Pathfinder Bancorp Inc (PBHC) — 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 how tangible is Pathfinder Bancorp Inc's equity to evaluate the tangible quality of the company's equity base.
Capital Reinvestment Ratio
Operating Cash Flow
Capital Expenditures
Data as of
Pathfinder Bancorp Inc Capital Reinvestment Ratio (1996–2025)
This chart tracks Pathfinder Bancorp Inc's Capital Reinvestment Ratio across 29 annual periods. For the full cash flow conversion analysis, see how efficiently does Pathfinder Bancorp Inc generate cash.
Annual Capital Reinvestment Ratio for Pathfinder Bancorp Inc (1996–2025)
Year-by-year Capital Reinvestment Ratio for Pathfinder Bancorp Inc from 1996 to 2025. See PBHC free cash flow to operating cash ratio to measure how efficiently the company converts operating cash flow to free cash.
| 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 | — |