Pathfinder Bancorp Inc (PBHC) — 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. See how financially flexible is Pathfinder Bancorp Inc to measure the company's free cash flow as a share of total liabilities.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Pathfinder Bancorp Inc Cash Flow-to-Debt Ratio (1996–2025)
Historical debt coverage capacity for Pathfinder Bancorp Inc across 30 annual periods. For the full cash flow conversion analysis, see Pathfinder Bancorp Inc cash conversion from operations.
Annual Cash Flow-to-Debt Ratio for Pathfinder Bancorp Inc (1996–2025)
Year-by-year debt coverage analysis for Pathfinder Bancorp Inc. Check cash flow quality index of Pathfinder Bancorp Inc to evaluate the quality of earnings relative to operating cash generation.
| 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 | — |