Pathfinder Bancorp Inc (PBHC) — Free Cash Flow Generation Index
Pathfinder Bancorp Inc (PBHC) has a Free Cash Flow Generation Index of 1.10x as of June 2026. Free cash flow of $2.78 Million represents 1% of operating cash flow ($2.53 Million). Explore Pathfinder Bancorp Inc (PBHC) capital reinvestment to see what proportion of operating cash flow is directed to capital expenditures.
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. For the full cash flow conversion analysis, see Pathfinder Bancorp Inc (PBHC) cash conversion ratio.
Annual Free Cash Flow Generation for Pathfinder Bancorp Inc (1996–2025)
Year-by-year Free Cash Flow Generation Index for Pathfinder Bancorp Inc. Check how aggressively does Pathfinder Bancorp Inc reinvest cash to assess the company's total reinvestment commitment from operating cash flow.
| Year | FCG Index | Free Cash Flow (USD) | Operating CF | Capital Expenditures | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.89x | $10.02 Million | $11.28 Million | $1.26 Million | ▲ +246.2% |
| 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 | — |