FSB Bancorp (FSB Bancorp) Cash-to-Debt : 0.15 (As of Dec. 2019)

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What is FSB 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. FSB Bancorp's cash to debt ratio for the quarter that ended in Dec. 2019 was 0.15.

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, FSB Bancorp couldn't pay off its debt using the cash in hand for the quarter that ended in Dec. 2019.

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

FSBC's Cash-to-Debt is not ranked ^*
in the Banks industry.
Industry Median: 1.25
* Ranked among companies with meaningful Cash-to-Debt only.

FSB Bancorp Cash-to-Debt Historical Data

The historical data trend for FSB 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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FSB Bancorp Cash-to-Debt Chart

FSB Bancorp Annual Data

Trend

Dec07

Dec08

Dec09

Dec10

Dec11

Dec15

Dec16

Dec17

Dec18

Dec19

Cash-to-Debt

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0.13

0.16

0.09

0.15

FSB Bancorp 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															0.09	0.10	0.12	0.09	0.15

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

For the Banks - Regional subindustry, FSB 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.

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

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

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

FSB 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.

FSB Bancorp'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)
	=	7.933	/	(1	+	53.057)
	=	0.15

FSB Bancorp'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)
	=	7.933	/	(1	+	53.057)
	=	0.15

FSB Bancorp (NAS:FSBC) 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.

FSB Bancorp Cash-to-Debt Related Terms

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FSB Bancorp (FSB Bancorp) Business Description

Industry

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

Comparable Companies

Traded in Other Exchanges

N/A

Address

45 South Main Street, Fairport, NY, USA, 14450

Website

https://www.fairportsavingsbank.com

FSB Bancorp Inc is a bank holding company which offers secure and personalized financial solutions. The company through its banking subsidiaries is engaged in providing banking products and services including checking and savings, lending and other mortgage services, Wealth Management and Insurance. Its revenue derived primarily from Interest on loans and, Interest on investment and municipal securities and mortgage-backed securities.

Executives

Kevin D Maroney

director, officer: President and CEO

45 SOUTH MAIN STREET, FAIRPORT NY 14450