Pathfinder Bancorp Inc Cash Flow-to-Debt Ratio
Pathfinder Bancorp Inc cash flow-to-debt ratio. Pathfinder Bancorp Inc (PBHC) has a Cash Flow-to-Debt Ratio of 0.00x as of June 2026, meaning its operating cash flow of $2.53 Million could theoretically repay 0% of its total liabilities ($1.37 Billion) in one year. Check how high is Pathfinder Bancorp Inc's earnings quality to evaluate the quality of earnings relative to operating cash generation.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Cash Flow-to-Debt Ratio of Pathfinder Bancorp Inc (1996–2025)
Cash flow-to-debt ratio of Pathfinder Bancorp Inc from 1996 to 2025. Historical debt coverage capacity for Pathfinder Bancorp Inc across 30 annual periods. Check how aggressively does Pathfinder Bancorp Inc reinvest cash to assess the company's total reinvestment commitment from operating cash flow.
Pathfinder Bancorp Inc Cash Flow-to-Debt Ratio by Year (1996–2025)
Pathfinder Bancorp Inc cash flow-to-debt ratio by year from 1996 to 2025. Year-by-year debt coverage analysis for Pathfinder Bancorp Inc. For the full cash flow conversion analysis, see Pathfinder Bancorp Inc (PBHC) cash flow conversion.
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.01x | $11.28 Million | $1.30 Billion | ▲ +4.4% |
| 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 | — |