Pathfinder Bancorp Inc (PBHC) — Financial Flexibility Index
Pathfinder Bancorp Inc (PBHC) has a Financial Flexibility Index of 0.01x as of September 2025. Free cash flow of $7.91 Million (operating CF $7.05 Million minus capex $861.00K) represents 0% of total liabilities ($1.35 Billion). Also explore PBHC shareholders equity momentum to track the company's year-over-year net asset growth rate.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Pathfinder Bancorp Inc Financial Flexibility Index (1996–2024)
Historical Financial Flexibility Index trend for Pathfinder Bancorp Inc across 29 annual periods. Check PBHC capital-intensive asset ratio to assess the company's strategic physical and investment asset allocation.
Annual Financial Flexibility Index for Pathfinder Bancorp Inc (1996–2024)
Year-by-year free cash flow to debt coverage for Pathfinder Bancorp Inc. For the full company profile including market capitalisation, see PBHC company net worth.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 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 | — |