Carver Bancorp Inc (CARV) — Defensive Interval Ratio
Carver Bancorp Inc (CARV) has a Defensive Interval Ratio of 1244 days as of September 2025. Defensive assets of $25.66 Million (cash $-, short-term investments $22.57 Million, receivables $3.09 Million) cover 1244 days of daily cash needs of $20.63K/day. See CARV current assets to equity ratio to evaluate short-term liquidity relative to the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Carver Bancorp Inc Defensive Interval Ratio (1995–2025)
This chart shows how Carver Bancorp Inc's Defensive Interval Ratio has evolved across 31 annual periods from 1995 to 2025. As of September 2025, the ratio stands at 1244 days, meaning defensive assets of $25.66 Million can fund 1244 days of operations without new revenue. See CARV equity financing ratio to measure how much of total assets are equity-financed.
Annual Defensive Interval Ratio for Carver Bancorp Inc (1995–2025)
The table below presents the year-by-year Defensive Interval Ratio for Carver Bancorp Inc from 1995 to 2025, covering 31 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For live market cap and the full company financial profile, see Carver Bancorp Inc market capitalisation.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 26 days | $46.66 Million | $1.81 Million/day | $- | $43.68 Million | ▼ -3 days |
| 2024 | 29 days | $51.69 Million | $1.77 Million/day | $- | $48.03 Million | ▼ -5 days |
| 2023 | 34 days | $55.75 Million | $1.65 Million/day | $- | $53.84 Million | ▼ -7 days |
| 2022 | 41 days | $70.01 Million | $1.72 Million/day | $- | $67.60 Million | ▼ -18 days |
| 2021 | 58 days | $89.15 Million | $1.52 Million/day | $- | $86.51 Million | ▲ +8 days |
| 2020 | 51 days | $67.88 Million | $1.34 Million/day | $- | $65.83 Million | ▼ -53023 days |
| 2019 | 53073 days | $81.86 Million | $1.54K/day | $- | $79.84 Million | ▲ +53034 days |
| 2018 | 39 days | $62.73 Million | $1.61 Million/day | $- | $60.71 Million | ▲ +3 days |
| 2017 | 36 days | $60.59 Million | $1.70 Million/day | $- | $59.01 Million | ▲ +0 days |
| 2016 | 35 days | $58.60 Million | $1.66 Million/day | $- | $56.18 Million | ▼ -36 days |
| 2015 | 71 days | $102.98 Million | $1.45 Million/day | $- | $100.20 Million | ▲ +5 days |
| 2014 | 66 days | $92.02 Million | $1.40 Million/day | $- | $89.46 Million | ▼ -21 days |
| 2013 | 87 days | $118.30 Million | $1.36 Million/day | $- | $116.05 Million | ▲ +27 days |
| 2012 | 60 days | $87.36 Million | $1.46 Million/day | $- | $85.11 Million | ▲ +23 days |
| 2011 | 37 days | $56.41 Million | $1.54 Million/day | $- | $53.55 Million | ▲ +34 days |
| 2010 | 3 days | $4.37 Million | $1.65 Million/day | $- | $833.00K | ▼ -3 days |
| 2009 | 5 days | $8.79 Million | $1.65 Million/day | $- | $5.09 Million | ▼ -3 days |
| 2008 | 9 days | $15.51 Million | $1.79 Million/day | $- | $11.45 Million | ▲ +4 days |
| 2007 | 4 days | $7.07 Million | $1.69 Million/day | $- | $2.73 Million | ▼ -5 days |
| 2006 | 9 days | $12.27 Million | $1.38 Million/day | $- | $9.30 Million | ▲ +1 days |
| 2005 | 8 days | $10.10 Million | $1.24 Million/day | $- | $7.40 Million | ▼ -5 days |
| 2004 | 13 days | $13.69 Million | $1.02 Million/day | $- | $11.20 Million | ▲ +5 days |
| 2003 | 9 days | $8.85 Million | $1.00 Million/day | $- | $5.50 Million | ▼ -12 days |
| 2002 | 21 days | $23.90 Million | $1.14 Million/day | $- | $21.10 Million | ▼ -4 days |
| 2001 | 25 days | $26.24 Million | $1.05 Million/day | $- | $23.70 Million | ▲ +11 days |
| 2000 | 13 days | $13.95 Million | $1.04 Million/day | $- | $11.30 Million | ▲ +10 days |
| 1999 | 3 days | $2.90 Million | $978.90K/day | $- | $- | ▲ +0 days |
| 1998 | 3 days | $2.80 Million | $1.09 Million/day | $- | $- | ▼ 0 days |
| 1997 | 3 days | $3.00 Million | $1.06 Million/day | $- | $- | ▼ 0 days |
| 1996 | 3 days | $2.70 Million | $862.74K/day | $- | $- | ▲ +0 days |
| 1995 | 3 days | $2.70 Million | $901.37K/day | $- | $- | — |