Provident Financial Services Inc (PFS) — Defensive Interval Ratio
Provident Financial Services Inc (PFS) has a Defensive Interval Ratio of 61 days as of September 2025. Defensive assets of $3.24 Billion (cash $-, short-term investments $3.14 Billion, receivables $94.65 Million) cover 61 days of daily cash needs of $52.73 Million/day. See PFS working capital ratio to evaluate short-term liquidity relative to the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Provident Financial Services Inc Defensive Interval Ratio (2001–2025)
This chart shows how Provident Financial Services Inc's Defensive Interval Ratio has evolved across 25 annual periods from 2001 to 2025. As of September 2025, the ratio stands at 61 days, meaning defensive assets of $3.24 Billion can fund 61 days of operations without new revenue. See PFS net asset quality score to measure how much of total assets are equity-financed.
Annual Defensive Interval Ratio for Provident Financial Services Inc (2001–2025)
The table below presents the year-by-year Defensive Interval Ratio for Provident Financial Services Inc from 2001 to 2025, covering 25 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 Provident Financial Services Inc stock valuation.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 83 days | $3.26 Billion | $39.46 Million/day | $- | $3.16 Billion | ▲ +27 days |
| 2024 | 56 days | $2.86 Billion | $51.45 Million/day | $- | $2.77 Billion | ▼ -6 days |
| 2023 | 61 days | $1.75 Billion | $28.50 Million/day | $- | $1.69 Billion | ▼ -7 days |
| 2022 | 69 days | $1.86 Billion | $26.96 Million/day | $- | $1.80 Billion | ▼ -12 days |
| 2021 | 80 days | $2.10 Billion | $26.09 Million/day | $- | $2.06 Billion | ▲ +30 days |
| 2020 | 51 days | $1.15 Billion | $22.69 Million/day | $- | $1.11 Billion | ▼ -8 days |
| 2019 | 59 days | $1.01 Billion | $17.10 Million/day | $- | $976.92 Million | ▼ -7 days |
| 2018 | 66 days | $1.09 Billion | $16.53 Million/day | $- | $1.06 Billion | ▲ +1 days |
| 2017 | 65 days | $1.07 Billion | $16.34 Million/day | $- | $1.04 Billion | ▼ -7 days |
| 2016 | 72 days | $1.07 Billion | $14.74 Million/day | $- | $1.04 Billion | ▲ +11 days |
| 2015 | 61 days | $990.30 Million | $16.23 Million/day | $- | $964.53 Million | ▼ -8 days |
| 2014 | 69 days | $1.10 Billion | $15.87 Million/day | $- | $1.07 Billion | ▼ -9 days |
| 2013 | 79 days | $1.18 Billion | $14.98 Million/day | $- | $1.16 Billion | ▼ -3 days |
| 2012 | 82 days | $1.29 Billion | $15.74 Million/day | $- | $1.26 Billion | ▼ -10 days |
| 2011 | 92 days | $1.40 Billion | $15.20 Million/day | $- | $1.38 Billion | ▲ +90 days |
| 2010 | 2 days | $26.14 Million | $13.36 Million/day | $- | $884.00K | ▼ 0 days |
| 2009 | 2 days | $28.72 Million | $13.42 Million/day | $- | $2.92 Million | ▼ 0 days |
| 2008 | 2 days | $26.10 Million | $11.58 Million/day | $- | $2.23 Million | ▼ -3 days |
| 2007 | 5 days | $63.56 Million | $12.89 Million/day | $- | $38.89 Million | ▲ +3 days |
| 2006 | 2 days | $24.37 Million | $12.02 Million/day | $- | $2.67 Million | ▼ -1 days |
| 2005 | 3 days | $33.07 Million | $10.79 Million/day | $- | $9.91 Million | ▼ -1 days |
| 2004 | 5 days | $50.37 Million | $11.14 Million/day | $- | $26.51 Million | ▼ -7 days |
| 2003 | 12 days | $86.47 Million | $7.42 Million/day | $- | $69.62 Million | ▼ -8 days |
| 2002 | 20 days | $179.34 Million | $8.91 Million/day | $- | $163.50 Million | ▲ +12 days |
| 2001 | 8 days | $51.20 Million | $6.42 Million/day | $- | $35.86 Million | — |