Pathfinder Bancorp Inc (PBHC) — Cash Flow-to-Debt Ratio
Pathfinder Bancorp Inc (PBHC) has a Cash Flow-to-Debt Ratio of 0.01x as of September 2025, meaning its operating cash flow of $7.05 Million could theoretically repay 0% of its total liabilities ($1.35 Billion) in one year. See Pathfinder Bancorp Inc free cash flow generation to measure how efficiently the company converts operating cash flow to free cash.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Pathfinder Bancorp Inc Cash Flow-to-Debt Ratio (1996–2024)
Historical debt coverage capacity for Pathfinder Bancorp Inc across 29 annual periods. Also explore net asset momentum of Pathfinder Bancorp Inc to track the company's year-over-year net asset growth rate.
Annual Cash Flow-to-Debt Ratio for Pathfinder Bancorp Inc (1996–2024)
Year-by-year debt coverage analysis for Pathfinder Bancorp Inc. For market capitalisation and broader financial context, see Pathfinder Bancorp Inc (PBHC) total market value.
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2024 | 0.01x | $11.21 Million | $1.35 Billion | ▼ -27.8% |
| 2023 | 0.01x | $15.43 Million | $1.35 Billion | ▼ -32.0% |
| 2022 | 0.02x | $21.73 Million | $1.29 Billion | ▼ -1.7% |
| 2021 | 0.02x | $20.15 Million | $1.17 Billion | ▼ -58.4% |
| 2020 | 0.04x | $46.56 Million | $1.13 Billion | ▲ +409.0% |
| 2019 | 0.01x | $8.12 Million | $1.00 Billion | ▼ -21.7% |
| 2018 | 0.01x | $8.98 Million | $868.66 Million | ▲ +23.9% |
| 2017 | 0.01x | $6.84 Million | $819.53 Million | ▼ -9.4% |
| 2016 | 0.01x | $6.37 Million | $691.11 Million | ▼ -19.3% |
| 2015 | 0.01x | $6.31 Million | $552.45 Million | ▲ +11.9% |
| 2014 | 0.01x | $5.03 Million | $492.23 Million | ▼ -7.9% |
| 2013 | 0.01x | $5.11 Million | $461.08 Million | ▲ +75.1% |
| 2012 | 0.01x | $2.77 Million | $437.05 Million | ▼ -36.1% |
| 2011 | 0.01x | $4.01 Million | $405.14 Million | ▼ -14.7% |
| 2010 | 0.01x | $4.38 Million | $377.95 Million | ▲ +260.8% |
| 2009 | 0.00x | $1.10 Million | $342.45 Million | ▼ -69.4% |
| 2008 | 0.01x | $3.50 Million | $333.26 Million | ▲ +7.3% |
| 2007 | 0.01x | $2.92 Million | $298.99 Million | ▲ +12.2% |
| 2006 | 0.01x | $2.44 Million | $280.53 Million | ▼ -77.4% |
| 2005 | 0.04x | $10.62 Million | $276.02 Million | ▲ +352.9% |
| 2004 | 0.01x | $2.38 Million | $280.21 Million | ▼ -35.9% |
| 2003 | 0.01x | $3.40 Million | $256.16 Million | ▼ -15.7% |
| 2002 | 0.02x | $4.02 Million | $255.83 Million | ▲ +208.3% |
| 2001 | -0.01x | $-3.23 Million | $222.33 Million | ▼ -204.1% |
| 2000 | 0.01x | $2.95 Million | $211.39 Million | ▼ -47.4% |
| 1999 | 0.03x | $5.20 Million | $196.20 Million | ▲ +859.4% |
| 1998 | 0.00x | $500.00K | $181.00 Million | ▼ -82.7% |
| 1997 | 0.02x | $2.77 Million | $173.22 Million | ▲ +15.0% |
| 1996 | 0.01x | $2.35 Million | $168.55 Million | — |