Southern First Bancshares Inc Defensive Interval Ratio
Southern First Bancshares Inc defensive interval ratio. Southern First Bancshares Inc (SFST) has a Defensive Interval Ratio of 17 days as of December 2025. Defensive assets of $127.73 Million (cash $-, short-term investments $127.73 Million, receivables $-) cover 17 days of daily cash needs of $7.48 Million/day. See working capital position of Southern First Bancshares Inc to evaluate short-term liquidity relative to the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Defensive Interval Ratio of Southern First Bancshares Inc (2000–2025)
Defensive interval ratio of Southern First Bancshares Inc from 2000 to 2025. This chart shows how Southern First Bancshares Inc's Defensive Interval Ratio has evolved across 26 annual periods from 2000 to 2025. As of December 2025, the ratio stands at 17 days, meaning defensive assets of $127.73 Million can fund 17 days of operations without new revenue. Check SFST financial resilience to evaluate the company's liquid asset resilience ratio.
Southern First Bancshares Inc Defensive Interval Ratio by Year (2000–2025)
Southern First Bancshares Inc defensive interval ratio by year from 2000 to 2025. The table below presents the year-by-year Defensive Interval Ratio for Southern First Bancshares Inc from 2000 to 2025, covering 26 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 the complete balance sheet picture, see SFST current and non-current assets.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 17 days | $127.73 Million | $7.48 Million/day | $- | $127.73 Million | ▲ +17 days |
| 2024 | 0 days | $461.00K | $9.41 Million/day | $- | $461.00K | ▼ -1 days |
| 2023 | 1 days | $9.47 Million | $9.26 Million/day | $- | $9.47 Million | ▼ -10 days |
| 2022 | 11 days | $93.35 Million | $8.84 Million/day | $- | $93.35 Million | ▼ -7 days |
| 2021 | 18 days | $120.28 Million | $6.83 Million/day | $- | $120.28 Million | ▼ 0 days |
| 2020 | 18 days | $94.73 Million | $5.25 Million/day | $- | $94.73 Million | ▲ +3 days |
| 2019 | 15 days | $67.69 Million | $4.49 Million/day | $- | $67.69 Million | ▼ -1 days |
| 2018 | 17 days | $74.91 Million | $4.52 Million/day | $- | $74.91 Million | ▼ -1 days |
| 2017 | 18 days | $67.60 Million | $3.78 Million/day | $- | $67.60 Million | ▼ -4 days |
| 2016 | 22 days | $64.48 Million | $2.99 Million/day | $- | $64.48 Million | ▼ -8 days |
| 2015 | 30 days | $89.94 Million | $3.04 Million/day | $- | $89.94 Million | ▲ +4 days |
| 2014 | 25 days | $55.02 Million | $2.16 Million/day | $- | $55.02 Million | ▼ -11 days |
| 2013 | 36 days | $67.44 Million | $1.86 Million/day | $- | $67.44 Million | ▼ -12 days |
| 2012 | 48 days | $78.22 Million | $1.62 Million/day | $- | $78.22 Million | ▼ -5 days |
| 2011 | 54 days | $100.66 Million | $1.88 Million/day | $- | $100.66 Million | ▲ +18 days |
| 2010 | 35 days | $63.78 Million | $1.81 Million/day | $- | $63.78 Million | ▼ -8 days |
| 2009 | 43 days | $76.19 Million | $1.76 Million/day | $- | $76.19 Million | ▼ -7 days |
| 2008 | 50 days | $67.33 Million | $1.34 Million/day | $- | $64.43 Million | ▼ -55966 days |
| 2007 | 56016 days | $64.01 Billion | $1.14 Million/day | $- | $64.01 Billion | ▲ +3472 days |
| 2006 | 52545 days | $50.20 Billion | $955.41K/day | $- | $50.20 Billion | ▲ +37858 days |
| 2005 | 14687 days | $11.31 Billion | $770.27K/day | $- | $11.31 Billion | ▼ -2507 days |
| 2004 | 17193 days | $12.16 Billion | $707.29K/day | $- | $12.16 Billion | ▲ +10941 days |
| 2003 | 6252 days | $3.63 Billion | $580.53K/day | $- | $3.63 Billion | ▲ +6251 days |
| 2002 | 2 days | $772.03K | $396.24K/day | $- | $42.00K | ▼ -1 days |
| 2001 | 3 days | $941.45K | $281.72K/day | $- | $101.00K | ▼ -28 days |
| 2000 | 31 days | $4.46 Million | $141.72K/day | $- | $3.92 Million | — |