Pathfinder Bancorp, Inc. (PBHC)
NASDAQ: PBHC · Real-Time Price · USD
16.15
+0.15 (0.94%)
Jul 30, 2026, 10:02 AM EDT - Market open
Pathfinder Bancorp Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Income | -2.49 | -1.93 | 3.38 | 9.29 | 12.93 | 12.41 |
Depreciation & Amortization | 2.43 | 2.52 | 0.95 | 3.04 | 3.26 | 6.22 |
Provision for Credit Losses | 15.72 | 16.34 | 10.97 | 2.93 | 2.75 | 1.02 |
Stock-Based Compensation | 0.26 | 0.99 | 0.25 | 0.46 | 0.63 | 0.62 |
Net Change in Loans Held-for-Sale | 0.52 | 0.4 | 0.15 | 0.24 | 0.63 | 1.33 |
Other Adjustments | -2.74 | -6.15 | -2.31 | -0.99 | -0.52 | -1.01 |
Changes in Accrued Interest and Accounts Receivable | 0.91 | 0.55 | 0.41 | -1.12 | -1.65 | 0.03 |
Changes in Other Operating Activities | -6.13 | -1.04 | -2.59 | 1.58 | 3.7 | -0.45 |
Operating Cash Flow | 5.74 | 11.68 | 11.21 | 15.43 | 21.73 | 20.15 |
Operating Cash Flow Growth | -65.01% | 4.17% | -27.37% | -28.99% | 7.83% | -56.72% |
Investing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Change in Loans Held-for-Investment | 3.61 | 8.95 | -31.23 | -1.79 | -66.3 | -9.65 |
Net Change in Securities and Investments | 46.84 | 28.78 | 12.84 | -51.35 | -60.71 | -54.32 |
Proceeds from Business Divestments | - | 0.82 | 1.16 | - | - | - |
Capital Expenditures | -0.87 | -1.26 | -2.06 | -1.97 | -5.21 | -1.21 |
Purchases of Intangible Assets | - | - | -6.27 | - | - | - |
Sale of Property, Plant & Equipment | - | - | 3.17 | 0.32 | 1.06 | 0.23 |
Other Investing Activities | - | 3.16 | - | - | - | -5 |
Investing Cash Flow | 53.55 | 40.45 | -22.4 | -54.79 | -131.16 | -69.95 |
Financing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Change in Deposits | -52.75 | -20.68 | 84.46 | -5.36 | 70.08 | 59.44 |
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements | -12 | -17 | -64.68 | 65.35 | 47.83 | 8.48 |
Long-Term Debt Issued | 9.19 | 10.89 | 10.7 | 6.27 | 9.29 | 12.54 |
Long-Term Debt Repaid | -14.44 | -23.88 | -33.55 | -12.02 | -18.23 | -35.97 |
Net Long-Term Debt Issued (Repaid) | -5.25 | -12.99 | -22.85 | -5.75 | -8.93 | -23.43 |
Issuance of Common Stock | 0.92 | 0.66 | 0.29 | 0.62 | 0.42 | 0.55 |
Net Common Stock Issued (Repurchased) | 0.92 | 0.66 | 0.29 | 0.62 | 0.42 | 0.55 |
Common Dividends Paid | -2.52 | -2.51 | -2.43 | -2.23 | -2.08 | -1.46 |
Preferred Share Dividends Paid | - | - | - | - | - | -0.18 |
Other Financing Activities | - | - | -0.76 | 0.18 | 0.24 | 0.08 |
Financing Cash Flow | -71.6 | -52.52 | -5.97 | 52.81 | 107.56 | 43.48 |
Net Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Cash Flow | -12.31 | -0.4 | -17.16 | 13.45 | -1.87 | -6.32 |
Free Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Free Cash Flow | 4.87 | 10.42 | 9.15 | 13.47 | 16.52 | 18.94 |
Free Cash Flow Growth | -65.06% | 13.88% | -32.07% | -18.51% | -12.77% | -58.18% |
FCF Margin | 16.16% | 34.17% | 23.11% | 32.70% | 37.08% | 43.54% |
Free Cash Flow Per Share | 3.97 | 2.16 | 1.94 | 2.19 | 2.72 | 3.16 |