Peoples Fin (PFIS) — Defensive Interval Ratio
Peoples Fin (PFIS) has a Defensive Interval Ratio of 1040 days as of June 2026. Defensive assets of $243.16 Million (cash $-, short-term investments $225.39 Million, receivables $17.77 Million) cover 1040 days of daily cash needs of $233.78K/day.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Peoples Fin Defensive Interval Ratio (1997–2025)
This chart shows how Peoples Fin's Defensive Interval Ratio has evolved across 29 annual periods from 1997 to 2025. As of June 2026, the ratio stands at 1040 days, meaning defensive assets of $243.16 Million can fund 1040 days of operations without new revenue. For the complete balance sheet picture, see PFIS current and non-current assets.
Annual Defensive Interval Ratio for Peoples Fin (1997–2025)
The table below presents the year-by-year Defensive Interval Ratio for Peoples Fin from 1997 to 2025, covering 29 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 working capital to net assets of Peoples Fin 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 | 2442 days | $218.88 Million | $89.65K/day | $- | $201.24 Million | ▲ +2418 days |
| 2024 | 23 days | $283.19 Million | $12.13 Million/day | $- | $267.56 Million | ▼ -22 days |
| 2023 | 45 days | $411.66 Million | $9.05 Million/day | $- | $398.93 Million | ▼ -11 days |
| 2022 | 56 days | $489.42 Million | $8.66 Million/day | $- | $477.70 Million | ▼ -470373 days |
| 2021 | 470430 days | $525.85 Million | $1.12K/day | $- | $517.32 Million | ▲ +470385 days |
| 2020 | 45 days | $304.17 Million | $6.82 Million/day | $- | $295.91 Million | ▼ -13 days |
| 2019 | 58 days | $337.46 Million | $5.82 Million/day | $- | $330.48 Million | ▲ +6 days |
| 2018 | 51 days | $276.80 Million | $5.38 Million/day | $- | $269.68 Million | ▼ -4 days |
| 2017 | 55 days | $279.48 Million | $5.05 Million/day | $- | $272.55 Million | ▼ -3 days |
| 2016 | 58 days | $265.64 Million | $4.58 Million/day | $- | $259.41 Million | ▼ -13 days |
| 2015 | 71 days | $290.73 Million | $4.10 Million/day | $- | $284.94 Million | ▼ -16 days |
| 2014 | 87 days | $345.17 Million | $3.96 Million/day | $- | $339.59 Million | ▲ +9 days |
| 2013 | 78 days | $305.58 Million | $3.90 Million/day | $- | $299.71 Million | ▼ -4 days |
| 2012 | 82 days | $164.25 Million | $2.00 Million/day | $- | $161.39 Million | ▼ -15 days |
| 2011 | 97 days | $143.35 Million | $1.47 Million/day | $- | $139.90 Million | ▲ +2 days |
| 2010 | 95 days | $124.78 Million | $1.31 Million/day | $- | $121.77 Million | ▼ -17 days |
| 2009 | 113 days | $133.09 Million | $1.18 Million/day | $- | $130.51 Million | ▲ +8 days |
| 2008 | 105 days | $112.77 Million | $1.07 Million/day | $- | $110.25 Million | ▼ -14 days |
| 2007 | 120 days | $114.98 Million | $962.20K/day | $- | $112.75 Million | ▼ -2 days |
| 2006 | 122 days | $112.16 Million | $922.99K/day | $- | $110.30 Million | ▼ -6 days |
| 2005 | 127 days | $110.14 Million | $864.18K/day | $- | $108.31 Million | ▲ +125 days |
| 2004 | 3 days | $1.99 Million | $794.35K/day | $- | $- | ▼ -34 days |
| 2003 | 37 days | $29.10 Million | $787.37K/day | $- | $27.05 Million | ▲ +4 days |
| 2002 | 33 days | $24.87 Million | $747.82K/day | $- | $22.71 Million | ▲ +30 days |
| 2001 | 3 days | $2.28 Million | $714.88K/day | $- | $- | ▼ 0 days |
| 2000 | 4 days | $2.36 Million | $652.01K/day | $- | $- | ▲ +0 days |
| 1999 | 3 days | $2.00 Million | $606.23K/day | $- | $- | ▲ +0 days |
| 1998 | 3 days | $1.78 Million | $586.06K/day | $- | $- | ▼ 0 days |
| 1997 | 3 days | $1.78 Million | $555.80K/day | $- | $- | — |