Pathfinder Bancorp Inc (PBHC) — Cash Flow Quality Index
Pathfinder Bancorp Inc (PBHC) has a Cash Flow Quality Index of -0.71x as of March 2026. Operating cash flow of $-427.00K is below net income of $604.00K, suggesting accrual-heavy earnings not yet converted to cash. Explore Pathfinder Bancorp Inc operating cash flow efficiency to assess how effectively this company generates cash.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Pathfinder Bancorp Inc Cash Flow Quality Index (1996–2024)
Historical Cash Flow Quality Index for Pathfinder Bancorp Inc across 29 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check PBHC cash flow reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
Annual Cash Flow Quality Index for Pathfinder Bancorp Inc (1996–2024)
Year-by-year earnings quality comparison for Pathfinder Bancorp Inc. For live market cap and the full company financial profile, see PBHC stock market capitalisation.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 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 | — |