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. Check CARV intangible-adjusted equity ratio to evaluate the tangible quality of 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. Also explore CARV net asset momentum to track the company's year-over-year net asset growth rate.
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 cap and net worth.
| 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 | $- | $- | — |