Pathfinder Bancorp Inc (PBHC) — Defensive Interval Ratio
Pathfinder Bancorp Inc (PBHC) has a Defensive Interval Ratio of 6743 days as of March 2026. Defensive assets of $278.80 Million (cash $-, short-term investments $272.97 Million, receivables $5.83 Million) cover 6743 days of daily cash needs of $41.35K/day. See Pathfinder Bancorp Inc short-term liquidity ratio to evaluate short-term liquidity relative to 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 March 2026, the ratio stands at 6743 days, meaning defensive assets of $278.80 Million can fund 6743 days of operations without new revenue. See debt-free asset ratio of Pathfinder Bancorp Inc to measure how much of total assets are equity-financed.
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 market cap of Pathfinder Bancorp Inc.
| 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 | $- | $- | — |