Randolph Bancorp (NAS:RNDB) Cash-to-Debt

: 0.45 (As of Jun. 2022)

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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. Randolph Bancorp's cash to debt ratio for the quarter that ended in Jun. 2022 was 0.45.

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, Randolph Bancorp couldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2022.

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

RNDB' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.1 Med: 0.3 Max: 3.22
Current: 0.45

During the past 8 years, Randolph Bancorp's highest Cash to Debt Ratio was 3.22. The lowest was 0.10. And the median was 0.30.

RNDB's Cash-to-Debt is not ranked
in the Banks industry.
Industry Median: 1.48 vs RNDB: 0.45

Randolph Bancorp Cash-to-Debt Historical Data

The historical data trend for Randolph 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.

* Premium members only.

Randolph Bancorp Annual Data

Trend

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Cash-to-Debt

0.16

0.11

0.20

0.22

2.31

Randolph Bancorp Quarterly Data
	Sep17	Dec17	Mar18	Jun18	Sep18	Dec18	Mar19	Jun19	Sep19	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22
Cash-to-Debt																0.70	0.21	2.31	1.58	0.45

Competitive Comparison

For the Banks - Regional subindustry, Randolph 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.

Annual Data Quarterly Data

Randolph Bancorp Cash-to-Debt Distribution

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

* The bar in red indicates where Randolph Bancorp's Cash-to-Debt falls in comparison to its industry or sector. The grey bar indicates the Cash-to-Debt's extreme value range as defined by GuruFocus.

Randolph 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.

Randolph Bancorp's Cash to Debt Ratio for the fiscal year that ended in Dec. 2021 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)
	=	115.449	/	(0	+	50)
	=	2.31

Randolph Bancorp's Cash to Debt Ratio for the quarter that ended in Jun. 2022 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)
	=	14.891	/	(0	+	32.946)
	=	0.45

Randolph Bancorp (NAS:RNDB) 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.

Randolph Bancorp Cash-to-Debt Related Terms

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

Randolph Bancorp (NAS:RNDB) Business Description

Industry

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

Comparable Companies

Traded in Other Exchanges

N/A

Address

10 Cabot Place, Stoughton, MA, USA, 02072

Website

http://www.randolphbancorp.com

Randolph Bancorp Inc is a bank holding company of Envision Bank. The company is engaged in providing financial services to individuals, families, and small to mid-size businesses. The business of the company includes accepting deposits from the public and investing those deposits, commercial real estate loans, construction loans, investment securities, and consumer loans. The firm also offers deposit accounts, certificates of deposit, and money market accounts. The company has two reporting segments; Envision Bank, which is the key revenue generating segment; and Envision Mortgage. Envision Mortgage consists primarily of gains on loan origination and sales activities, loan servicing income and interest income on loans held for sale and residential construction loans.

Executives

Friedman Martin S.	10 percent owner	7901 JONES BRANCH DR. SUITE 210 MCLEAN VA 22102
Kaupp Evelyn	director	C/O RANDOLPH BANCORP, INC. 10 CABOT PLACE STOUGHTON MA 02072
Perry Ronald K	director	320 NORWOOD PARK SOUTH NORWOOD MA 02062
Scott Pamela C	director	151 BRADLEE AVENUE SWAMPSCOTT MA 01907
Parent William M	director, officer: President & CEO	C/O GRAIL INVESTMENT CORP. 767 THIRD AVENUE, 21ST FLOOR NEW YORK NY 10017
Messmore Lauren	officer: EVP & CFO	320 NORWOOD PARK SOUTH NORWOOD MA 02062
Curry Nancy J.	officer: SVP/Commercial Lending	C/O RANDOLPH BANCORP, INC. 10 CABOT PLACE STOUGHTON MA 02072
Fraser Peter J.	officer: Senior Vice President	C/O RANDOLPH BANCORP, INC. 10 CABOT PLACE STOUGHTON MA 02072
O'connor John J. Iii	director	C/O RANDOLPH BANCORP, INC. 10 CABOT PLACE STOUGHTON MA 02072
Mcdonough James P	director, officer: See Remarks	C/O RANDOLPH BANCORP, INC. 10 CABOT PLACE STOUGHTON MA 02072
Donovan Paul R	director	CHAIRMAN'S VIEW 300 GRANITE ST., SUITE 406 BRAINTREE MA 02184
Phillips Richard A. Sr.	director	C/O RANDOLPH BANCORP, INC. 10 CABOT PLACE STOUGHTON MA 02072
Dwyer Martie M.	officer: See Remarks	C/O RANDOLPH BANCORP, INC. 10 CABOT PLACE STOUGHTON MA 02072
Devlin Michael K	officer: See Remarks	C/O RANDOLPH BANCORP, INC. 10 CABOT PLACE STOUGHTON MA 02072
Thaxter Donna L.	officer: See Remarks	C/O RANDOLPH BANCORP, INC. 10 CABOT PLACE STOUGHTON MA 02072