Pathfinder Bancorp Inc (PBHC) — Financial Flexibility Index
Pathfinder Bancorp Inc (PBHC) has a Financial Flexibility Index of 0.00x as of March 2026. Free cash flow of $-179.00K (operating CF $-427.00K minus capex $248.00K) represents 0% of total liabilities ($1.30 Billion). Check how strategically is Pathfinder Bancorp Inc's equity deployed to assess the company's strategic physical and investment asset allocation.
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. See Pathfinder Bancorp Inc (PBHC) liquidity to equity ratio to evaluate short-term liquidity relative to the company's equity base.
Annual Financial Flexibility Index for Pathfinder Bancorp Inc (1996–2025)
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 |
|---|---|---|---|---|---|
| 2025 | 0.01x | $12.94 Million | $11.68 Million | $1.30 Billion | ▼ -31.3% |
| 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 | — |