Preferred Bank (PFBC) — Defensive Interval Ratio
Preferred Bank (PFBC) has a Defensive Interval Ratio of 2769 days as of March 2026. Defensive assets of $34.81 Million (cash $-, short-term investments $2.00K, receivables $34.81 Million) cover 2769 days of daily cash needs of $12.57K/day. See working capital position of Preferred Bank to evaluate short-term liquidity relative to the company's equity base.
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 March 2026, the ratio stands at 2769 days, meaning defensive assets of $34.81 Million can fund 2769 days of operations without new revenue. See how leveraged is Preferred Bank's balance sheet to measure how much of total assets are equity-financed.
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. For live market cap and the full company financial profile, see market value of Preferred Bank.
| 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 | — |