Pathfinder Bancorp, Inc. (PBHC)

Pathfinder Bancorp Cash Flow Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	3.38	9.29	12.93	12.41	6.95
Depreciation & Amortization	1.56	1.38	1.07	1.82	1.38
Other Amortization	0.19	0.18	0.17	1.98	0.84
Gain (Loss) on Sale of Assets	-1.53	0.04	-0.13	-0.2	0.01
Gain (Loss) on Sale of Investments	-0.41	1.98	1.82	2	1.66
Total Asset Writedown	-	-	0.38	-	-
Provision for Credit Losses	10.97	2.93	2.75	1.02	4.71
Net Decrease (Increase) in Loans Originated / Sold - Operating	0.15	0.24	0.63	1.33	35.59
Accrued Interest Receivable	0.41	-1.12	-1.65	0.03	-0.84
Change in Other Net Operating Assets	-2.59	1.58	3.7	-0.45	-1.35
Other Operating Activities	-1.02	-1.3	-0.44	-0.08	-1.77
Operating Cash Flow	11.21	15.43	21.73	20.15	46.56
Operating Cash Flow Growth	-27.37%	-28.99%	7.83%	-56.72%	473.41%
Capital Expenditures	-2.06	-1.97	-5.21	-1.21	-1.26
Sale of Property, Plant and Equipment	3.01	-	0.99	0.23	-
Investment in Securities	8.68	-48.58	-58.91	-54.52	-67.38
Divestitures	1.16	-	-	-	-
Purchase / Sale of Intangibles	-6.27	-	-	-	-
Net Decrease (Increase) in Loans Originated / Sold - Investing	-31.23	-1.79	-66.3	-9.65	-81.16
Other Investing Activities	4.33	-2.45	-1.73	-4.8	0.58
Investing Cash Flow	-22.4	-54.79	-131.16	-69.95	-149.22
Short-Term Debt Issued	-	65.35	47.83	8.48	-
Long-Term Debt Issued	10.7	6.27	9.29	12.54	65.24
Total Debt Issued	10.7	71.62	57.13	21.02	65.24
Short-Term Debt Repaid	-64.68	-	-	-	-21.12
Long-Term Debt Repaid	-33.55	-12.02	-18.23	-35.97	-30.19
Total Debt Repaid	-98.23	-12.02	-18.23	-35.97	-51.31
Net Debt Issued (Repaid)	-87.53	59.6	38.9	-14.95	13.93
Issuance of Common Stock	0.29	0.62	0.42	0.55	0.22
Common Dividends Paid	-2.38	-2.19	-2.04	-1.42	-1.14
Preferred Dividends Paid	-	-	-	-0.18	-0.28
Total Dividends Paid	-2.38	-2.19	-2.04	-1.6	-1.41
Net Increase (Decrease) in Deposit Accounts	84.46	-5.36	70.08	59.44	114.01
Other Financing Activities	-0.81	0.13	0.2	0.05	-0.78
Financing Cash Flow	-5.97	52.81	107.56	43.48	125.97
Net Cash Flow	-17.16	13.45	-1.87	-6.32	23.3
Free Cash Flow	9.15	13.47	16.52	18.94	45.3
Free Cash Flow Growth	-32.07%	-18.51%	-12.77%	-58.18%	901.33%
Free Cash Flow Margin	23.11%	32.70%	37.08%	43.54%	135.54%
Free Cash Flow Per Share	1.50	2.23	2.78	3.63	9.83
Cash Interest Paid	38.62	27.47	1.75	7.44	11.07
Cash Income Tax Paid	0.6	3.16	3.22	2.46	2.65

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q