Pathfinder Bancorp, Inc. (PBHC)

Pathfinder Bancorp Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	7.54	3.38	9.29	12.93	12.41	6.95
Depreciation & Amortization	2.19	0.95	3.04	3.26	6.22	4.32
Provision for Credit Losses	6.14	10.97	2.93	2.75	1.02	4.71
Stock-Based Compensation	0.74	0.25	0.46	0.63	0.62	0.57
Net Change in Loans Held-for-Sale	0.31	0.15	0.24	0.63	1.33	35.59
Other Adjustments	-2.25	-2.31	-0.99	-0.52	-1.01	-3.39
Changes in Accrued Interest and Accounts Receivable	0.31	0.41	-1.12	-1.65	0.03	-0.84
Changes in Other Operating Activities	-6.66	-2.59	1.58	3.7	-0.45	-1.35
Operating Cash Flow	6.35	11.21	15.43	21.73	20.15	46.56
Operating Cash Flow Growth	-71.50%	-27.37%	-28.99%	7.83%	-56.72%	473.41%
Net Change in Loans Held-for-Investment	15.61	-31.23	-1.79	-66.3	-9.65	-81.16
Net Change in Securities and Investments	-2.55	12.84	-51.35	-60.71	-54.32	-66.93
Proceeds from Business Divestments	-	1.16	-	-	-	-
Capital Expenditures	-1.43	-2.06	-1.97	-5.21	-1.21	-1.26
Purchases of Intangible Assets	-	-6.27	-	-	-	-
Sale of Property, Plant & Equipment	-	3.17	0.32	1.06	0.23	0.13
Other Investing Activities	-	-	-	-	-5	-
Investing Cash Flow	15.95	-22.4	-54.79	-131.16	-69.95	-149.22
Net Change in Deposits	28.87	84.46	-5.36	70.08	59.44	114.01
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	-22.32	-64.68	65.35	47.83	8.48	-21.12
Long-Term Debt Issued	16.24	10.7	6.27	9.29	12.54	65.24
Long-Term Debt Repaid	-31.96	-33.55	-12.02	-18.23	-35.97	-30.19
Net Long-Term Debt Issued (Repaid)	-19.75	-22.85	-5.75	-8.93	-23.43	35.04
Issuance of Common Stock	0.82	0.29	0.62	0.42	0.55	0.22
Net Common Stock Issued (Repurchased)	0.82	0.29	0.62	0.42	0.55	0.22
Common Dividends Paid	-2.5	-2.43	-2.23	-2.08	-1.46	-1.17
Preferred Share Dividends Paid	-	-	-	-	-0.18	-0.28
Other Financing Activities	-0.85	-0.76	0.18	0.24	0.08	-0.75
Financing Cash Flow	-17.05	-5.97	52.81	107.56	43.48	125.97
Net Cash Flow	5.25	-17.16	13.45	-1.87	-6.32	23.3
Free Cash Flow	4.93	9.15	13.47	16.52	18.94	45.3
Free Cash Flow Growth	-46.16%	-32.07%	-18.51%	-12.77%	-58.18%	901.33%
FCF Margin	11.09%	23.11%	32.70%	37.08%	43.54%	135.54%
Free Cash Flow Per Share	1.03	1.94	-	-	-	-
Levered Free Cash Flow	-13.77	-22.77	5.08	4.1	-6.44	42.86
Unlevered Free Cash Flow	-5.59	-3.3	1.53	0.1	4.58	0.87

Updated Nov 14, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q