First Berlin Bancorp (First Berlin Bancorp) Cash-to-Debt : 0.53 (As of Mar. 2024)

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What is First Berlin 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. First Berlin Bancorp's cash to debt ratio for the quarter that ended in Mar. 2024 was 0.53.

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, First Berlin Bancorp couldn't pay off its debt using the cash in hand for the quarter that ended in Mar. 2024.

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

FTFI' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.53 Med: 1.47 Max: 5.45
Current: 0.53

During the past 3 years, First Berlin Bancorp's highest Cash to Debt Ratio was 5.45. The lowest was 0.53. And the median was 1.47.

FTFI's Cash-to-Debt is ranked worse than
72.59% of 1423 companies
in the Banks industry
Industry Median: 1.3 vs FTFI: 0.53

First Berlin Bancorp Cash-to-Debt Historical Data

The historical data trend for First Berlin 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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First Berlin Bancorp Cash-to-Debt Chart

First Berlin Bancorp Annual Data

Trend

Dec21

Dec22

Dec23

Cash-to-Debt

5.45

4.14

2.17

First Berlin Bancorp Quarterly Data
	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24
Cash-to-Debt	Get a 7-Day Free Trial						0.77	0.67	0.54	2.17	0.53

Competitive Comparison of First Berlin Bancorp's Cash-to-Debt

For the Banks - Regional subindustry, First Berlin 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.

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

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

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

First Berlin 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.

First Berlin 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)
	=	66.779	/	(0	+	30.849)
	=	2.16

First Berlin Bancorp's Cash to Debt Ratio for the quarter that ended in Mar. 2024 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)
	=	40.278	/	(0	+	75.645)
	=	0.53

First Berlin Bancorp (OTCPK:FTFI) 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.

First Berlin Bancorp Cash-to-Debt Related Terms

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First Berlin Bancorp (First Berlin Bancorp) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » First Berlin Bancorp Inc (OTCPK:FTFI) » Definitions » Cash-to-Debt

Comparable Companies

Traded in Other Exchanges

N/A

Address

140 W Huron Street, Berlin, WI, USA, 54923

Website

https://www.fortifibank.com

First Berlin Bancorp Inc provides a full range of banking products and services to businesses and consumers through a nine-branch network ranging from south-central to northeast Wisconsin. Some of its services include Checking Accounts; Personal, Home and Auto Loans; Treasury Management; Online and Mobile Banking, and others.

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