Financial Institutions Inc (FISI) — Defensive Interval Ratio
Financial Institutions Inc (FISI) has a Defensive Interval Ratio of 3628 days as of December 2025. Defensive assets of $922.47 Million (cash $-, short-term investments $922.47 Million, receivables $-) cover 3628 days of daily cash needs of $254.29K/day. For the complete balance sheet picture, see FISI current and non-current assets.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Financial Institutions Inc Defensive Interval Ratio (2000–2025)
This chart shows how Financial Institutions Inc's Defensive Interval Ratio has evolved across 25 annual periods from 2000 to 2025. As of December 2025, the ratio stands at 3628 days, meaning defensive assets of $922.47 Million can fund 3628 days of operations without new revenue. Check Financial Institutions Inc asset resilience ratio to evaluate the company's liquid asset resilience ratio.
Annual Defensive Interval Ratio for Financial Institutions Inc (2000–2025)
The table below presents the year-by-year Defensive Interval Ratio for Financial Institutions Inc from 2000 to 2025, covering 25 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 3089 days | $922.47 Million | $298.63K/day | $- | $922.47 Million | ▲ +3087 days |
| 2024 | 2 days | $23.76 Million | $14.33 Million/day | $- | $8.00K | ▼ -60 days |
| 2023 | 61 days | $912.21 Million | $14.84 Million/day | $- | $887.73 Million | ▼ -8 days |
| 2022 | 69 days | $973.74 Million | $14.08 Million/day | $- | $954.37 Million | ▼ -838159 days |
| 2021 | 838228 days | $1.24 Billion | $1.47K/day | $- | $1.18 Billion | ▲ +792608 days |
| 2020 | 45620 days | $662.43 Million | $14.52K/day | $- | $628.06 Million | ▲ +45066 days |
| 2019 | 554 days | $417.92 Million | $754.79K/day | $- | $417.92 Million | ▲ +207 days |
| 2018 | 346 days | $445.68 Million | $1.29 Million/day | $- | $445.68 Million | ▼ -83 days |
| 2017 | 429 days | $524.97 Million | $1.22 Million/day | $- | $524.97 Million | ▼ -165 days |
| 2016 | 594 days | $539.93 Million | $908.22K/day | $- | $539.93 Million | ▼ -83 days |
| 2015 | 678 days | $544.39 Million | $803.01K/day | $- | $544.39 Million | ▲ +596 days |
| 2014 | 82 days | $622.49 Million | $7.63 Million/day | $- | $622.49 Million | ▼ -2 days |
| 2013 | 84 days | $609.40 Million | $7.28 Million/day | $- | $609.40 Million | ▼ -39 days |
| 2012 | 123 days | $823.80 Million | $6.69 Million/day | $- | $823.80 Million | ▲ +13 days |
| 2011 | 110 days | $627.52 Million | $5.70 Million/day | $- | $627.52 Million | ▼ -17 days |
| 2010 | 127 days | $681.11 Million | $5.37 Million/day | $- | $681.11 Million | ▲ +9 days |
| 2009 | 118 days | $580.50 Million | $4.94 Million/day | $- | $580.50 Million | ▼ -3 days |
| 2008 | 121 days | $547.51 Million | $4.54 Million/day | $- | $547.51 Million | ▼ -38 days |
| 2007 | 158 days | $695.24 Million | $4.39 Million/day | $- | $695.24 Million | ▼ -4 days |
| 2006 | 163 days | $735.15 Million | $4.52 Million/day | $- | $735.15 Million | ▼ -2 days |
| 2005 | 165 days | $790.86 Million | $4.80 Million/day | $- | $790.86 Million | ▲ +24 days |
| 2004 | 141 days | $717.18 Million | $5.08 Million/day | $- | $717.18 Million | ▲ +133 days |
| 2003 | 8 days | $40.01 Million | $5.12 Million/day | $- | $40.01 Million | ▲ +8 days |
| 2001 | 0 days | $1.00 Million | $4.21 Million/day | $- | $1.00 Million | ▼ 0 days |
| 2000 | 0 days | $1.10 Million | $3.08 Million/day | $- | $1.10 Million | — |