Pathfinder Bancorp Inc (PBHC) — Capital Reinvestment Ratio
Latest as of December 2025:
0.56x
Pathfinder Bancorp Inc (PBHC) has a Capital Reinvestment Ratio of 0.56x as of December 2025, meaning it reinvests 1% of its operating cash flow ($2.67 Million) in capital expenditures ($1.50 Million). See how much free cash does Pathfinder Bancorp Inc generate to measure how efficiently the company converts operating cash flow to free cash.
Capital Reinvestment Ratio
0.56x
Capex / Operating Cash Flow
Operating Cash Flow
$2.67 Million
USD
Capital Expenditures
$1.50 Million
USD
Data as of
Dec 2025
Most recent filing
Pathfinder Bancorp Inc Capital Reinvestment Ratio (1996–2025)
This chart tracks Pathfinder Bancorp Inc's Capital Reinvestment Ratio across 29 annual periods.
Annual Capital Reinvestment Ratio for Pathfinder Bancorp Inc (1996–2025)
Year-by-year Capital Reinvestment Ratio for Pathfinder Bancorp Inc from 1996 to 2025. For live market cap and broader valuation context, see PBHC company net worth.
| Year | Reinvestment Ratio | Operating CF (USD) | Capital Expenditures | YoY Change |
|---|---|---|---|---|
| 2025 | 0.11x | $11.68 Million | $1.26 Million | ▼ -85.5% |
| 2024 | 0.74x | $11.21 Million | $8.33 Million | ▲ +483.5% |
| 2023 | 0.13x | $15.43 Million | $1.97 Million | ▼ -46.8% |
| 2022 | 0.24x | $21.73 Million | $5.21 Million | ▲ +298.6% |
| 2021 | 0.06x | $20.15 Million | $1.21 Million | ▲ +122.0% |
| 2020 | 0.03x | $46.56 Million | $1.26 Million | ▼ -93.9% |
| 2019 | 0.44x | $8.12 Million | $3.60 Million | ▼ -30.1% |
| 2018 | 0.63x | $8.98 Million | $5.69 Million | ▲ +119.5% |
| 2017 | 0.29x | $6.84 Million | $1.98 Million | ▲ +35.0% |
| 2016 | 0.21x | $6.37 Million | $1.36 Million | ▼ -48.7% |
| 2015 | 0.42x | $6.31 Million | $2.63 Million | ▼ -11.2% |
| 2014 | 0.47x | $5.03 Million | $2.36 Million | ▲ +6.1% |
| 2013 | 0.44x | $5.11 Million | $2.26 Million | ▲ +537.9% |
| 2012 | 0.07x | $2.77 Million | $192.00K | ▼ -86.0% |
| 2011 | 0.50x | $4.01 Million | $1.99 Million | ▼ -25.6% |
| 2010 | 0.67x | $4.38 Million | $2.93 Million | ▲ +92.0% |
| 2009 | 0.35x | $1.10 Million | $383.00K | ▲ +256.6% |
| 2008 | 0.10x | $3.50 Million | $341.00K | ▼ -69.8% |
| 2007 | 0.32x | $2.92 Million | $944.00K | ▲ +148.2% |
| 2006 | 0.13x | $2.44 Million | $318.00K | ▲ +21.5% |
| 2005 | 0.11x | $10.62 Million | $1.14 Million | ▼ -83.2% |
| 2004 | 0.64x | $2.38 Million | $1.52 Million | ▲ +38.0% |
| 2003 | 0.46x | $3.40 Million | $1.57 Million | ▲ +104.3% |
| 2002 | 0.23x | $4.02 Million | $911.27K | ▲ +112.6% |
| 2000 | 0.11x | $2.95 Million | $314.10K | ▼ -30.8% |
| 1999 | 0.15x | $5.20 Million | $800.00K | ▼ -92.3% |
| 1998 | 2.00x | $500.00K | $1.00 Million | ▲ +870.7% |
| 1997 | 0.21x | $2.77 Million | $571.07K | ▼ -40.5% |
| 1996 | 0.35x | $2.35 Million | $813.09K | — |
Capital Reinvestment Ratio = ABS(Capital Expenditures) / Operating Cash Flow