Pathfinder Bancorp, Inc. (PBHC)

Pathfinder Bancorp Cash Flow Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	-1.93	3.38	9.29	12.93	12.41
Depreciation & Amortization	2.52	0.95	3.04	3.26	6.22
Provision for Credit Losses	16.34	10.97	2.93	2.75	1.02
Stock-Based Compensation	0.99	0.25	0.46	0.63	0.62
Net Change in Loans Held-for-Sale	0.4	0.15	0.24	0.63	1.33
Other Adjustments	-6.15	-2.31	-0.99	-0.52	-1.01
Changes in Accrued Interest and Accounts Receivable	0.55	0.41	-1.12	-1.65	0.03
Changes in Other Operating Activities	-1.04	-2.59	1.58	3.7	-0.45
Operating Cash Flow	11.68	11.21	15.43	21.73	20.15
Operating Cash Flow Growth	4.17%	-27.37%	-28.99%	7.83%	-56.72%
Net Change in Loans Held-for-Investment	8.95	-31.23	-1.79	-66.3	-9.65
Net Change in Securities and Investments	28.78	12.84	-51.35	-60.71	-54.32
Proceeds from Business Divestments	0.82	1.16	-	-	-
Capital Expenditures	-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	40.45	-22.4	-54.79	-131.16	-69.95
Net Change in Deposits	-20.68	84.46	-5.36	70.08	59.44
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	-17	-64.68	65.35	47.83	8.48
Long-Term Debt Issued	10.89	10.7	6.27	9.29	12.54
Long-Term Debt Repaid	-23.88	-33.55	-12.02	-18.23	-35.97
Net Long-Term Debt Issued (Repaid)	-12.99	-22.85	-5.75	-8.93	-23.43
Issuance of Common Stock	0.66	0.29	0.62	0.42	0.55
Net Common Stock Issued (Repurchased)	0.66	0.29	0.62	0.42	0.55
Common Dividends Paid	-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	-52.52	-5.97	52.81	107.56	43.48
Net Cash Flow	-0.4	-17.16	13.45	-1.87	-6.32
Free Cash Flow	10.42	9.15	13.47	16.52	18.94
Free Cash Flow Growth	13.88%	-32.07%	-18.51%	-12.77%	-58.18%
FCF Margin	34.17%	23.11%	32.70%	37.08%	43.54%
Free Cash Flow Per Share	2.16	1.94	2.19	2.72	3.16
Levered Free Cash Flow	-14.16	-22.77	5.08	4.1	-6.44
Unlevered Free Cash Flow	0.77	-3.3	1.53	0.1	4.58

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q