13

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Cash-to-Debt

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0.87

0.77

1.81

1.42

Southwest Georgia Financial Quarterly Data
	Mar15	Jun15	Sep15	Dec15	Mar16	Jun16	Sep16	Dec16	Mar17	Jun17	Sep17	Dec17	Mar18	Jun18	Sep18	Dec18	Mar19	Jun19	Sep19	Dec19
Cash-to-Debt	Get a 7-Day Free Trial															1.81	5.39	1.23	0.92	1.42

Competitive Comparison of Southwest Georgia Financial's Cash-to-Debt

For the Banks - Regional subindustry, Southwest Georgia 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.

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

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

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

Southwest Georgia 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.

Southwest Georgia Financial's Cash to Debt Ratio for the fiscal year that ended in Dec. 2019 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)
	=	40.361	/	(5.814	+	22.679)
	=	1.42

Southwest Georgia Financial's Cash to Debt Ratio for the quarter that ended in Dec. 2019 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)
	=	40.361	/	(5.814	+	22.679)
	=	1.42

Southwest Georgia Financial (AMEX:SGB) 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.

Southwest Georgia Financial Cash-to-Debt Related Terms

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Southwest Georgia Financial (Southwest Georgia Financial) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Southwest Georgia Financial Corp (AMEX:SGB) » Definitions » Cash-to-Debt

Comparable Companies

Traded in Other Exchanges

N/A

Address

201 First Street South East, Moultrie, GA, USA, 31768

Website

https://www.sgb.bank

Southwest Georgia Financial Corp is a bank holding company of Southwest Georgia Bank. Its core business is providing banking services to individuals and businesses. The bank offers customary banking services, such as consumer and commercial checking accounts, Negotiable Order of Withdrawal accounts, savings accounts, certificates of deposit, lines of credit, VISA business accounts, money transfers and mortgage banking services. It is also active in the investment domain, through the provision of securities available for sale and securities held to maturity.