Pathfinder Bancorp Inc (PBHC) — Capital Reinvestment Ratio
Pathfinder Bancorp Inc (PBHC) has a Capital Reinvestment Ratio of 0.12x as of September 2025, meaning it reinvests 0% of its operating cash flow ($7.05 Million) in capital expenditures ($861.00K). See Pathfinder Bancorp Inc net asset quality index to measure how much of total assets are equity-financed.
Capital Reinvestment Ratio
Operating Cash Flow
Capital Expenditures
Data as of
Pathfinder Bancorp Inc Capital Reinvestment Ratio (1996–2024)
This chart tracks Pathfinder Bancorp Inc's Capital Reinvestment Ratio across 28 annual periods. Check PBHC cash reinvestment to operating cash ratio to assess the company's total reinvestment commitment from operating cash flow.
Annual Capital Reinvestment Ratio for Pathfinder Bancorp Inc (1996–2024)
Year-by-year Capital Reinvestment Ratio for Pathfinder Bancorp Inc from 1996 to 2024. For live market cap and broader valuation context, see PBHC market cap overview.
| Year | Reinvestment Ratio | Operating CF (USD) | Capital Expenditures | YoY Change |
|---|---|---|---|---|
| 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 | — |