Pathfinder Bancorp, Inc. (PBHC)
NASDAQ: PBHC · Real-Time Price · USD
14.11
-0.09 (-0.63%)
At close: Dec 5, 2025, 4:00 PM EST
14.18
+0.07 (0.50%)
After-hours: Dec 5, 2025, 4:04 PM EST
Pathfinder Bancorp Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | 2019 - 2015 |
|---|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 | 2019 - 2015 |
| Net Income | 7.54 | 3.38 | 9.29 | 12.93 | 12.41 | 6.95 | Upgrade
|
| Depreciation & Amortization | 2.42 | 1.56 | 1.38 | 1.07 | 1.82 | 1.38 | Upgrade
|
| Other Amortization | 0.2 | 0.19 | 0.18 | 0.17 | 1.98 | 0.84 | Upgrade
|
| Gain (Loss) on Sale of Assets | -1.49 | -1.53 | 0.04 | -0.13 | -0.2 | 0.01 | Upgrade
|
| Gain (Loss) on Sale of Investments | -1.39 | -0.41 | 1.98 | 1.82 | 2 | 1.66 | Upgrade
|
| Total Asset Writedown | - | - | - | 0.38 | - | - | Upgrade
|
| Provision for Credit Losses | 6.14 | 10.97 | 2.93 | 2.75 | 1.02 | 4.71 | Upgrade
|
| Net Decrease (Increase) in Loans Originated / Sold - Operating | 0.31 | 0.15 | 0.24 | 0.63 | 1.33 | 35.59 | Upgrade
|
| Accrued Interest Receivable | 0.31 | 0.41 | -1.12 | -1.65 | 0.03 | -0.84 | Upgrade
|
| Change in Other Net Operating Assets | -6.66 | -2.59 | 1.58 | 3.7 | -0.45 | -1.35 | Upgrade
|
| Other Operating Activities | -1.41 | -1.02 | -1.3 | -0.44 | -0.08 | -1.77 | Upgrade
|
| Operating Cash Flow | 6.35 | 11.21 | 15.43 | 21.73 | 20.15 | 46.56 | Upgrade
|
| Operating Cash Flow Growth | -71.50% | -27.37% | -28.99% | 7.83% | -56.72% | 473.41% | Upgrade
|
| Capital Expenditures | -1.43 | -2.06 | -1.97 | -5.21 | -1.21 | -1.26 | Upgrade
|
| Sale of Property, Plant and Equipment | - | 3.01 | - | 0.99 | 0.23 | - | Upgrade
|
| Investment in Securities | -4.46 | 8.68 | -48.58 | -58.91 | -54.52 | -67.38 | Upgrade
|
| Divestitures | 1.16 | 1.16 | - | - | - | - | Upgrade
|
| Purchase / Sale of Intangibles | - | -6.27 | - | - | - | - | Upgrade
|
| Net Decrease (Increase) in Loans Originated / Sold - Investing | 18.77 | -31.23 | -1.79 | -66.3 | -9.65 | -81.16 | Upgrade
|
| Other Investing Activities | 1.91 | 4.33 | -2.45 | -1.73 | -4.8 | 0.58 | Upgrade
|
| Investing Cash Flow | 15.95 | -22.4 | -54.79 | -131.16 | -69.95 | -149.22 | Upgrade
|
| Short-Term Debt Issued | - | - | 65.35 | 47.83 | 8.48 | - | Upgrade
|
| Long-Term Debt Issued | - | 10.7 | 6.27 | 9.29 | 12.54 | 65.24 | Upgrade
|
| Total Debt Issued | 10.89 | 10.7 | 71.62 | 57.13 | 21.02 | 65.24 | Upgrade
|
| Short-Term Debt Repaid | - | -64.68 | - | - | - | -21.12 | Upgrade
|
| Long-Term Debt Repaid | - | -33.55 | -12.02 | -18.23 | -35.97 | -30.19 | Upgrade
|
| Total Debt Repaid | -54.27 | -98.23 | -12.02 | -18.23 | -35.97 | -51.31 | Upgrade
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| Net Debt Issued (Repaid) | -43.38 | -87.53 | 59.6 | 38.9 | -14.95 | 13.93 | Upgrade
|
| Issuance of Common Stock | 0.82 | 0.29 | 0.62 | 0.42 | 0.55 | 0.22 | Upgrade
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| Common Dividends Paid | -2.44 | -2.38 | -2.19 | -2.04 | -1.42 | -1.14 | Upgrade
|
| Preferred Dividends Paid | - | - | - | - | -0.18 | -0.28 | Upgrade
|
| Total Dividends Paid | -2.44 | -2.38 | -2.19 | -2.04 | -1.6 | -1.41 | Upgrade
|
| Net Increase (Decrease) in Deposit Accounts | 28.87 | 84.46 | -5.36 | 70.08 | 59.44 | 114.01 | Upgrade
|
| Other Financing Activities | -0.92 | -0.81 | 0.13 | 0.2 | 0.05 | -0.78 | Upgrade
|
| Financing Cash Flow | -17.05 | -5.97 | 52.81 | 107.56 | 43.48 | 125.97 | Upgrade
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| Net Cash Flow | 5.25 | -17.16 | 13.45 | -1.87 | -6.32 | 23.3 | Upgrade
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| Free Cash Flow | 4.93 | 9.15 | 13.47 | 16.52 | 18.94 | 45.3 | Upgrade
|
| Free Cash Flow Growth | -75.83% | -32.07% | -18.51% | -12.77% | -58.18% | 901.33% | Upgrade
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| Free Cash Flow Margin | 11.15% | 23.11% | 32.70% | 37.08% | 43.54% | 135.54% | Upgrade
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| Free Cash Flow Per Share | 0.80 | 1.50 | 2.23 | 2.78 | 3.63 | 9.83 | Upgrade
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| Cash Interest Paid | 32.34 | 38.62 | 27.47 | 1.75 | 7.44 | 11.07 | Upgrade
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| Cash Income Tax Paid | 0.5 | 0.6 | 3.16 | 3.22 | 2.46 | 2.65 | Upgrade
|
Source: S&P Capital IQ. Banks template. Financial Sources.