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 defensive interval ratio of Pathfinder Bancorp Inc to measure how many days the company can operate on defensive assets alone.
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.
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 |
|---|---|
|
Solitario Exploration & Royalty Corp
NYSE MKT:XPL
|
-0.019x |
|
Rangdong Light source and Vacuum flask JSC
VN:RAL
|
0.223x |
|
Quality Construction Products Public Company Limited
BK:Q-CON
|
0.032x |
|
LeonaBio, Inc.
NASDAQ:LONA
|
-0.424x |
|
United Radiant Technology
TWO:5315
|
0.044x |
|
Thac Ba Hydropower JSC
VN:TBC
|
0.057x |
|
Starry Sea Acquisition Corp Ordinary Shares
NASDAQ:SSEA
|
-0.010x |
|
Tacheng Real Estate Co Ltd
TWO:6171
|
-0.098x |
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 market cap and net worth.
| 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