Preferred Bank (PFBC) — Defensive Interval Ratio
Preferred Bank (PFBC) has a Defensive Interval Ratio of 3903 days as of June 2026. Defensive assets of $32.82 Million (cash $-, short-term investments $-, receivables $32.82 Million) cover 3903 days of daily cash needs of $8.41K/day.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Preferred Bank Defensive Interval Ratio (2004–2025)
This chart shows how Preferred Bank's Defensive Interval Ratio has evolved across 22 annual periods from 2004 to 2025. As of June 2026, the ratio stands at 3903 days, meaning defensive assets of $32.82 Million can fund 3903 days of operations without new revenue. For the complete balance sheet picture, see how large is Preferred Bank's balance sheet.
Annual Defensive Interval Ratio for Preferred Bank (2004–2025)
The table below presents the year-by-year Defensive Interval Ratio for Preferred Bank from 2004 to 2025, covering 22 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. See Preferred Bank (PFBC) working capital ratio to evaluate short-term liquidity relative to the company's equity base.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 3433 days | $54.15 Million | $15.77K/day | $- | $20.00 Million | ▲ +3431 days |
| 2024 | 2 days | $35.76 Million | $16.26 Million/day | $- | $3.00K | ▼ -20 days |
| 2023 | 22 days | $350.12 Million | $15.69 Million/day | $- | $313.84 Million | ▼ -7 days |
| 2022 | 30 days | $451.89 Million | $15.23 Million/day | $- | $428.30 Million | ▼ -3 days |
| 2021 | 33 days | $466.56 Million | $14.32 Million/day | $- | $451.91 Million | ▲ +11 days |
| 2020 | 22 days | $263.37 Million | $12.17 Million/day | $- | $239.68 Million | ▼ -2 days |
| 2019 | 24 days | $258.97 Million | $10.92 Million/day | $- | $240.64 Million | ▲ +4 days |
| 2018 | 20 days | $196.68 Million | $9.99 Million/day | $- | $182.41 Million | ▼ -3 days |
| 2017 | 23 days | $202.21 Million | $8.95 Million/day | $- | $188.20 Million | ▼ -5 days |
| 2016 | 28 days | $209.38 Million | $7.60 Million/day | $- | $199.83 Million | ▼ -1 days |
| 2015 | 28 days | $177.93 Million | $6.27 Million/day | $- | $169.50 Million | ▼ -4 days |
| 2014 | 32 days | $157.04 Million | $4.87 Million/day | $- | $150.54 Million | ▼ -3 days |
| 2013 | 36 days | $149.83 Million | $4.19 Million/day | $- | $142.67 Million | ▼ -23 days |
| 2012 | 58 days | $216.93 Million | $3.72 Million/day | $- | $210.74 Million | ▲ +3 days |
| 2011 | 56 days | $170.93 Million | $3.07 Million/day | $- | $166.08 Million | ▲ +53 days |
| 2010 | 3 days | $9.01 Million | $2.97 Million/day | $- | $- | ▼ -25 days |
| 2009 | 28 days | $89.73 Million | $3.19 Million/day | $- | $54.00 Million | ▲ +11 days |
| 2008 | 17 days | $58.01 Million | $3.46 Million/day | $- | $50.20 Million | ▲ +14 days |
| 2007 | 3 days | $10.16 Million | $3.45 Million/day | $- | $- | ▼ -32 days |
| 2006 | 35 days | $112.33 Million | $3.20 Million/day | $- | $103.70 Million | ▼ -26 days |
| 2005 | 61 days | $163.83 Million | $2.70 Million/day | $- | $158.30 Million | ▲ +24 days |
| 2004 | 36 days | $81.06 Million | $2.22 Million/day | $- | $73.00 Million | — |