First Financial Bancorp (FFBC) — Defensive Interval Ratio
First Financial Bancorp (FFBC) has a Defensive Interval Ratio of 98 days as of September 2025. Defensive assets of $4.57 Billion (cash $-, short-term investments $3.97 Billion, receivables $597.34 Million) cover 98 days of daily cash needs of $46.84 Million/day. See FFBC net working capital ratio to evaluate short-term liquidity relative to the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
First Financial Bancorp Defensive Interval Ratio (1993–2025)
This chart shows how First Financial Bancorp's Defensive Interval Ratio has evolved across 33 annual periods from 1993 to 2025. As of September 2025, the ratio stands at 98 days, meaning defensive assets of $4.57 Billion can fund 98 days of operations without new revenue. See debt-free asset ratio of First Financial Bancorp to measure how much of total assets are equity-financed.
Annual Defensive Interval Ratio for First Financial Bancorp (1993–2025)
The table below presents the year-by-year Defensive Interval Ratio for First Financial Bancorp from 1993 to 2025, covering 33 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 market cap of First Financial Bancorp.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 98 days | $4.57 Billion | $46.84 Million/day | $- | $3.97 Billion | ▲ +24 days |
| 2024 | 74 days | $3.04 Billion | $41.33 Million/day | $- | $2.46 Billion | ▼ -15 days |
| 2023 | 89 days | $3.48 Billion | $39.17 Million/day | $- | $3.02 Billion | ▼ -2 days |
| 2022 | 91 days | $3.64 Billion | $40.04 Million/day | $- | $3.41 Billion | ▼ -24 days |
| 2021 | 115 days | $4.32 Billion | $37.49 Million/day | $- | $4.21 Billion | ▲ +16 days |
| 2020 | 99 days | $3.50 Billion | $35.38 Million/day | $- | $3.42 Billion | ▲ +8 days |
| 2019 | 91 days | $2.94 Billion | $32.46 Million/day | $- | $2.85 Billion | ▼ -2 days |
| 2018 | 92 days | $2.87 Billion | $31.06 Million/day | $- | $2.78 Billion | ▲ +26 days |
| 2017 | 67 days | $1.44 Billion | $21.50 Million/day | $- | $1.35 Billion | ▲ +11 days |
| 2016 | 55 days | $1.13 Billion | $20.42 Million/day | $- | $1.04 Billion | ▼ -9 days |
| 2015 | 65 days | $1.28 Billion | $19.78 Million/day | $- | $1.19 Billion | ▲ +13 days |
| 2014 | 52 days | $918.03 Million | $17.56 Million/day | $- | $840.47 Million | ▼ -24 days |
| 2013 | 76 days | $1.20 Billion | $15.69 Million/day | $- | $913.60 Million | ▼ -4 days |
| 2012 | 81 days | $1.28 Billion | $15.83 Million/day | $- | $1.03 Billion | ▼ -22 days |
| 2011 | 102 days | $1.70 Billion | $16.68 Million/day | $- | $1.44 Billion | ▲ +70 days |
| 2010 | 32 days | $477.34 Million | $14.80 Million/day | $- | $176.95 Million | ▼ -1 days |
| 2009 | 33 days | $503.29 Million | $15.29 Million/day | $- | $262.02 Million | ▲ +17 days |
| 2008 | 16 days | $140.84 Million | $8.68 Million/day | $- | $- | ▼ -12 days |
| 2007 | 29 days | $237.06 Million | $8.29 Million/day | $- | $106.99 Million | ▼ -2 days |
| 2006 | 30 days | $240.99 Million | $8.00 Million/day | $- | $102.00 Million | ▲ +3 days |
| 2005 | 27 days | $225.54 Million | $8.42 Million/day | $- | $98.00 Million | ▲ +12 days |
| 2004 | 15 days | $125.24 Million | $8.46 Million/day | $- | $12.97 Million | ▲ +2 days |
| 2003 | 13 days | $113.48 Million | $8.87 Million/day | $- | $5.62 Million | ▼ -2 days |
| 2002 | 15 days | $124.31 Million | $8.36 Million/day | $- | $32.77 Million | ▲ +3 days |
| 2001 | 12 days | $104.91 Million | $8.79 Million/day | $- | $17.05 Million | ▲ +1 days |
| 2000 | 10 days | $95.28 Million | $9.13 Million/day | $- | $7.29 Million | ▲ +3 days |
| 1999 | 8 days | $73.80 Million | $9.78 Million/day | $- | $- | ▲ +1 days |
| 1998 | 6 days | $52.00 Million | $8.38 Million/day | $- | $- | ▼ 0 days |
| 1997 | 6 days | $40.60 Million | $6.33 Million/day | $- | $- | ▼ -1 days |
| 1996 | 7 days | $41.00 Million | $5.47 Million/day | $- | $- | ▲ +2 days |
| 1995 | 6 days | $30.60 Million | $5.11 Million/day | $- | $- | ▼ 0 days |
| 1994 | 6 days | $29.00 Million | $4.73 Million/day | $- | $- | ▼ 0 days |
| 1993 | 6 days | $26.10 Million | $4.16 Million/day | $- | $- | — |