Pathfinder Bancorp Inc (PBHC) — 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. See Pathfinder Bancorp Inc free cash flow generation to measure how efficiently the company converts operating cash flow to free cash.
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. For the full cash flow conversion analysis, see PBHC cash flow conversion.
Annual Cash Flow Reinvestment Rate for Pathfinder Bancorp Inc (1996–2025)
Year-by-year capital reinvestment analysis for Pathfinder Bancorp Inc. See Pathfinder Bancorp Inc financial flexibility index to measure the company's free cash flow as a share of total liabilities.
| 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 | — |