Pathfinder Bancorp Inc (PBHC) - Cash Flow Conversion Efficiency
Based on the latest financial reports, Pathfinder Bancorp Inc (PBHC) has a cash flow conversion efficiency ratio of -0.003x as of March 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 ($-427.00K) by net assets ($123.58 Million). A higher ratio indicates that the company is more efficient at using its equity to generate cash flow from its core operations. See net asset quality index of Pathfinder Bancorp Inc to measure how much of total assets are equity-financed.
Pathfinder Bancorp Inc - Cash Flow Conversion Efficiency Trend (1996–2025)
This chart illustrates how Pathfinder Bancorp Inc's cash flow conversion efficiency has evolved over time, based on yearly financial data. Check cash flow quality index of Pathfinder Bancorp Inc to evaluate the quality of earnings relative to operating cash generation.
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.
| Company | Cash Flow Conversion Efficiency |
|---|---|
|
Cell Biotech Co. Ltd
KQ:049960
|
0.033x |
|
Kalleback Property Invest AB
ST:KAPIAB
|
0.049x |
|
Houston American Energy Corporation
NYSE MKT:HUSA
|
-0.108x |
|
Visaka Industries Limited
NSE:VISAKAIND
|
0.060x |
|
Seoul Electronics & Telecom Co. Ltd
KQ:027040
|
-0.173x |
|
Ocean Power Technologies Inc
NYSE MKT:OPTT
|
-0.338x |
|
FPX Nickel Corp
V:FPX
|
-0.011x |
|
CSP Inc
NASDAQ:CSPI
|
-0.011x |
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. For the full company profile with market capitalisation and key ratios, see Pathfinder Bancorp Inc stock valuation.
| Year | Net Assets | Operating Cash Flow | Cash Flow Conversion Efficiency | Change |
|---|---|---|---|---|
| 2025-12-31 | $120.97 Million | $11.68 Million | 0.097x | +4.62% |
| 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