Sound Financial Bancorp Inc (SFBC) — Defensive Interval Ratio
Sound Financial Bancorp Inc (SFBC) has a Defensive Interval Ratio of 1237 days as of March 2026. Defensive assets of $11.40 Million (cash $-, short-term investments $7.52 Million, receivables $3.89 Million) cover 1237 days of daily cash needs of $9.22K/day.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Sound Financial Bancorp Inc Defensive Interval Ratio (2010–2025)
This chart shows how Sound Financial Bancorp Inc's Defensive Interval Ratio has evolved across 16 annual periods from 2010 to 2025. As of March 2026, the ratio stands at 1237 days, meaning defensive assets of $11.40 Million can fund 1237 days of operations without new revenue. For the complete balance sheet picture, see SFBC current and non-current assets.
Annual Defensive Interval Ratio for Sound Financial Bancorp Inc (2010–2025)
The table below presents the year-by-year Defensive Interval Ratio for Sound Financial Bancorp Inc from 2010 to 2025, covering 16 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 Sound Financial Bancorp Inc (SFBC) 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 | 2 days | $6.14 Million | $2.60 Million/day | $- | $2.37 Million | ▼ -3 days |
| 2024 | 5 days | $11.26 Million | $2.30 Million/day | $- | $7.79 Million | ▼ 0 days |
| 2023 | 5 days | $11.74 Million | $2.31 Million/day | $- | $8.29 Million | ▼ -1 days |
| 2022 | 6 days | $13.29 Million | $2.33 Million/day | $- | $10.21 Million | ▲ +1 days |
| 2021 | 5 days | $10.64 Million | $2.19 Million/day | $- | $8.42 Million | ▼ -1 days |
| 2020 | 6 days | $12.47 Million | $2.05 Million/day | $- | $10.22 Million | ▼ -1 days |
| 2019 | 7 days | $11.51 Million | $1.69 Million/day | $- | $9.31 Million | ▲ +2 days |
| 2018 | 5 days | $7.24 Million | $1.52 Million/day | $- | $4.96 Million | ▼ 0 days |
| 2017 | 5 days | $7.41 Million | $1.41 Million/day | $- | $5.43 Million | ▼ -1 days |
| 2016 | 7 days | $8.42 Million | $1.28 Million/day | $- | $6.60 Million | ▼ 0 days |
| 2015 | 7 days | $8.30 Million | $1.21 Million/day | $- | $6.70 Million | ▼ -5 days |
| 2014 | 12 days | $13.02 Million | $1.12 Million/day | $- | $11.52 Million | ▼ -6 days |
| 2013 | 18 days | $16.79 Million | $954.58K/day | $- | $15.42 Million | ▼ -11 days |
| 2012 | 28 days | $24.18 Million | $855.25K/day | $- | $22.90 Million | ▲ +23 days |
| 2011 | 5 days | $4.23 Million | $822.14K/day | $- | $2.99 Million | ▲ +3 days |
| 2010 | 2 days | $1.28 Million | $763.33K/day | $- | $- | — |