Cullman Bancorp Inc. (CULL) — Defensive Interval Ratio
Cullman Bancorp Inc. (CULL) has a Defensive Interval Ratio of 32 days as of March 2025. Defensive assets of $24.62 Million (cash $-, short-term investments $23.25 Million, receivables $1.38 Million) cover 32 days of daily cash needs of $770.25K/day.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Cullman Bancorp Inc. Defensive Interval Ratio (2010–2024)
This chart shows how Cullman Bancorp Inc.'s Defensive Interval Ratio has evolved across 7 annual periods from 2010 to 2024. As of March 2025, the ratio stands at 32 days, meaning defensive assets of $24.62 Million can fund 32 days of operations without new revenue. For the complete balance sheet picture, see Cullman Bancorp Inc. asset portfolio.
Annual Defensive Interval Ratio for Cullman Bancorp Inc. (2010–2024)
The table below presents the year-by-year Defensive Interval Ratio for Cullman Bancorp Inc. from 2010 to 2024, covering 7 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 CULL net 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 | 82 days | $24.44 Million | $298.88K/day | $- | $23.10 Million | ▼ -45148 days |
| 2023 | 45229 days | $29.62 Million | $654.79/day | $- | $28.36 Million | ▲ +45191 days |
| 2022 | 39 days | $30.96 Million | $803.02K/day | $- | $29.80 Million | ▲ +4 days |
| 2021 | 35 days | $22.09 Million | $635.84K/day | $- | $21.31 Million | ▲ +1 days |
| 2020 | 33 days | $19.88 Million | $594.69K/day | $- | $18.88 Million | ▲ +11 days |
| 2011 | 23 days | $8.54 Million | $378.48K/day | $- | $7.48 Million | ▲ +19 days |
| 2010 | 4 days | $1.33 Million | $373.70K/day | $- | $174.00K | — |