FNCB Bancorp (FNCB Bancorp) Cash-to-Debt : 0.62 (As of Dec. 2023)

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What is FNCB Bancorp 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. FNCB Bancorp's cash to debt ratio for the quarter that ended in Dec. 2023 was 0.62.

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, FNCB Bancorp couldn't pay off its debt using the cash in hand for the quarter that ended in Dec. 2023.

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

FNCB' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.13 Med: 0.62 Max: 15.11
Current: 0.62

During the past 13 years, FNCB Bancorp's highest Cash to Debt Ratio was 15.11. The lowest was 0.13. And the median was 0.62.

FNCB's Cash-to-Debt is ranked worse than
67.62% of 1439 companies
in the Banks industry
Industry Median: 1.25 vs FNCB: 0.62

FNCB Bancorp Cash-to-Debt Historical Data

The historical data trend for FNCB Bancorp'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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FNCB Bancorp Cash-to-Debt Chart

FNCB Bancorp Annual Data

Trend

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Cash-to-Debt

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0.60

15.11

3.27

0.23

0.62

FNCB Bancorp Quarterly Data
	Mar19	Jun19	Sep19	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23
Cash-to-Debt	Get a 7-Day Free Trial															0.23	0.35	0.48	0.41	0.62

Competitive Comparison of FNCB Bancorp's Cash-to-Debt

For the Banks - Regional subindustry, FNCB 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.

FNCB Bancorp's Cash-to-Debt Distribution in the Banks Industry

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

* The bar in red indicates where FNCB Bancorp's Cash-to-Debt falls into.

FNCB Bancorp 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.

FNCB Bancorp'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)
	=	107.868	/	(0	+	175.272)
	=	0.62

FNCB Bancorp's Cash to Debt Ratio for the quarter 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)
	=	107.868	/	(0	+	175.272)
	=	0.62

FNCB Bancorp (NAS:FNCB) 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.

FNCB Bancorp Cash-to-Debt Related Terms

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

FNCB Bancorp (FNCB Bancorp) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » FNCB Bancorp Inc (NAS:FNCB) » Definitions » Cash-to-Debt

Comparable Companies

Traded in Other Exchanges

O6H:Germany

Address

102 East Drinker Street, Dunmore, PA, USA, 18512

Website

https://www.fncb.com

FNCB Bancorp Inc is a bank holding company. The Bank provides a wide variety of traditional banking products and services to individuals and businesses, including online, mobile and telephone banking, debit cards, check imaging and electronic statements. Deposit products include various checking, savings, and certificate of deposit products, as well as a line of preferred products for higher-balance customers. The Bank provides products and services including Retail Banking, Lending Activities, Wealth Management and Deposit Activities.

Executives

James P Chiaro	officer: EVP/CHIEF INV SERVICES OFFICER	102 E DRINKER ST, DUNMORE PA 18512
Aaron J Cunningham	officer: CHIEF CREDIT OFFICER	102 E. DRINKER ST., DUNMORE PA 18512
Dawn D Gronski	officer: HUMAN RESOURCES OFFICER	FNCB BANCORP, INC., 102 E. DRINKER ST., DUNMORE PA 18512
Lisa L Kinney	officer: Bank VP & Retail Lending Off.	102 E. DRINKER STREET, DUNMORE PA 18512
Stephanie A. Westington	officer: Vice President, Controller	102 E. DRINKER STREET, DUNMORE PA 18512
Denaples Louis A Jr	director	102 E. DRINKER STREET, DUNMORE PA 18512
William Mcguigan	officer: AUDIT OFFICER	102 E. DRINKER STREET, DUNMORE PA 18512
Donna Yanuzzi	officer: SVP/EQP FINANCE SALES OFFICER	102 E DRINKER ST, DUNMORE PA 18512
Amy M Kelley	officer: SVP/OPERATIONS OFFICER	102 E DRINKER ST, DUNMORE PA 18512
Gary P Cook	officer: EVP/EQUIPMENT FINANCE OFFICER	7 EAST SAYLOR AVENUE, WILKES-BARRE PA 18702
William G. Bracey	director	102 E. DRINKER STREET, DUNMORE PA 18512
Richard D Drust	officer: SVP/RETAIL BANKING OFFICER	FIRST NATIONAL COMMUNITY BANCORP, INC., 102 E. DRINKER STREET, DUNMORE PA 19603
Honick Ronald S. Jr.	officer: Audit Manager	102 E. DRINKER STREET, DUNMORE PA 18512
James F Burke	officer: EVP/CHIEF BANKING OFFICER	FNCB BANCORP, INC., 102 E. DRINKER ST., DUNMORE PA 18512
Vithalbhai D Dhaduk	director	FNCB BANCORP, INC., 102 E. DRINKER ST., DUNMORE PA 18512