BankFinancial Corporation (BFIN) — Defensive Interval Ratio
BankFinancial Corporation (BFIN) has a Defensive Interval Ratio of 158 days as of September 2025. Defensive assets of $542.02 Million (cash $-, short-term investments $537.50 Million, receivables $4.51 Million) cover 158 days of daily cash needs of $3.43 Million/day.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
BankFinancial Corporation Defensive Interval Ratio (2003–2024)
This chart shows how BankFinancial Corporation's Defensive Interval Ratio has evolved across 22 annual periods from 2003 to 2024. As of September 2025, the ratio stands at 158 days, meaning defensive assets of $542.02 Million can fund 158 days of operations without new revenue. For the complete balance sheet picture, see BFIN total asset value.
Annual Defensive Interval Ratio for BankFinancial Corporation (2003–2024)
The table below presents the year-by-year Defensive Interval Ratio for BankFinancial Corporation from 2003 to 2024, covering 22 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. See BankFinancial Corporation (BFIN) working capital ratio to evaluate short-term liquidity relative to the company's equity base.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2024 | 91 days | $302.24 Million | $3.34 Million/day | $- | $295.83 Million | ▲ +44 days |
| 2023 | 47 days | $160.75 Million | $3.46 Million/day | $- | $153.20 Million | ▼ -3882 days |
| 2022 | 3929 days | $217.68 Million | $55.41K/day | $- | $210.34 Million | ▲ +3907 days |
| 2021 | 22 days | $90.34 Million | $4.15 Million/day | $- | $85.69 Million | ▲ +15 days |
| 2020 | 7 days | $27.77 Million | $3.88 Million/day | $- | $23.83 Million | ▼ -11 days |
| 2019 | 18 days | $64.76 Million | $3.57 Million/day | $- | $60.19 Million | ▼ -7 days |
| 2018 | 25 days | $93.13 Million | $3.74 Million/day | $- | $88.18 Million | ▼ -2 days |
| 2017 | 26 days | $98.00 Million | $3.71 Million/day | $- | $93.38 Million | ▼ -4 days |
| 2016 | 30 days | $111.59 Million | $3.71 Million/day | $- | $107.21 Million | ▼ -5 days |
| 2015 | 35 days | $118.98 Million | $3.35 Million/day | $- | $114.75 Million | ▼ -1 days |
| 2014 | 37 days | $125.10 Million | $3.39 Million/day | $- | $121.17 Million | ▲ +4 days |
| 2013 | 33 days | $114.84 Million | $3.47 Million/day | $- | $110.91 Million | ▲ +10 days |
| 2012 | 23 days | $81.98 Million | $3.56 Million/day | $- | $77.83 Million | ▼ -4 days |
| 2011 | 27 days | $100.21 Million | $3.70 Million/day | $- | $92.83 Million | ▼ -34 days |
| 2010 | 61 days | $209.85 Million | $3.41 Million/day | $- | $202.71 Million | ▲ +30 days |
| 2009 | 31 days | $105.68 Million | $3.41 Million/day | $- | $87.84 Million | ▼ -14 days |
| 2008 | 45 days | $133.01 Million | $2.96 Million/day | $- | $124.92 Million | ▲ +17 days |
| 2007 | 28 days | $84.14 Million | $3.04 Million/day | $- | $77.05 Million | ▼ -9 days |
| 2006 | 37 days | $125.72 Million | $3.41 Million/day | $- | $117.85 Million | ▼ -49 days |
| 2005 | 86 days | $254.84 Million | $2.98 Million/day | $- | $248.24 Million | ▲ +83 days |
| 2004 | 2 days | $6.85 Million | $3.09 Million/day | $- | $1.43 Million | ▲ +1 days |
| 2003 | 1 days | $2.27 Million | $2.94 Million/day | $- | $2.27 Million | — |