Pathfinder Bancorp Inc (PBHC) — Defensive Interval Ratio
Pathfinder Bancorp Inc (PBHC) has a Defensive Interval Ratio of 9543 days as of December 2025. Defensive assets of $1.15 Billion (cash $-, short-term investments $276.81 Million, receivables $873.56 Million) cover 9543 days of daily cash needs of $120.55K/day. Check tangible equity quality of Pathfinder Bancorp Inc to evaluate the tangible quality of the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Pathfinder Bancorp Inc Defensive Interval Ratio (1996–2025)
This chart shows how Pathfinder Bancorp Inc's Defensive Interval Ratio has evolved across 30 annual periods from 1996 to 2025. As of December 2025, the ratio stands at 9543 days, meaning defensive assets of $1.15 Billion can fund 9543 days of operations without new revenue. Also explore Pathfinder Bancorp Inc equity growth rate to track the company's year-over-year net asset growth rate.
Annual Defensive Interval Ratio for Pathfinder Bancorp Inc (1996–2025)
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 live market cap and the full company financial profile, see Pathfinder Bancorp Inc stock valuation.
| 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 | $- | $- | — |