Pathfinder Bancorp Inc (PBHC) — Cash Flow Reinvestment Rate
Pathfinder Bancorp Inc (PBHC) has a Cash Flow Reinvestment Rate of 12.33x as of December 2025, reinvesting $32.91 Million (capex $1.50 Million plus investments $31.41 Million) from operating cash flow of $2.67 Million. Check Pathfinder Bancorp Inc earnings quality ratio to evaluate the quality of earnings relative to operating cash generation.
Reinvestment Rate
Total Reinvested
Operating Cash Flow
Capital Expenditures
Pathfinder Bancorp Inc Cash Flow Reinvestment Rate (1996–2025)
Historical reinvestment intensity for Pathfinder Bancorp Inc across 29 annual periods. Explore Pathfinder Bancorp Inc (PBHC) investment intensity to see how much of total assets are deployed in long-term investments.
Annual Cash Flow Reinvestment Rate for Pathfinder Bancorp Inc (1996–2025)
Year-by-year capital reinvestment analysis for Pathfinder Bancorp Inc. For live market cap and broader valuation context, see PBHC company net worth.
| Year | Reinvestment Rate | Total Reinvested (USD) | Operating CF | Capex | YoY Change |
|---|---|---|---|---|---|
| 2025 | 2.40x | $28.01 Million | $11.68 Million | $1.26 Million | ▼ -12.5% |
| 2024 | 2.74x | $30.73 Million | $11.21 Million | $8.33 Million | ▲ +42.7% |
| 2023 | 1.92x | $29.66 Million | $15.43 Million | $1.97 Million | ▼ -69.4% |
| 2022 | 6.27x | $136.37 Million | $21.73 Million | $5.21 Million | ▲ +126.9% |
| 2021 | 2.77x | $55.73 Million | $20.15 Million | $1.21 Million | ▼ -14.4% |
| 2020 | 3.23x | $150.48 Million | $46.56 Million | $1.26 Million | ▼ -84.2% |
| 2019 | 20.49x | $166.41 Million | $8.12 Million | $3.60 Million | ▲ +218.9% |
| 2018 | 6.43x | $57.72 Million | $8.98 Million | $5.69 Million | ▼ -67.7% |
| 2017 | 19.87x | $135.92 Million | $6.84 Million | $1.98 Million | ▲ +3.0% |
| 2016 | 19.28x | $122.82 Million | $6.37 Million | $1.36 Million | ▲ +572.9% |
| 2015 | 2.86x | $18.08 Million | $6.31 Million | $2.63 Million | ▼ -4.7% |
| 2014 | 3.01x | $15.12 Million | $5.03 Million | $2.36 Million | ▲ +19.1% |
| 2013 | 2.52x | $12.90 Million | $5.11 Million | $2.26 Million | ▼ -81.7% |
| 2012 | 13.82x | $38.22 Million | $2.77 Million | $192.00K | ▲ +275.2% |
| 2011 | 3.68x | $14.77 Million | $4.01 Million | $1.99 Million | ▲ +1.0% |
| 2010 | 3.65x | $15.98 Million | $4.38 Million | $2.93 Million | ▲ +948.2% |
| 2009 | 0.35x | $383.00K | $1.10 Million | $383.00K | ▲ +256.6% |
| 2008 | 0.10x | $341.00K | $3.50 Million | $341.00K | ▼ -69.8% |
| 2007 | 0.32x | $944.00K | $2.92 Million | $944.00K | ▲ +148.2% |
| 2006 | 0.13x | $318.00K | $2.44 Million | $318.00K | ▲ +21.5% |
| 2005 | 0.11x | $1.14 Million | $10.62 Million | $1.14 Million | ▼ -83.2% |
| 2004 | 0.64x | $1.52 Million | $2.38 Million | $1.52 Million | ▲ +38.0% |
| 2003 | 0.46x | $1.57 Million | $3.40 Million | $1.57 Million | ▲ +104.3% |
| 2002 | 0.23x | $911.27K | $4.02 Million | $911.27K | ▲ +112.6% |
| 2000 | 0.11x | $314.10K | $2.95 Million | $314.10K | ▼ -30.8% |
| 1999 | 0.15x | $800.00K | $5.20 Million | $800.00K | ▼ -92.3% |
| 1998 | 2.00x | $1.00 Million | $500.00K | $1.00 Million | ▲ +870.7% |
| 1997 | 0.21x | $571.07K | $2.77 Million | $571.07K | ▼ -40.5% |
| 1996 | 0.35x | $813.09K | $2.35 Million | $813.09K | — |