Pathfinder Bancorp Inc (PBHC) — Free Cash Flow Generation Index
Pathfinder Bancorp Inc (PBHC) has a Free Cash Flow Generation Index of 1.12x as of September 2025. Free cash flow of $7.91 Million represents 1% of operating cash flow ($7.05 Million). See working capital position of Pathfinder Bancorp Inc to evaluate short-term liquidity relative to the company's equity base.
FCF Generation Index
Free Cash Flow
Operating Cash Flow
Capital Expenditures
Pathfinder Bancorp Inc Free Cash Flow Generation Index (1996–2024)
Historical FCF Generation Index trend for Pathfinder Bancorp Inc across 28 annual periods. Explore Pathfinder Bancorp Inc (PBHC) cash flow to debt to assess how comfortably operating cash covers total debt obligations.
Annual Free Cash Flow Generation for Pathfinder Bancorp Inc (1996–2024)
Year-by-year Free Cash Flow Generation Index for Pathfinder Bancorp Inc. For the full company profile including market capitalisation, see market value of Pathfinder Bancorp Inc.
| Year | FCG Index | Free Cash Flow (USD) | Operating CF | Capital Expenditures | YoY Change |
|---|---|---|---|---|---|
| 2024 | 0.26x | $2.88 Million | $11.21 Million | $8.33 Million | ▼ -70.6% |
| 2023 | 0.87x | $13.47 Million | $15.43 Million | $1.97 Million | ▲ +14.8% |
| 2022 | 0.76x | $16.52 Million | $21.73 Million | $5.21 Million | ▼ -19.1% |
| 2021 | 0.94x | $18.94 Million | $20.15 Million | $1.21 Million | ▼ -3.4% |
| 2020 | 0.97x | $45.30 Million | $46.56 Million | $1.26 Million | ▲ +74.6% |
| 2019 | 0.56x | $4.52 Million | $8.12 Million | $3.60 Million | ▲ +52.1% |
| 2018 | 0.37x | $3.29 Million | $8.98 Million | $5.69 Million | ▼ -48.5% |
| 2017 | 0.71x | $4.87 Million | $6.84 Million | $1.98 Million | ▼ -9.5% |
| 2016 | 0.79x | $5.01 Million | $6.37 Million | $1.36 Million | ▲ +34.9% |
| 2015 | 0.58x | $3.68 Million | $6.31 Million | $2.63 Million | ▲ +9.9% |
| 2014 | 0.53x | $2.67 Million | $5.03 Million | $2.36 Million | ▼ -4.8% |
| 2013 | 0.56x | $2.85 Million | $5.11 Million | $2.26 Million | ▼ -40.1% |
| 2012 | 0.93x | $2.57 Million | $2.77 Million | $192.00K | ▲ +85.0% |
| 2011 | 0.50x | $2.02 Million | $4.01 Million | $1.99 Million | ▲ +51.5% |
| 2010 | 0.33x | $1.46 Million | $4.38 Million | $2.93 Million | ▼ -49.1% |
| 2009 | 0.65x | $718.00K | $1.10 Million | $383.00K | ▼ -27.7% |
| 2008 | 0.90x | $3.15 Million | $3.50 Million | $341.00K | ▲ +33.3% |
| 2007 | 0.68x | $1.98 Million | $2.92 Million | $944.00K | ▼ -22.2% |
| 2006 | 0.87x | $2.13 Million | $2.44 Million | $318.00K | ▼ -2.6% |
| 2005 | 0.89x | $9.48 Million | $10.62 Million | $1.14 Million | ▲ +146.9% |
| 2004 | 0.36x | $861.00K | $2.38 Million | $1.52 Million | ▼ -32.7% |
| 2003 | 0.54x | $1.82 Million | $3.40 Million | $1.57 Million | ▼ -30.5% |
| 2002 | 0.77x | $3.11 Million | $4.02 Million | $911.27K | ▼ -13.4% |
| 2000 | 0.89x | $2.63 Million | $2.95 Million | $314.10K | ▲ +5.6% |
| 1999 | 0.85x | $4.40 Million | $5.20 Million | $800.00K | ▲ +184.6% |
| 1998 | -1.00x | $-500.00K | $500.00K | $1.00 Million | ▼ -226.0% |
| 1997 | 0.79x | $2.20 Million | $2.77 Million | $571.07K | ▲ +21.5% |
| 1996 | 0.65x | $1.53 Million | $2.35 Million | $813.09K | — |