Pathfinder Bancorp Inc Cash Flow Quality Index
Pathfinder Bancorp Inc cash flow quality index. Pathfinder Bancorp Inc (PBHC) has a Cash Flow Quality Index of 0.95x as of June 2026. Operating cash flow of $2.53 Million is below net income of $2.67 Million, suggesting accrual-heavy earnings not yet converted to cash. See Pathfinder Bancorp Inc (PBHC) flexibility index to measure the company's free cash flow as a share of total liabilities.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Cash Flow Quality Index of Pathfinder Bancorp Inc (1996–2025)
Cash flow quality index of Pathfinder Bancorp Inc from 1996 to 2025. Historical Cash Flow Quality Index for Pathfinder Bancorp Inc across 30 annual periods. Values consistently above 1.0x indicate high-quality earnings. Explore cash flow to debt ratio of Pathfinder Bancorp Inc to assess how comfortably operating cash covers total debt obligations.
Pathfinder Bancorp Inc Cash Flow Quality Index by Year (1996–2025)
Pathfinder Bancorp Inc cash flow quality index by year from 1996 to 2025. Year-by-year earnings quality comparison for Pathfinder Bancorp Inc. For the full cash flow conversion analysis, see Pathfinder Bancorp Inc cash flow conversion.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 4.33x | $11.28 Million | $2.60 Million | ▲ +30.6% |
| 2024 | 3.31x | $11.21 Million | $3.38 Million | ▲ +99.5% |
| 2023 | 1.66x | $15.43 Million | $9.29 Million | ▼ -1.2% |
| 2022 | 1.68x | $21.73 Million | $12.93 Million | ▲ +3.5% |
| 2021 | 1.62x | $20.15 Million | $12.41 Million | ▼ -75.8% |
| 2020 | 6.70x | $46.56 Million | $6.95 Million | ▲ +252.8% |
| 2019 | 1.90x | $8.12 Million | $4.28 Million | ▼ -14.8% |
| 2018 | 2.23x | $8.98 Million | $4.03 Million | ▲ +13.7% |
| 2017 | 1.96x | $6.84 Million | $3.49 Million | ▲ +0.7% |
| 2016 | 1.95x | $6.37 Million | $3.27 Million | ▼ -10.9% |
| 2015 | 2.18x | $6.31 Million | $2.89 Million | ▲ +19.3% |
| 2014 | 1.83x | $5.03 Million | $2.75 Million | ▼ -13.8% |
| 2013 | 2.12x | $5.11 Million | $2.41 Million | ▲ +103.4% |
| 2012 | 1.04x | $2.77 Million | $2.65 Million | ▼ -39.5% |
| 2011 | 1.73x | $4.01 Million | $2.32 Million | ▼ -1.4% |
| 2010 | 1.75x | $4.38 Million | $2.50 Million | ▲ +156.7% |
| 2009 | 0.68x | $1.10 Million | $1.61 Million | ▼ -92.8% |
| 2008 | 9.50x | $3.50 Million | $368.00K | ▲ +264.5% |
| 2007 | 2.61x | $2.92 Million | $1.12 Million | ▲ +9.6% |
| 2006 | 2.38x | $2.44 Million | $1.03 Million | ▼ -89.7% |
| 2005 | 22.99x | $10.62 Million | $462.00K | ▲ +1256.7% |
| 2004 | 1.69x | $2.38 Million | $1.41 Million | ▼ -17.6% |
| 2003 | 2.06x | $3.40 Million | $1.65 Million | ▼ -40.9% |
| 2002 | 3.48x | $4.02 Million | $1.16 Million | ▲ +272.7% |
| 2001 | -2.01x | $-3.23 Million | $1.60 Million | ▼ -124.3% |
| 2000 | 8.29x | $2.95 Million | $355.88K | ▲ +43.4% |
| 1999 | 5.78x | $5.20 Million | $900.00K | ▲ +1286.7% |
| 1998 | 0.42x | $500.00K | $1.20 Million | ▼ -72.1% |
| 1997 | 1.49x | $2.77 Million | $1.85 Million | ▼ -19.0% |
| 1996 | 1.84x | $2.35 Million | $1.27 Million | — |