SB Financial Group Inc (SBFG) — Defensive Interval Ratio
SB Financial Group Inc (SBFG) has a Defensive Interval Ratio of 10002 days as of June 2026. Defensive assets of $184.48 Million (cash $-, short-term investments $179.03 Million, receivables $5.46 Million) cover 10002 days of daily cash needs of $18.44K/day.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
SB Financial Group Inc Defensive Interval Ratio (1995–2025)
This chart shows how SB Financial Group Inc's Defensive Interval Ratio has evolved across 31 annual periods from 1995 to 2025. As of June 2026, the ratio stands at 10002 days, meaning defensive assets of $184.48 Million can fund 10002 days of operations without new revenue. For the complete balance sheet picture, see SB Financial Group Inc asset portfolio.
Annual Defensive Interval Ratio for SB Financial Group Inc (1995–2025)
The table below presents the year-by-year Defensive Interval Ratio for SB Financial Group Inc from 1995 to 2025, covering 31 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 SBFG current assets to equity 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 | 22 days | $79.02 Million | $3.61 Million/day | $- | $73.53 Million | ▼ -33 days |
| 2024 | 55 days | $176.67 Million | $3.19 Million/day | $- | $171.76 Million | ▼ -20 days |
| 2023 | 75 days | $224.37 Million | $2.98 Million/day | $- | $219.71 Million | ▼ -5 days |
| 2022 | 80 days | $242.87 Million | $3.02 Million/day | $- | $238.78 Million | ▼ -6 days |
| 2021 | 86 days | $266.18 Million | $3.09 Million/day | $- | $263.26 Million | ▼ -90693 days |
| 2020 | 90779 days | $153.21 Million | $1.69K/day | $- | $149.41 Million | ▲ +58890 days |
| 2019 | 31889 days | $104.05 Million | $3.26K/day | $- | $100.95 Million | ▼ -5427 days |
| 2018 | 37316 days | $92.93 Million | $2.49K/day | $- | $91.04 Million | ▼ -14854 days |
| 2017 | 52170 days | $84.61 Million | $1.62K/day | $- | $82.79 Million | ▼ -29813 days |
| 2016 | 81983 days | $91.64 Million | $1.12K/day | $- | $90.13 Million | ▼ -43899 days |
| 2015 | 125882 days | $91.05 Million | $723.29/day | $- | $89.79 Million | ▲ +125826 days |
| 2014 | 56 days | $86.59 Million | $1.54 Million/day | $- | $85.24 Million | ▼ -56382 days |
| 2013 | 56438 days | $91.07 Million | $1.61K/day | $- | $89.79 Million | ▲ +56370 days |
| 2012 | 68 days | $99.94 Million | $1.47 Million/day | $- | $98.70 Million | ▼ -6 days |
| 2011 | 74 days | $113.61 Million | $1.54 Million/day | $- | $111.98 Million | ▲ +73 days |
| 2010 | 1 days | $2.07 Million | $1.55 Million/day | $- | $- | ▼ 0 days |
| 2009 | 2 days | $2.33 Million | $1.50 Million/day | $- | $- | ▼ -7 days |
| 2008 | 9 days | $12.96 Million | $1.45 Million/day | $- | $10.00 Million | ▲ +5 days |
| 2007 | 4 days | $5.01 Million | $1.24 Million/day | $- | $2.00 Million | ▼ -6 days |
| 2006 | 10 days | $12.38 Million | $1.23 Million/day | $- | $9.25 Million | ▲ +7 days |
| 2005 | 3 days | $3.16 Million | $1.09 Million/day | $- | $150.00K | ▲ +0 days |
| 2004 | 2 days | $2.13 Million | $860.76K/day | $- | $150.00K | ▼ -10 days |
| 2003 | 12 days | $12.26 Million | $993.82K/day | $- | $10.26 Million | ▲ +2 days |
| 2002 | 11 days | $18.23 Million | $1.70 Million/day | $- | $14.26 Million | ▲ +8 days |
| 2001 | 3 days | $5.20 Million | $1.88 Million/day | $- | $260.00K | ▼ -1 days |
| 2000 | 3 days | $5.83 Million | $1.77 Million/day | $- | $110.00K | ▲ +1 days |
| 1999 | 3 days | $4.10 Million | $1.57 Million/day | $- | $- | ▲ +0 days |
| 1998 | 3 days | $3.20 Million | $1.27 Million/day | $- | $- | ▼ -1 days |
| 1997 | 3 days | $3.53 Million | $1.16 Million/day | $- | $- | ▼ 0 days |
| 1996 | 3 days | $3.30 Million | $1.07 Million/day | $- | $- | ▼ 0 days |
| 1995 | 3 days | $3.24 Million | $1.01 Million/day | $- | $- | — |