Pathfinder Bancorp Inc (PBHC) — Cash Flow Reinvestment Rate
Pathfinder Bancorp Inc (PBHC) has a Cash Flow Reinvestment Rate of 5.68x as of September 2025, reinvesting $40.03 Million (capex $861.00K plus investments $39.16 Million) from operating cash flow of $7.05 Million. Explore Pathfinder Bancorp Inc (PBHC) capital reinvestment to see what proportion of operating cash flow is directed to capital expenditures.
Reinvestment Rate
Total Reinvested
Operating Cash Flow
Capital Expenditures
Pathfinder Bancorp Inc Cash Flow Reinvestment Rate (1996–2024)
Historical reinvestment intensity for Pathfinder Bancorp Inc across 28 annual periods. Also explore PBHC total assets for the complete picture of this company's asset base.
Annual Cash Flow Reinvestment Rate for Pathfinder Bancorp Inc (1996–2024)
Year-by-year capital reinvestment analysis for Pathfinder Bancorp Inc. For live market cap and broader valuation context, see how much is Pathfinder Bancorp Inc worth.
| Year | Reinvestment Rate | Total Reinvested (USD) | Operating CF | Capex | YoY Change |
|---|---|---|---|---|---|
| 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 | — |