Pathfinder Bancorp Inc Financial Flexibility Index
Pathfinder Bancorp Inc 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). See free cash flow generation of Pathfinder Bancorp Inc to measure how efficiently the company converts operating cash flow to free cash.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Financial Flexibility Index of Pathfinder Bancorp Inc (1996–2025)
Financial flexibility index of Pathfinder Bancorp Inc from 1996 to 2025. Historical Financial Flexibility Index trend for Pathfinder Bancorp Inc across 30 annual periods. Check cash flow quality index of Pathfinder Bancorp Inc to evaluate the quality of earnings relative to operating cash generation.
Pathfinder Bancorp Inc Financial Flexibility Index by Year (1996–2025)
Pathfinder Bancorp Inc financial flexibility index by year from 1996 to 2025. Year-by-year free cash flow to debt coverage for Pathfinder Bancorp Inc. For the full cash flow conversion analysis, see Pathfinder Bancorp Inc cash flow conversion.
| 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 | — |