Pathfinder Bancorp Inc Capital Reinvestment Ratio
Pathfinder Bancorp Inc capital reinvestment ratio. Pathfinder Bancorp Inc (PBHC) has a Capital Reinvestment Ratio of 0.10x as of June 2026, meaning it reinvests 0% of its operating cash flow ($2.53 Million) in capital expenditures ($248.00K). Check PBHC capex plus investments ratio to assess the company's total reinvestment commitment from operating cash flow.
Capital Reinvestment Ratio
Operating Cash Flow
Capital Expenditures
Data as of
Capital Reinvestment Ratio of Pathfinder Bancorp Inc (1996–2025)
Capital reinvestment ratio of Pathfinder Bancorp Inc from 1996 to 2025. This chart tracks Pathfinder Bancorp Inc's Capital Reinvestment Ratio across 29 annual periods. Also explore Pathfinder Bancorp Inc net asset momentum to track the company's year-over-year net asset growth rate.
Pathfinder Bancorp Inc Capital Reinvestment Ratio by Year (1996–2025)
Pathfinder Bancorp Inc capital reinvestment ratio by year from 1996 to 2025. For the full cash flow conversion analysis, see PBHC cash generation efficiency.
| Year | Reinvestment Ratio | Operating CF (USD) | Capital Expenditures | YoY Change |
|---|---|---|---|---|
| 2025 | 0.11x | $11.28 Million | $1.26 Million | ▼ -85.0% |
| 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 | — |