Pathfinder Bancorp Inc (PBHC) — 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. Explore Pathfinder Bancorp Inc cash flow to debt ratio to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Pathfinder Bancorp Inc Cash Flow Quality Index (1996–2025)
Historical Cash Flow Quality Index for Pathfinder Bancorp Inc across 30 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see how efficiently does Pathfinder Bancorp Inc generate cash.
Annual Cash Flow Quality Index for Pathfinder Bancorp Inc (1996–2025)
Year-by-year earnings quality comparison for Pathfinder Bancorp Inc.
| 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 | — |