Pioneer Bancorp Inc Defensive Interval Ratio
Pioneer Bancorp Inc defensive interval ratio. Pioneer Bancorp Inc (PBFS) has a Defensive Interval Ratio of 359 days as of September 2025. Defensive assets of $1.87 Billion (cash $-, short-term investments $254.51 Million, receivables $1.61 Billion) cover 359 days of daily cash needs of $5.20 Million/day. See working capital position of Pioneer Bancorp Inc to evaluate short-term liquidity relative to the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Defensive Interval Ratio of Pioneer Bancorp Inc (2017–2025)
Defensive interval ratio of Pioneer Bancorp Inc from 2017 to 2025. This chart shows how Pioneer Bancorp Inc's Defensive Interval Ratio has evolved across 9 annual periods from 2017 to 2025. As of September 2025, the ratio stands at 359 days, meaning defensive assets of $1.87 Billion can fund 359 days of operations without new revenue. Check Pioneer Bancorp Inc (PBFS) asset resilience to evaluate the company's liquid asset resilience ratio.
Pioneer Bancorp Inc Defensive Interval Ratio by Year (2017–2025)
Pioneer Bancorp Inc defensive interval ratio by year from 2017 to 2025. The table below presents the year-by-year Defensive Interval Ratio for Pioneer Bancorp Inc from 2017 to 2025, covering 9 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 the complete balance sheet picture, see Pioneer Bancorp Inc total assets.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 62 days | $296.92 Million | $4.80 Million/day | $- | $288.22 Million | ▼ 0 days |
| 2024 | 62 days | $264.97 Million | $4.27 Million/day | $- | $257.41 Million | ▼ -41 days |
| 2023 | 103 days | $438.86 Million | $4.25 Million/day | $- | $431.67 Million | ▼ -2 days |
| 2022 | 105 days | $486.41 Million | $4.62 Million/day | $- | $481.79 Million | ▲ +42 days |
| 2021 | 64 days | $268.65 Million | $4.21 Million/day | $- | $264.60 Million | ▲ +41 days |
| 2020 | 23 days | $79.23 Million | $3.52 Million/day | $- | $75.77 Million | ▼ -2 days |
| 2019 | 25 days | $91.07 Million | $3.66 Million/day | $- | $86.69 Million | ▼ -4 days |
| 2018 | 29 days | $91.92 Million | $3.17 Million/day | $- | $88.06 Million | ▼ -2 days |
| 2017 | 31 days | $85.23 Million | $2.78 Million/day | $- | $81.97 Million | — |