Pioneer Bancorp Inc (PBFS) — 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. Check PBFS intangible-adjusted equity ratio to evaluate the tangible quality of the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Pioneer Bancorp Inc Defensive Interval Ratio (2017–2025)
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. Also explore PBFS year-over-year net asset growth to track the company's year-over-year net asset growth rate.
Annual Defensive Interval Ratio for Pioneer Bancorp Inc (2017–2025)
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 live market cap and the full company financial profile, see market cap of Pioneer Bancorp Inc.
| 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 | — |