Evans Bancorp Inc (EVBN) — Defensive Interval Ratio
Evans Bancorp Inc (EVBN) has a Defensive Interval Ratio of 14873 days as of December 2024. Defensive assets of $165.93 Million (cash $-, short-term investments $165.93 Million, receivables $-) cover 14873 days of daily cash needs of $11.16K/day. Check tangible net worth ratio of Evans Bancorp Inc to evaluate the tangible quality of the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Evans Bancorp Inc Defensive Interval Ratio (2003–2024)
This chart shows how Evans Bancorp Inc's Defensive Interval Ratio has evolved across 20 annual periods from 2003 to 2024. As of December 2024, the ratio stands at 14873 days, meaning defensive assets of $165.93 Million can fund 14873 days of operations without new revenue. Also explore net asset growth rate of Evans Bancorp Inc to track the company's year-over-year net asset growth rate.
Annual Defensive Interval Ratio for Evans Bancorp Inc (2003–2024)
The table below presents the year-by-year Defensive Interval Ratio for Evans Bancorp Inc from 2003 to 2024, covering 20 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 EVBN market cap overview.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2024 | -2518 days | $-28.09 Million | $11.16K/day | $- | $-28.09 Million | ▼ -27284 days |
| 2023 | 24766 days | $275.68 Million | $11.13K/day | $- | $275.68 Million | ▼ -3390 days |
| 2022 | 28156 days | $364.33 Million | $12.94K/day | $- | $364.33 Million | ▲ +6721 days |
| 2021 | 21435 days | $305.96 Million | $14.27K/day | $- | $305.96 Million | ▲ +11662 days |
| 2020 | 9772 days | $176.14 Million | $18.02K/day | $- | $162.40 Million | ▲ +1304 days |
| 2019 | 8468 days | $136.61 Million | $16.13K/day | $- | $127.92 Million | ▲ +8249 days |
| 2018 | 219 days | $141.55 Million | $646.36K/day | $- | $132.10 Million | ▲ +170 days |
| 2017 | 49 days | $155.56 Million | $3.19 Million/day | $- | $143.82 Million | ▲ +12 days |
| 2016 | 37 days | $100.58 Million | $2.72 Million/day | $- | $95.22 Million | ▼ -143 days |
| 2015 | 180 days | $97.04 Million | $539.40K/day | $- | $94.36 Million | ▼ -2352 days |
| 2014 | 2532 days | $95.03 Million | $37.53K/day | $- | $92.61 Million | ▼ -146 days |
| 2013 | 2678 days | $102.12 Million | $38.13K/day | $- | $99.67 Million | ▼ -145931 days |
| 2012 | 148608 days | $94.46 Million | $635.62/day | $- | $92.06 Million | ▲ +148536 days |
| 2011 | 73 days | $102.52 Million | $1.41 Million/day | $- | $99.98 Million | ▼ -8 days |
| 2010 | 81 days | $93.08 Million | $1.15 Million/day | $- | $93.08 Million | ▲ +5 days |
| 2009 | 76 days | $78.41 Million | $1.03 Million/day | $- | $78.41 Million | ▼ -16 days |
| 2008 | 93 days | $75.64 Million | $816.96K/day | $- | $75.64 Million | ▲ +112 days |
| 2007 | -19 days | $-12.08 Million | $632.28K/day | $- | $-12.08 Million | ▼ -180 days |
| 2004 | 161 days | $168.90 Million | $1.05 Million/day | $- | $168.90 Million | ▲ +161 days |
| 2003 | 0 days | $38.00 | $825.75K/day | $- | $38.00 | — |