Pathfinder Bancorp, Inc. (PBHC)
NASDAQ: PBHC · Real-Time Price · USD
16.57
0.00 (0.00%)
Nov 12, 2026, 10:05 AM EST - 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 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | 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 | -1.93 | 3.38 | 9.29 | 12.93 | 12.41 |
Depreciation & Amortization | 1.96 | 1.56 | 1.38 | 1.07 | 1.82 |
Other Amortization | 0.05 | 0.19 | 0.18 | 0.17 | 1.98 |
Gain (Loss) on Sale of Assets | 0.04 | -1.53 | 0.04 | -0.13 | -0.2 |
Gain (Loss) on Sale of Investments | -1.38 | -0.41 | 1.98 | 1.82 | 2 |
Total Asset Writedown | - | - | - | 0.38 | - |
Provision for Credit Losses | 16.34 | 10.97 | 2.93 | 2.75 | 1.02 |
Net Decrease (Increase) in Loans Originated / Sold - Operating | 0.4 | 0.15 | 0.24 | 0.63 | 1.33 |
Accrued Interest Receivable | 0.55 | 0.41 | -1.12 | -1.65 | 0.03 |
Change in Other Net Operating Assets | -1.04 | -2.59 | 1.58 | 3.7 | -0.45 |
Other Operating Activities | -3.89 | -1.02 | -1.3 | -0.44 | -0.08 |
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% |
Investing Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | 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 |
Capital Expenditures | -1.26 | -2.06 | -1.97 | -5.21 | -1.21 |
Sale of Property, Plant and Equipment | - | 3.01 | - | 0.99 | 0.23 |
Investment in Securities | 26.75 | 8.68 | -48.58 | -58.91 | -54.52 |
Divestitures | 0.82 | 1.16 | - | - | - |
Purchase / Sale of Intangibles | - | -6.27 | - | - | - |
Net Decrease (Increase) in Loans Originated / Sold - Investing | 12.11 | -31.23 | -1.79 | -66.3 | -9.65 |
Other Investing Activities | 2.03 | 4.33 | -2.45 | -1.73 | -4.8 |
Investing Cash Flow | 40.45 | -22.4 | -54.79 | -131.16 | -69.95 |
Financing Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | 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 |
Short-Term Debt Issued | - | - | 65.35 | 47.83 | 8.48 |
Long-Term Debt Issued | 10.89 | 10.7 | 6.27 | 9.29 | 12.54 |
Total Debt Issued | 10.89 | 10.7 | 71.62 | 57.13 | 21.02 |
Short-Term Debt Repaid | -17 | -64.68 | - | - | - |
Long-Term Debt Repaid | -23.88 | -33.55 | -12.02 | -18.23 | -35.97 |
Total Debt Repaid | -40.88 | -98.23 | -12.02 | -18.23 | -35.97 |
Net Debt Issued (Repaid) | -29.99 | -87.53 | 59.6 | 38.9 | -14.95 |
Issuance of Common Stock | 0.66 | 0.29 | 0.62 | 0.42 | 0.55 |
Common Dividends Paid | -2.46 | -2.38 | -2.19 | -2.04 | -1.42 |
Preferred Dividends Paid | - | - | - | - | -0.18 |
Total Dividends Paid | -2.46 | -2.38 | -2.19 | -2.04 | -1.6 |
Net Increase (Decrease) in Deposit Accounts | -20.68 | 84.46 | -5.36 | 70.08 | 59.44 |
Other Financing Activities | -0.05 | -0.81 | 0.13 | 0.2 | 0.05 |
Financing Cash Flow | -52.52 | -5.97 | 52.81 | 107.56 | 43.48 |
Net Cash Flow
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | 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 | -0.4 | -17.16 | 13.45 | -1.87 | -6.32 |
Free Cash Flow
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | 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 | 10.42 | 9.15 | 13.47 | 16.52 | 18.94 |
Free Cash Flow Growth | 13.88% | -32.07% | -18.51% | -12.77% | -58.18% |
Free Cash Flow Margin | 34.17% | 23.11% | 32.70% | 37.08% | 43.54% |
Free Cash Flow Per Share | 1.68 | 1.50 | 2.23 | 2.78 | 3.63 |