Finwise Bancorp (FINW) — Defensive Interval Ratio
Finwise Bancorp (FINW) has a Defensive Interval Ratio of 2436 days as of December 2025. Defensive assets of $35.01 Million (cash $-, short-term investments $27.75 Million, receivables $7.25 Million) cover 2436 days of daily cash needs of $14.37K/day.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Finwise Bancorp Defensive Interval Ratio (2019–2025)
This chart shows how Finwise Bancorp's Defensive Interval Ratio has evolved across 7 annual periods from 2019 to 2025. As of December 2025, the ratio stands at 2436 days, meaning defensive assets of $35.01 Million can fund 2436 days of operations without new revenue. For the complete balance sheet picture, see FINW total assets.
Annual Defensive Interval Ratio for Finwise Bancorp (2019–2025)
The table below presents the year-by-year Defensive Interval Ratio for Finwise Bancorp from 2019 to 2025, 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 working capital to net assets of Finwise Bancorp 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 | 2436 days | $35.01 Million | $14.37K/day | $- | $27.75 Million | ▲ +2379 days |
| 2024 | 57 days | $85.69 Million | $1.50 Million/day | $- | $3.10 Million | ▼ -116 days |
| 2023 | 173 days | $193.01 Million | $1.12 Million/day | $- | $148.93 Million | ▲ +149 days |
| 2022 | 24 days | $15.87 Million | $665.90K/day | $- | $4.80 Million | ▲ +5 days |
| 2021 | 19 days | $12.97 Million | $690.88K/day | $- | $11.42 Million | ▲ +15 days |
| 2020 | 4 days | $1.63 Million | $453.10K/day | $- | $- | ▲ +1 days |
| 2019 | 2 days | $943.00K | $389.74K/day | $- | $- | — |