Northfield Bancorp Inc (NFBK) — Defensive Interval Ratio
Northfield Bancorp Inc (NFBK) has a Defensive Interval Ratio of 215 days as of December 2025. Defensive assets of $1.43 Billion (cash $-, short-term investments $1.41 Billion, receivables $20.12 Million) cover 215 days of daily cash needs of $6.67 Million/day. See NFBK 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
Northfield Bancorp Inc Defensive Interval Ratio (1999–2025)
This chart shows how Northfield Bancorp Inc's Defensive Interval Ratio has evolved across 22 annual periods from 1999 to 2025. As of December 2025, the ratio stands at 215 days, meaning defensive assets of $1.43 Billion can fund 215 days of operations without new revenue. See Northfield Bancorp Inc (NFBK) net asset quality to measure how much of total assets are equity-financed.
Annual Defensive Interval Ratio for Northfield Bancorp Inc (1999–2025)
The table below presents the year-by-year Defensive Interval Ratio for Northfield Bancorp Inc from 1999 to 2025, covering 22 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 NFBK market cap overview.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 215 days | $1.43 Billion | $6.67 Million/day | $- | $1.41 Billion | ▲ +116 days |
| 2024 | 99 days | $1.12 Billion | $11.34 Million/day | $- | $1.10 Billion | ▼ -689 days |
| 2023 | 788 days | $813.96 Million | $1.03 Million/day | $- | $795.46 Million | ▲ +648 days |
| 2022 | 140 days | $969.60 Million | $6.94 Million/day | $- | $952.17 Million | ▼ -27 days |
| 2021 | 166 days | $1.22 Billion | $7.35 Million/day | $- | $1.21 Billion | ▼ -21 days |
| 2020 | 187 days | $1.28 Billion | $6.84 Million/day | $- | $1.26 Billion | ▲ +67 days |
| 2019 | 120 days | $1.15 Billion | $9.63 Million/day | $- | $1.14 Billion | ▼ -54 days |
| 2018 | 174 days | $820.99 Million | $4.72 Million/day | $- | $808.03 Million | ▲ +70 days |
| 2017 | 104 days | $525.83 Million | $5.05 Million/day | $- | $515.12 Million | ▼ -228 days |
| 2016 | 332 days | $508.61 Million | $1.53 Million/day | $- | $498.90 Million | ▼ -16797 days |
| 2015 | 17129 days | $549.86 Million | $32.10K/day | $- | $541.60 Million | ▼ -7647 days |
| 2014 | 24776 days | $779.25 Million | $31.45K/day | $- | $771.24 Million | ▲ +24572 days |
| 2013 | 204 days | $945.22 Million | $4.63 Million/day | $- | $937.09 Million | ▼ -9 days |
| 2012 | 213 days | $1.28 Billion | $6.03 Million/day | $- | $1.28 Billion | ▼ -13 days |
| 2011 | 226 days | $1.11 Billion | $4.89 Million/day | $- | $1.10 Billion | ▲ +217 days |
| 2010 | 9 days | $41.86 Million | $4.66 Million/day | $- | $33.99 Million | ▼ -1 days |
| 2009 | 10 days | $40.41 Million | $4.19 Million/day | $- | $32.36 Million | ▼ -22 days |
| 2008 | 31 days | $103.09 Million | $3.31 Million/day | $- | $94.77 Million | ▲ +12 days |
| 2007 | 19 days | $47.91 Million | $2.46 Million/day | $- | $42.31 Million | ▼ -3 days |
| 2006 | 23 days | $63.16 Million | $2.77 Million/day | $- | $57.53 Million | ▲ +10 days |
| 2005 | 12 days | $35.17 Million | $2.84 Million/day | $- | $29.52 Million | ▼ -324 days |
| 1999 | 336 days | $8.20 Million | $24.38K/day | $- | $7.95 Million | — |