Pathfinder Bancorp Inc (PBHC) — Free Cash Flow Generation Index
Pathfinder Bancorp Inc (PBHC) has a Free Cash Flow Generation Index of 0.44x as of December 2025. Free cash flow of $1.17 Million represents 0% of operating cash flow ($2.67 Million). Read PBHC total liabilities for a breakdown of total debt and financial obligations.
FCF Generation Index
Free Cash Flow
Operating Cash Flow
Capital Expenditures
Pathfinder Bancorp Inc Free Cash Flow Generation Index (1996–2025)
Historical FCF Generation Index trend for Pathfinder Bancorp Inc across 29 annual periods. Explore PBHC capital reinvestment ratio to see what proportion of operating cash flow is directed to capital expenditures.
Annual Free Cash Flow Generation for Pathfinder Bancorp Inc (1996–2025)
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 |
|---|---|---|---|---|---|
| 2025 | 0.89x | $10.42 Million | $11.68 Million | $1.26 Million | ▲ +247.7% |
| 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 | — |