Pathfinder Bancorp Inc (PBHC) — Working Capital to Net Assets Ratio
Pathfinder Bancorp Inc (PBHC) has a Working Capital to Net Assets ratio of 924.1% as of December 2025. Working capital of $1.12 Billion (current assets of $1.16 Billion minus current liabilities of $44.00 Million) is measured against net assets of $120.97 Million. A higher ratio indicates strong short-term liquidity financed by the equity base. See Pathfinder Bancorp Inc (PBHC) net asset quality to measure how much of total assets are equity-financed.
WC/NA Ratio
Working Capital
Current Assets
Current Liabilities
Pathfinder Bancorp Inc Working Capital to Net Assets (1996–2025)
This chart shows how Pathfinder Bancorp Inc's Working Capital to Net Assets ratio has evolved across 30 annual periods from 1996 to 2025. As of December 2025, the ratio stands at 924.1%, reflecting working capital of $1.12 Billion against net assets of $120.97 Million USD. Check PBHC intangible-adjusted equity ratio to evaluate the tangible quality of the company's equity base.
Annual Working Capital to Net Assets for Pathfinder Bancorp Inc (1996–2025)
The table below presents the year-by-year Working Capital to Net Assets ratio for Pathfinder Bancorp Inc from 1996 to 2025, covering 30 annual filings. Each row shows current assets, current liabilities, working capital, net assets, the ratio, and the change in percentage points compared to the prior year. For live market cap and the full company profile, see Pathfinder Bancorp Inc (PBHC) market capitalisation.
| Year | WC/NA Ratio | Working Capital (USD) | Net Assets | Current Assets | Current Liabilities | Change (pp) |
|---|---|---|---|---|---|---|
| 2025 | 924.1% | $1.12 Billion | $120.97 Million | $1.16 Billion | $44.00 Million | ▲ +1713.0 pp |
| 2024 | -788.8% | $-958.29 Million | $121.48 Million | $307.78 Million | $1.27 Billion | ▼ -12.8 pp |
| 2023 | -776.1% | $-933.26 Million | $120.26 Million | $314.73 Million | $1.25 Billion | ▲ +78.5 pp |
| 2022 | -854.6% | $-953.56 Million | $111.58 Million | $233.18 Million | $1.19 Billion | ▼ -99.2 pp |
| 2021 | -755.4% | $-835.68 Million | $110.63 Million | $232.27 Million | $1.07 Billion | ▲ +87.7 pp |
| 2020 | -843.1% | $-823.85 Million | $97.72 Million | $176.27 Million | $1.00 Billion | ▲ +8.9 pp |
| 2019 | -851.9% | $-772.42 Million | $90.67 Million | $135.01 Million | $907.43 Million | ▲ +15.8 pp |
| 2018 | -867.7% | $-559.32 Million | $64.46 Million | $207.05 Million | $766.36 Million | ▲ +36.7 pp |
| 2017 | -904.4% | $-558.21 Million | $61.72 Million | $196.18 Million | $754.39 Million | ▼ -65.3 pp |
| 2016 | -839.1% | $-486.10 Million | $57.93 Million | $166.91 Million | $653.00 Million | ▼ -275.5 pp |
| 2015 | -563.6% | $-399.07 Million | $70.81 Million | $116.24 Million | $515.31 Million | ▼ -26.6 pp |
| 2014 | -537.1% | $-369.45 Million | $68.79 Million | $101.28 Million | $470.73 Million | ▲ +246.0 pp |
| 2013 | -783.1% | $-334.48 Million | $42.71 Million | $99.75 Million | $434.23 Million | ▼ -95.4 pp |
| 2012 | -687.7% | $-280.22 Million | $40.75 Million | $120.72 Million | $400.94 Million | ▼ -21.8 pp |
| 2011 | -665.9% | $-251.98 Million | $37.84 Million | $114.30 Million | $366.27 Million | ▲ +393.8 pp |
| 2010 | -1059.7% | $-324.18 Million | $30.59 Million | $15.47 Million | $339.65 Million | ▼ -99.5 pp |
| 2009 | -960.1% | $-280.73 Million | $29.24 Million | $16.11 Million | $296.84 Million | ▲ +464.1 pp |
| 2008 | -1424.2% | $-277.66 Million | $19.50 Million | $9.36 Million | $287.01 Million | ▼ -237.4 pp |
| 2007 | -1186.9% | $-257.60 Million | $21.70 Million | $11.89 Million | $269.49 Million | ▼ -83.0 pp |
| 2006 | -1103.9% | $-230.17 Million | $20.85 Million | $15.42 Million | $245.59 Million | ▼ -10.6 pp |
| 2005 | -1093.3% | $-228.80 Million | $20.93 Million | $9.57 Million | $238.38 Million | ▼ -76.9 pp |
| 2004 | -1016.4% | $-221.84 Million | $21.83 Million | $15.83 Million | $237.67 Million | ▼ -102.9 pp |
| 2003 | -913.5% | $-199.01 Million | $21.78 Million | $9.99 Million | $208.99 Million | ▼ -98.0 pp |
| 2002 | -815.5% | $-189.45 Million | $23.23 Million | $15.07 Million | $204.52 Million | ▼ -87.1 pp |
| 2001 | -728.5% | $-160.53 Million | $22.04 Million | $9.06 Million | $169.59 Million | ▲ +32.4 pp |
| 2000 | -760.8% | $-155.63 Million | $20.45 Million | $5.83 Million | $161.46 Million | ▼ -31.0 pp |
| 1999 | -729.9% | $-146.70 Million | $20.10 Million | $5.70 Million | $152.40 Million | ▼ -49.0 pp |
| 1998 | -680.8% | $-152.50 Million | $22.40 Million | $7.70 Million | $160.20 Million | ▼ -58.3 pp |
| 1997 | -622.5% | $-146.62 Million | $23.55 Million | $5.78 Million | $152.40 Million | ▲ +74.9 pp |
| 1996 | -697.4% | $-149.18 Million | $21.39 Million | $9.82 Million | $159.00 Million | — |