First Commonwealth Financial (FCF) — Defensive Interval Ratio
First Commonwealth Financial (FCF) has a Defensive Interval Ratio of 89 days as of December 2025. Defensive assets of $1.05 Billion (cash $-, short-term investments $1.05 Billion, receivables $-) cover 89 days of daily cash needs of $11.83 Million/day. See First Commonwealth Financial working capital to net assets to evaluate short-term liquidity relative to the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
First Commonwealth Financial Defensive Interval Ratio (2000–2025)
This chart shows how First Commonwealth Financial's Defensive Interval Ratio has evolved across 26 annual periods from 2000 to 2025. As of December 2025, the ratio stands at 89 days, meaning defensive assets of $1.05 Billion can fund 89 days of operations without new revenue. See FCF net asset quality score to measure how much of total assets are equity-financed.
Annual Defensive Interval Ratio for First Commonwealth Financial (2000–2025)
The table below presents the year-by-year Defensive Interval Ratio for First Commonwealth Financial 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 live market cap and the full company financial profile, see FCF company net worth.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 89 days | $1.05 Billion | $11.83 Million/day | $- | $1.05 Billion | ▲ +46 days |
| 2024 | 43 days | $1.15 Billion | $26.73 Million/day | $- | $1.15 Billion | ▲ +5 days |
| 2023 | 38 days | $1.02 Billion | $26.82 Million/day | $- | $1.02 Billion | ▲ +5 days |
| 2022 | 33 days | $762.66 Million | $22.95 Million/day | $- | $762.66 Million | ▼ -14 days |
| 2021 | 47 days | $1.04 Billion | $22.25 Million/day | $- | $1.04 Billion | ▲ +7 days |
| 2020 | 40 days | $831.22 Million | $20.70 Million/day | $- | $831.22 Million | ▼ -8 days |
| 2019 | 48 days | $902.29 Million | $18.85 Million/day | $- | $902.29 Million | ▼ -2 days |
| 2018 | 50 days | $909.25 Million | $18.14 Million/day | $- | $909.25 Million | ▲ +8 days |
| 2017 | 42 days | $731.36 Million | $17.23 Million/day | $- | $731.36 Million | ▼ -6 days |
| 2016 | 49 days | $778.61 Million | $15.93 Million/day | $- | $778.61 Million | ▼ -8 days |
| 2015 | 57 days | $886.56 Million | $15.63 Million/day | $- | $886.56 Million | ▼ -31 days |
| 2014 | 88 days | $1.31 Billion | $14.85 Million/day | $- | $1.31 Billion | ▼ -4 days |
| 2013 | 92 days | $1.32 Billion | $14.33 Million/day | $- | $1.32 Billion | ▲ +5 days |
| 2012 | 87 days | $1.17 Billion | $13.46 Million/day | $- | $1.17 Billion | ▲ +0 days |
| 2011 | 87 days | $1.14 Billion | $13.20 Million/day | $- | $1.14 Billion | ▲ +13 days |
| 2010 | 73 days | $967.72 Million | $13.17 Million/day | $- | $967.72 Million | ▼ -2 days |
| 2009 | 75 days | $1.13 Billion | $15.05 Million/day | $- | $1.13 Billion | ▼ -19 days |
| 2008 | 94 days | $1.40 Billion | $14.85 Million/day | $- | $1.40 Billion | ▼ -28 days |
| 2007 | 122 days | $1.57 Billion | $12.88 Million/day | $- | $1.57 Billion | ▼ -2 days |
| 2006 | 124 days | $1.64 Billion | $13.22 Million/day | $- | $1.64 Billion | ▼ -21 days |
| 2005 | 145 days | $1.85 Billion | $12.77 Million/day | $- | $1.85 Billion | ▼ -20 days |
| 2004 | 165 days | $2.16 Billion | $13.13 Million/day | $- | $2.16 Billion | ▼ -19 days |
| 2003 | 183 days | $1.97 Billion | $10.75 Million/day | $- | $1.97 Billion | ▲ +29 days |
| 2002 | 154 days | $1.48 Billion | $9.63 Million/day | $- | $1.48 Billion | ▲ +3 days |
| 2001 | 151 days | $1.47 Billion | $9.72 Million/day | $- | $1.47 Billion | ▲ +150 days |
| 2000 | 1 days | $11.55 Million | $9.14 Million/day | $- | $11.55 Million | — |