Pathfinder Bancorp Inc Cash Flow Conversion Efficiency
Pathfinder Bancorp Inc cash flow conversion efficiency. Based on the latest financial reports, Pathfinder Bancorp Inc (PBHC) has a cash flow conversion efficiency ratio of 0.020x as of June 2026. Cash flow conversion efficiency measures how effectively a company's net assets (equity) generate operating cash flow. It is calculated by dividing operating cash flow ($2.53 Million) by net assets ($125.48 Million). A higher ratio indicates that the company is more efficient at using its equity to generate cash flow from its core operations.
Cash Flow Conversion Efficiency of Pathfinder Bancorp Inc (1996–2025)
Cash flow conversion efficiency of Pathfinder Bancorp Inc from 1996 to 2025. This chart illustrates how Pathfinder Bancorp Inc's cash flow conversion efficiency has evolved over time, based on yearly financial data. View latest Pathfinder Bancorp Inc stock price today for real-time trading data and today's change.
Pathfinder Bancorp Inc Cash Flow Conversion Ratio Explained
Pathfinder Bancorp Inc cash flow conversion ratio divides operating cash flow by net assets, so a higher ratio means more cash generated from each unit of shareholder equity.
Pathfinder Bancorp Inc Competitors by Cash Flow Conversion Efficiency
The table below lists competitors of Pathfinder Bancorp Inc ranked by their cash flow conversion efficiency. Also see PBHC market cap for the company's overall valuation and market capitalisation.
| Company | Cash Flow Conversion Efficiency |
|---|---|
|
CGRE AG
XETRA:CGX
|
N/A |
|
S.D. STANDARD ETC DL-03
F:S1P
|
0.110x |
|
Tamawood Ltd
AU:TWD
|
0.075x |
|
Hwa Fong Rubber (Thailand) Public Company Limited
BK:HFT
|
0.045x |
|
Aesler Grup Internasional Tbk Pt
JK:RONY
|
-1.290x |
|
Australian Mines Ltd
AU:AUZ
|
-0.017x |
|
The9 Ltd ADR
NASDAQ:NCTY
|
3.099x |
|
Mobiletron Electronics Co Ltd
TW:1533
|
0.018x |
Annual Cash Flow Conversion Efficiency for Pathfinder Bancorp Inc (1996–2025)
The table below shows the annual cash flow conversion efficiency of Pathfinder Bancorp Inc from 1996 to 2025. Review PBHC FCF generation index to assess how much free cash flow the company generates relative to operating cash flow.
| Year | Net Assets | Operating Cash Flow | Cash Flow Conversion Efficiency | Change |
|---|---|---|---|---|
| 2025-12-31 | $120.97 Million | $11.28 Million | 0.093x | +1.02% |
| 2024-12-31 | $121.48 Million | $11.21 Million | 0.092x | -28.10% |
| 2023-12-31 | $120.26 Million | $15.43 Million | 0.128x | -34.12% |
| 2022-12-31 | $111.58 Million | $21.73 Million | 0.195x | +6.92% |
| 2021-12-31 | $110.63 Million | $20.15 Million | 0.182x | -61.77% |
| 2020-12-31 | $97.72 Million | $46.56 Million | 0.476x | +432.03% |
| 2019-12-31 | $90.67 Million | $8.12 Million | 0.090x | -35.73% |
| 2018-12-31 | $64.46 Million | $8.98 Million | 0.139x | +25.71% |
| 2017-12-31 | $61.72 Million | $6.84 Million | 0.111x | +0.79% |
| 2016-12-31 | $57.93 Million | $6.37 Million | 0.110x | +23.39% |
| 2015-12-31 | $70.81 Million | $6.31 Million | 0.089x | +21.97% |
| 2014-12-31 | $68.79 Million | $5.03 Million | 0.073x | -38.93% |
| 2013-12-31 | $42.71 Million | $5.11 Million | 0.120x | +76.28% |
| 2012-12-31 | $40.75 Million | $2.77 Million | 0.068x | -35.94% |
| 2011-12-31 | $37.84 Million | $4.01 Million | 0.106x | -26.05% |
| 2010-12-31 | $30.59 Million | $4.38 Million | 0.143x | +280.56% |
| 2009-12-31 | $29.24 Million | $1.10 Million | 0.038x | -79.00% |
| 2008-12-31 | $19.50 Million | $3.50 Million | 0.179x | +33.11% |
| 2007-12-31 | $21.70 Million | $2.92 Million | 0.135x | +14.89% |
| 2006-12-31 | $20.85 Million | $2.44 Million | 0.117x | -76.90% |
| 2005-12-31 | $20.93 Million | $10.62 Million | 0.508x | +365.26% |
| 2004-12-31 | $21.83 Million | $2.38 Million | 0.109x | -30.00% |
| 2003-12-31 | $21.78 Million | $3.40 Million | 0.156x | -10.03% |
| 2002-12-31 | $23.23 Million | $4.02 Million | 0.173x | +218.22% |
| 2001-12-31 | $22.04 Million | $-3.23 Million | -0.147x | -201.65% |
| 2000-12-31 | $20.45 Million | $2.95 Million | 0.144x | -44.28% |
| 1999-12-31 | $20.10 Million | $5.20 Million | 0.259x | +1059.00% |
| 1998-12-31 | $22.40 Million | $500.00K | 0.022x | -81.03% |
| 1997-12-31 | $23.55 Million | $2.77 Million | 0.118x | +7.29% |
| 1996-12-31 | $21.39 Million | $2.35 Million | 0.110x | -- |
About Pathfinder Bancorp Inc
Pathfinder Bancorp, Inc. operates as a bank holding company for Pathfinder Bank that provides various banking and financial products and services in the United States. The company's deposit products include checking, savings, and money market deposit accounts; certificates of deposit; and demand and time deposits. Its loan portfolio comprises commercial real estate, commercial loans, residential … Read more