Berkshire Hills Bancorp Inc (BHLB) — Defensive Interval Ratio
Berkshire Hills Bancorp Inc (BHLB) has a Defensive Interval Ratio of 680 days as of June 2025. Defensive assets of $670.76 Million (cash $-, short-term investments $670.76 Million, receivables $-) cover 680 days of daily cash needs of $986.30K/day. See how liquid is Berkshire Hills Bancorp Inc's working capital to evaluate short-term liquidity relative to the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Berkshire Hills Bancorp Inc Defensive Interval Ratio (1999–2024)
This chart shows how Berkshire Hills Bancorp Inc's Defensive Interval Ratio has evolved across 26 annual periods from 1999 to 2024. As of June 2025, the ratio stands at 680 days, meaning defensive assets of $670.76 Million can fund 680 days of operations without new revenue. See BHLB equity to assets ratio to measure how much of total assets are equity-financed.
Annual Defensive Interval Ratio for Berkshire Hills Bancorp Inc (1999–2024)
The table below presents the year-by-year Defensive Interval Ratio for Berkshire Hills Bancorp Inc from 1999 to 2024, 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 live market cap and the full company financial profile, see BHLB company net worth.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2024 | 22 days | $645.52 Million | $28.73 Million/day | $- | $559.50 Million | ▼ -15 days |
| 2023 | 37 days | $1.11 Billion | $29.88 Million/day | $- | $1.02 Billion | ▼ -16 days |
| 2022 | 53 days | $1.50 Billion | $28.30 Million/day | $- | $1.42 Billion | ▼ -17 days |
| 2021 | 70 days | $1.94 Billion | $27.59 Million/day | $- | $1.88 Billion | ▲ +7 days |
| 2020 | 63 days | $1.78 Billion | $28.11 Million/day | $- | $1.70 Billion | ▲ +16 days |
| 2019 | 48 days | $1.37 Billion | $28.69 Million/day | $- | $1.31 Billion | ▼ -5 days |
| 2018 | 53 days | $1.46 Billion | $27.72 Million/day | $- | $1.40 Billion | ▼ -3 days |
| 2017 | 56 days | $1.45 Billion | $26.01 Million/day | $- | $1.38 Billion | ▼ -4 days |
| 2016 | 59 days | $1.25 Billion | $21.20 Million/day | $- | $1.21 Billion | ▼ -6 days |
| 2015 | 65 days | $1.18 Billion | $18.25 Million/day | $- | $1.15 Billion | ▼ -8 days |
| 2014 | 73 days | $1.11 Billion | $15.28 Million/day | $- | $1.09 Billion | ▲ +13 days |
| 2013 | 60 days | $780.46 Million | $12.93 Million/day | $- | $760.05 Million | ▲ +18 days |
| 2012 | 42 days | $494.56 Million | $11.68 Million/day | $- | $466.17 Million | ▼ -7 days |
| 2011 | 49 days | $419.76 Million | $8.52 Million/day | $- | $419.76 Million | ▲ +46 days |
| 2010 | 3 days | $19.50 Million | $6.17 Million/day | $- | $19.50 Million | ▲ +2 days |
| 2009 | 1 days | $6.84 Million | $5.67 Million/day | $- | $6.84 Million | ▼ -3 days |
| 2008 | 4 days | $19.02 Million | $5.08 Million/day | $- | $19.02 Million | ▼ -40 days |
| 2007 | 44 days | $229.12 Million | $5.25 Million/day | $- | $219.04 Million | ▼ -5 days |
| 2006 | 49 days | $203.37 Million | $4.17 Million/day | $- | $194.21 Million | ▲ +46 days |
| 2005 | 2 days | $8.62 Million | $3.76 Million/day | $- | $110.00K | ▼ -1 days |
| 2004 | 4 days | $8.14 Million | $2.32 Million/day | $- | $2.67 Million | ▲ +2 days |
| 2003 | 2 days | $5.08 Million | $2.62 Million/day | $- | $- | ▼ -7 days |
| 2002 | 9 days | $22.12 Million | $2.51 Million/day | $- | $17.00 Million | ▲ +1 days |
| 2001 | 8 days | $17.87 Million | $2.21 Million/day | $- | $12.00 Million | ▲ +3 days |
| 2000 | 5 days | $11.31 Million | $2.14 Million/day | $- | $5.00 Million | ▲ +3 days |
| 1999 | 3 days | $4.91 Million | $1.94 Million/day | $- | $- | — |