Pathfinder Bancorp Inc Cash Flow Reinvestment Rate
Pathfinder Bancorp Inc cash flow reinvestment rate. Pathfinder Bancorp Inc (PBHC) has a Cash Flow Reinvestment Rate of 32.87x as of June 2026, reinvesting $83.24 Million (capex $248.00K plus investments $-82.99 Million) from operating cash flow of $2.53 Million. Explore Pathfinder Bancorp Inc debt service capacity to assess how comfortably operating cash covers total debt obligations.
Reinvestment Rate
Total Reinvested
Operating Cash Flow
Capital Expenditures
Cash Flow Reinvestment Rate of Pathfinder Bancorp Inc (1996–2025)
Cash flow reinvestment rate of Pathfinder Bancorp Inc from 1996 to 2025. Historical reinvestment intensity for Pathfinder Bancorp Inc across 29 annual periods. Explore capital reinvestment ratio of Pathfinder Bancorp Inc to see what proportion of operating cash flow is directed to capital expenditures.
Pathfinder Bancorp Inc Cash Flow Reinvestment Rate by Year (1996–2025)
Pathfinder Bancorp Inc cash flow reinvestment rate by year from 1996 to 2025. Year-by-year capital reinvestment analysis for Pathfinder Bancorp Inc. For the full cash flow conversion analysis, see cash flow conversion of Pathfinder Bancorp Inc.
| Year | Reinvestment Rate | Total Reinvested (USD) | Operating CF | Capex | YoY Change |
|---|---|---|---|---|---|
| 2025 | 2.48x | $28.01 Million | $11.28 Million | $1.26 Million | ▼ -9.4% |
| 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 | — |