Pathfinder Bancorp Inc Defensive Interval Ratio
Pathfinder Bancorp Inc defensive interval ratio. Pathfinder Bancorp Inc (PBHC) has a Defensive Interval Ratio of 1088 days as of June 2026. Defensive assets of $372.66 Million (cash $-, short-term investments $366.15 Million, receivables $6.51 Million) cover 1088 days of daily cash needs of $342.47K/day. See Pathfinder Bancorp Inc working capital to net assets 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 Pathfinder Bancorp Inc (1996–2025)
Defensive interval ratio of Pathfinder Bancorp Inc from 1996 to 2025. This chart shows how Pathfinder Bancorp Inc's Defensive Interval Ratio has evolved across 30 annual periods from 1996 to 2025. As of June 2026, the ratio stands at 1088 days, meaning defensive assets of $372.66 Million can fund 1088 days of operations without new revenue. Check PBHC asset resilience ratio to evaluate the company's liquid asset resilience ratio.
Pathfinder Bancorp Inc Defensive Interval Ratio by Year (1996–2025)
Pathfinder Bancorp Inc defensive interval ratio by year from 1996 to 2025. The table below presents the year-by-year Defensive Interval Ratio for Pathfinder Bancorp Inc from 1996 to 2025, covering 30 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 Pathfinder Bancorp Inc assets under control.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 9543 days | $1.15 Billion | $120.55K/day | $- | $276.81 Million | ▲ +9463 days |
| 2024 | 80 days | $276.21 Million | $3.47 Million/day | $- | $269.33 Million | ▲ +2 days |
| 2023 | 78 days | $266.00 Million | $3.42 Million/day | $- | $258.72 Million | ▲ +17 days |
| 2022 | 61 days | $197.89 Million | $3.25 Million/day | $- | $191.73 Million | ▼ -6 days |
| 2021 | 67 days | $195.12 Million | $2.93 Million/day | $- | $190.60 Million | ▲ +18 days |
| 2020 | 48 days | $132.81 Million | $2.74 Million/day | $- | $128.26 Million | ▲ +2 days |
| 2019 | 46 days | $114.85 Million | $2.49 Million/day | $- | $111.13 Million | ▼ -40 days |
| 2018 | 86 days | $180.73 Million | $2.10 Million/day | $- | $177.66 Million | ▲ +2 days |
| 2017 | 84 days | $174.19 Million | $2.07 Million/day | $- | $171.14 Million | ▲ +4 days |
| 2016 | 81 days | $144.49 Million | $1.79 Million/day | $- | $141.96 Million | ▲ +9 days |
| 2015 | 72 days | $101.00 Million | $1.41 Million/day | $- | $98.94 Million | ▲ +2 days |
| 2014 | 70 days | $89.92 Million | $1.29 Million/day | $- | $88.07 Million | ▲ +0 days |
| 2013 | 69 days | $82.67 Million | $1.19 Million/day | $- | $80.96 Million | ▼ -31 days |
| 2012 | 100 days | $110.06 Million | $1.10 Million/day | $- | $108.34 Million | ▼ -2 days |
| 2011 | 102 days | $102.08 Million | $1.00 Million/day | $- | $100.39 Million | ▲ +8 days |
| 2010 | 94 days | $87.04 Million | $930.55K/day | $- | $85.33 Million | ▲ +84 days |
| 2009 | 9 days | $7.43 Million | $813.26K/day | $- | $5.95 Million | ▲ +7 days |
| 2008 | 3 days | $1.99 Million | $786.34K/day | $- | $313.00K | ▼ 0 days |
| 2007 | 3 days | $1.98 Million | $738.32K/day | $- | $305.00K | ▼ -10 days |
| 2006 | 12 days | $8.35 Million | $672.84K/day | $- | $6.66 Million | ▲ +9 days |
| 2005 | 3 days | $2.26 Million | $653.09K/day | $- | $586.00K | ▼ -10 days |
| 2004 | 14 days | $9.09 Million | $651.16K/day | $- | $7.58 Million | ▲ +7 days |
| 2003 | 7 days | $4.18 Million | $572.59K/day | $- | $2.91 Million | ▼ -7 days |
| 2002 | 14 days | $8.05 Million | $560.33K/day | $- | $6.71 Million | ▲ +7 days |
| 2001 | 8 days | $3.63 Million | $464.63K/day | $- | $2.16 Million | ▲ +4 days |
| 2000 | 4 days | $1.86 Million | $442.35K/day | $- | $186.00K | ▲ +1 days |
| 1999 | 3 days | $1.40 Million | $417.53K/day | $- | $- | ▲ +1 days |
| 1998 | 3 days | $1.20 Million | $438.90K/day | $- | $- | ▼ -1 days |
| 1997 | 3 days | $1.44 Million | $417.53K/day | $- | $- | ▲ +0 days |
| 1996 | 3 days | $1.47 Million | $435.61K/day | $- | $- | — |