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.
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. For the complete balance sheet picture, see First Financial Bancorp balance sheet assets.
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. See FFBC working capital efficiency 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) |
|---|---|---|---|---|---|---|
| 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 | $- | $- | — |