Orrstown Financial Services Inc (ORRF) — Defensive Interval Ratio
Orrstown Financial Services Inc (ORRF) has a Defensive Interval Ratio of 397 days as of December 2025. Defensive assets of $974.21 Million (cash $-, short-term investments $952.74 Million, receivables $21.47 Million) cover 397 days of daily cash needs of $2.45 Million/day. See working capital position of Orrstown Financial Services Inc to evaluate short-term liquidity relative to the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Orrstown Financial Services Inc Defensive Interval Ratio (1994–2025)
This chart shows how Orrstown Financial Services Inc's Defensive Interval Ratio has evolved across 32 annual periods from 1994 to 2025. As of December 2025, the ratio stands at 397 days, meaning defensive assets of $974.21 Million can fund 397 days of operations without new revenue. See ORRF net asset quality index to measure how much of total assets are equity-financed.
Annual Defensive Interval Ratio for Orrstown Financial Services Inc (1994–2025)
The table below presents the year-by-year Defensive Interval Ratio for Orrstown Financial Services Inc from 1994 to 2025, covering 32 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 Orrstown Financial Services Inc market capitalisation.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 388 days | $952.74 Million | $2.45 Million/day | $- | $952.74 Million | ▲ +322 days |
| 2024 | 67 days | $850.77 Million | $12.74 Million/day | $- | $829.71 Million | ▼ -8 days |
| 2023 | 75 days | $527.15 Million | $7.04 Million/day | $- | $513.52 Million | ▼ -3022 days |
| 2022 | 3097 days | $524.75 Million | $169.45K/day | $- | $513.73 Million | ▼ -1201 days |
| 2021 | 4298 days | $480.67 Million | $111.84K/day | $- | $472.44 Million | ▼ -265 days |
| 2020 | 4563 days | $475.39 Million | $104.19K/day | $- | $466.46 Million | ▲ +4474 days |
| 2019 | 89 days | $496.43 Million | $5.59 Million/day | $- | $490.39 Million | ▼ -16 days |
| 2018 | 105 days | $471.77 Million | $4.51 Million/day | $- | $465.84 Million | ▼ -11 days |
| 2017 | 115 days | $420.36 Million | $3.64 Million/day | $- | $415.31 Million | ▼ -2 days |
| 2016 | 118 days | $404.83 Million | $3.44 Million/day | $- | $400.15 Million | ▼ -10 days |
| 2015 | 128 days | $397.97 Million | $3.11 Million/day | $- | $394.12 Million | ▼ -4 days |
| 2014 | 132 days | $379.30 Million | $2.87 Million/day | $- | $376.20 Million | ▼ -8 days |
| 2013 | 140 days | $410.34 Million | $2.93 Million/day | $- | $406.94 Million | ▲ +39 days |
| 2012 | 101 days | $305.16 Million | $3.03 Million/day | $- | $301.97 Million | ▲ +10 days |
| 2011 | 90 days | $314.91 Million | $3.49 Million/day | $- | $310.37 Million | ▲ +88 days |
| 2010 | 2 days | $8.44 Million | $3.52 Million/day | $- | $2.73 Million | ▼ -2 days |
| 2009 | 4 days | $10.99 Million | $2.80 Million/day | $- | $6.39 Million | ▼ -50 days |
| 2008 | 54 days | $124.62 Million | $2.30 Million/day | $- | $120.64 Million | ▲ +6 days |
| 2007 | 48 days | $93.86 Million | $1.95 Million/day | $- | $90.37 Million | ▲ +36 days |
| 2006 | 12 days | $22.58 Million | $1.88 Million/day | $- | $19.30 Million | ▼ -9 days |
| 2005 | 21 days | $29.04 Million | $1.37 Million/day | $- | $26.88 Million | ▲ +12 days |
| 2004 | 9 days | $11.29 Million | $1.23 Million/day | $- | $9.52 Million | ▲ +3 days |
| 2003 | 6 days | $6.48 Million | $1.08 Million/day | $- | $4.83 Million | ▼ -5 days |
| 2002 | 11 days | $10.92 Million | $1.02 Million/day | $- | $9.31 Million | ▼ -18 days |
| 2001 | 28 days | $26.57 Million | $938.54K/day | $- | $25.03 Million | ▲ +26 days |
| 2000 | 3 days | $2.02 Million | $781.45K/day | $- | $- | ▼ 0 days |
| 1999 | 3 days | $1.60 Million | $603.33K/day | $- | $- | ▲ +0 days |
| 1998 | 2 days | $1.24 Million | $531.27K/day | $- | $- | ▼ -1 days |
| 1997 | 3 days | $1.30 Million | $447.69K/day | $- | $- | ▲ +0 days |
| 1996 | 2 days | $929.00K | $381.81K/day | $- | $- | ▼ 0 days |
| 1995 | 3 days | $993.00K | $353.48K/day | $- | $- | ▲ +0 days |
| 1994 | 2 days | $733.00K | $296.72K/day | $- | $- | — |