Oneida Financial (Oneida Financial) Cash-to-Debt : No Debt ⁽¹⁾ (As of Sep. 2015)

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What is Oneida 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. Oneida Financial's cash to debt ratio for the quarter that ended in Sep. 2015 was No Debt ⁽¹⁾.

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, Oneida Financial could pay off its debt using the cash in hand for the quarter that ended in Sep. 2015.

(1) 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.

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

ONFC's Cash-to-Debt is not ranked ^*
in the Banks industry.
Industry Median: 1.295
* Ranked among companies with meaningful Cash-to-Debt only.

Oneida Financial Cash-to-Debt Historical Data

The historical data trend for Oneida 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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Oneida Financial Cash-to-Debt Chart

Oneida Financial Annual Data

Trend

Dec05

Dec06

Dec07

Dec08

Dec09

Dec10

Dec11

Dec12

Dec13

Dec14

Cash-to-Debt

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1.30

2.08

2.75

27.94

No Debt

Oneida Financial Quarterly Data
	Dec10	Mar11	Jun11	Sep11	Dec11	Mar12	Jun12	Sep12	Dec12	Mar13	Jun13	Sep13	Dec13	Mar14	Jun14	Sep14	Dec14	Mar15	Jun15	Sep15
Cash-to-Debt	Get a 7-Day Free Trial															No Debt	No Debt	No Debt	No Debt	No Debt

Competitive Comparison of Oneida Financial's Cash-to-Debt

For the Banks - Regional subindustry, Oneida 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.

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

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

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

Oneida 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.

Oneida Financial's Cash to Debt Ratio for the fiscal year that ended in Dec. 2014 is calculated as:

Oneida Financial had no debt ⁽¹⁾.

Oneida Financial's Cash to Debt Ratio for the quarter that ended in Sep. 2015 is calculated as:

Oneida Financial had no debt ⁽¹⁾.

Oneida Financial (NAS:ONFC) 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.

Oneida Financial Cash-to-Debt Related Terms

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

Oneida Financial (Oneida Financial) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Oneida Financial Corp (NAS:ONFC) » Definitions » Cash-to-Debt

Comparable Companies

Traded in Other Exchanges

N/A

Address

Website

http://www.oneidafinancial.com

Oneida Financial Corp is a Maryland corporation. The Company is the holding Company of The Oneida Savings Bank, a New York-chartered savings bank. Oneida Savings Bank's deposits are insured by the FDIC up to the maximum amount permitted by law. The Bank is a community bank engaged in the business of accepting deposits from customers through its main office and 10 full service branch offices and using those deposits, together with funds generated from operations and borrowings to make one-to-four family residential and commercial real estate loans, consumer loans and commercial business loans and to invest in mortgage-backed and other securities. Municipal deposit banking services are provided through a limited purpose commercial bank subsidiary, The State Bank of Chittenango. The Bank also sells insurance and other commercial services and products, provides employee benefit services and offers risk management services to help mitigate and prevent work related injuries through Bailey & Haskell Associates, Inc., a wholly owned subsidiary, and provides financial and investment advisory services through Oneida Wealth Management Inc., a wholly owned subsidiary. Its deposit accounts consist of savings, interest-bearing demand accounts, non-interest-bearing checking accounts, money market accounts and certificates of deposit. It also offers IRAs and other qualified plan accounts. Its primary lending area is Madison and Oneida Counties in New York and the surrounding counties and its deposit customers reside in the same area. It competes with commercial banks, savings institutions, mortgage banking firms, credit unions, finance companies, mutual funds, insurance companies, and brokerage and investment banking firms operating locally and elsewhere. The Company subject to extensive regulation, supervision and examination by the Federal Deposit Insurance Corporation, the New York State Department of Financial Services and the Federal Reserve Board.

Executives

R Kallet Michael	director, officer: Chairman and CEO	182 MAIN STREET, ONEIDA NY 13421
Eric Stickels	director, officer: President and COO	182 MAIN STREET, ONEIDA NY 13421