First Commonwealth Financial (FCF) — Defensive Interval Ratio
First Commonwealth Financial (FCF) has a Defensive Interval Ratio of 2981 days as of June 2026. Defensive assets of $1.13 Billion (cash $-, short-term investments $1.13 Billion, receivables $-) cover 2981 days of daily cash needs of $377.93K/day.
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 June 2026, the ratio stands at 2981 days, meaning defensive assets of $1.13 Billion can fund 2981 days of operations without new revenue. For the complete balance sheet picture, see First Commonwealth Financial asset portfolio.
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. See FCF 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 | 1366 days | $1.05 Billion | $770.27K/day | $- | $1.05 Billion | ▲ +1323 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 | — |