Pathfinder Bancorp Inc (PBHC) — Cash Flow Quality Index
Pathfinder Bancorp Inc (PBHC) has a Cash Flow Quality Index of 11.26x as of September 2025. Operating cash flow of $7.05 Million exceeds net income of $626.00K, indicating high earnings quality where cash backs reported profits. Explore Pathfinder Bancorp Inc (PBHC) investment intensity to see how much of total assets are deployed in long-term investments.
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 tangible net worth ratio of Pathfinder Bancorp Inc to evaluate the tangible quality of the company's equity base.
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 market cap.
| 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 | — |