Pathfinder Bancorp Inc (PBHC) — Financial Flexibility Index
Pathfinder Bancorp Inc (PBHC) has a Financial Flexibility Index of 0.00x as of June 2026. Free cash flow of $2.78 Million (operating CF $2.53 Million minus capex $248.00K) represents 0% of total liabilities ($1.37 Billion). Check PBHC capex plus investments ratio to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Pathfinder Bancorp Inc Financial Flexibility Index (1996–2025)
Historical Financial Flexibility Index trend for Pathfinder Bancorp Inc across 30 annual periods. For the full cash flow conversion analysis, see cash efficiency ratio of Pathfinder Bancorp Inc.
Annual Financial Flexibility Index for Pathfinder Bancorp Inc (1996–2025)
Year-by-year free cash flow to debt coverage for Pathfinder Bancorp Inc. Explore PBHC debt coverage from operations to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.01x | $12.54 Million | $11.28 Million | $1.30 Billion | ▼ -33.4% |
| 2024 | 0.01x | $19.54 Million | $11.21 Million | $1.35 Billion | ▲ +11.7% |
| 2023 | 0.01x | $17.40 Million | $15.43 Million | $1.35 Billion | ▼ -38.1% |
| 2022 | 0.02x | $26.94 Million | $21.73 Million | $1.29 Billion | ▲ +14.9% |
| 2021 | 0.02x | $21.37 Million | $20.15 Million | $1.17 Billion | ▼ -57.0% |
| 2020 | 0.04x | $47.82 Million | $46.56 Million | $1.13 Billion | ▲ +262.4% |
| 2019 | 0.01x | $11.72 Million | $8.12 Million | $1.00 Billion | ▼ -30.9% |
| 2018 | 0.02x | $14.67 Million | $8.98 Million | $868.66 Million | ▲ +57.0% |
| 2017 | 0.01x | $8.82 Million | $6.84 Million | $819.53 Million | ▼ -3.8% |
| 2016 | 0.01x | $7.73 Million | $6.37 Million | $691.11 Million | ▼ -30.9% |
| 2015 | 0.02x | $8.94 Million | $6.31 Million | $552.45 Million | ▲ +7.9% |
| 2014 | 0.02x | $7.39 Million | $5.03 Million | $492.23 Million | ▼ -6.2% |
| 2013 | 0.02x | $7.37 Million | $5.11 Million | $461.08 Million | ▲ +136.3% |
| 2012 | 0.01x | $2.96 Million | $2.77 Million | $437.05 Million | ▼ -54.3% |
| 2011 | 0.01x | $6.00 Million | $4.01 Million | $405.14 Million | ▼ -23.4% |
| 2010 | 0.02x | $7.31 Million | $4.38 Million | $377.95 Million | ▲ +346.4% |
| 2009 | 0.00x | $1.48 Million | $1.10 Million | $342.45 Million | ▼ -62.4% |
| 2008 | 0.01x | $3.84 Million | $3.50 Million | $333.26 Million | ▼ -11.0% |
| 2007 | 0.01x | $3.87 Million | $2.92 Million | $298.99 Million | ▲ +31.4% |
| 2006 | 0.01x | $2.76 Million | $2.44 Million | $280.53 Million | ▼ -76.9% |
| 2005 | 0.04x | $11.76 Million | $10.62 Million | $276.02 Million | ▲ +206.0% |
| 2004 | 0.01x | $3.90 Million | $2.38 Million | $280.21 Million | ▼ -28.2% |
| 2003 | 0.02x | $4.97 Million | $3.40 Million | $256.16 Million | ▲ +0.5% |
| 2002 | 0.02x | $4.94 Million | $4.02 Million | $255.83 Million | ▲ +275.4% |
| 2001 | -0.01x | $-2.45 Million | $-3.23 Million | $222.33 Million | ▼ -171.3% |
| 2000 | 0.02x | $3.26 Million | $2.95 Million | $211.39 Million | ▼ -49.5% |
| 1999 | 0.03x | $6.00 Million | $5.20 Million | $196.20 Million | ▲ +269.0% |
| 1998 | 0.01x | $1.50 Million | $500.00K | $181.00 Million | ▼ -57.1% |
| 1997 | 0.02x | $3.34 Million | $2.77 Million | $173.22 Million | ▲ +3.0% |
| 1996 | 0.02x | $3.16 Million | $2.35 Million | $168.55 Million | — |