Pathfinder Bancorp, Inc.
NASDAQ:PBHC · NASDAQ Capital Market
+$0.29 today
Vol 0.03M · Avg 0.00M
Cash Flow
Check whether earnings turn into cash
Use operating cash flow, capital spending, free cash flow, and financing activity to see how much value is left for reinvestment or owners.
Free Cash Flow
Net Income to FCF bridge
Analysis
Analysis will appear once cash flow data is available for this period.
Cash Flow Statement
Annual data · 5 periods
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 |
|---|---|---|---|---|---|---|---|---|
| Net Income | $2.6M -23.0% | $3.4M -63.6% | $9.3M -28.1% | $12.9M +4.2% | $12.4M | $487.6M | $476.4M | $465.2M |
| Depreciation & Amortization | $2.4M +79.4% | $1.3M -0.2% | $1.3M +91.4% | $700.0K -61.5% | $1.8M | $374.2M | $1.2B | $631.8M |
| Deferred Income Tax | -$3.5M -744.4% | -$417.0K -13.6% | -$367.0K -364.0% | $139.0K -71.1% | $481.0K | $1.4B | -$1.5B | $304.2M |
| Stock-Based Compensation | $985.0K +298.8% | $247.0K -46.5% | $462.0K -26.2% | $626.0K +1.5% | $617.0K | $489.0M | $354.6M | -$1.6B |
| Change in Working Capital | -$489.0K +77.7% | -$2.2M -576.9% | $459.0K -77.6% | $2.1M +1306.2% | $146.0K | $350.4M | -$1.6B | $1.5B |
| Accounts Receivables | $553.0K +36.5% | $405.0K +136.2% | -$1.1M +32.2% | -$1.6M -5782.8% | $29.0K | $592.6M | $1.3B | $626.2M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $1.0B | $1.2B | $1.1B |
| Accounts Payables | $0 | $0 | $0 | $0 | $0 | $948.2M | -$1.5B | $433.0M |
| Other Working Capital | -$1.0M +59.8% | -$2.6M -264.5% | $1.6M -57.4% | $3.7M +3063.2% | $117.0K | $567.4M | $1.3B | $601.0M |
| Other Non-Cash Items | $9.3M +5.1% | $8.8M +108.4% | $4.2M -19.6% | $5.3M +12.3% | $4.7M | $1.4B | -$1.5B | $300.0M |
| Operating Cash Flow | $11.3M +0.6% | $11.2M -27.4% | $15.4M -29.0% | $21.7M +7.8% | $20.2M | $7.2B | $8.9B | $10.5B |
| Capital Expenditures | -$1.3M +84.9% | -$8.3M -323.9% | -$2.0M +62.3% | -$5.2M -329.8% | -$1.2M | $664.0M | $1.4B | $697.6M |
| Acquisitions (Net) | $816.0K -29.4% | $1.2M | $0 | $0 | $0 | $937.0M | $1.1B | $1.3B |
| Purchases of Investments | -$75.2M +36.4% | -$118.2M -3.4% | -$114.4M +1.9% | -$116.6M +41.8% | -$200.5M | $444.2M | $1.4B | $1.3B |
| Sales of Investments | $105.1M -17.1% | $126.9M +92.9% | $65.8M +14.1% | $57.7M -60.5% | $145.9M | $822.2M | $318.2M | -$1.5B |
| Other Investing Activities | $11.4M +137.8% | -$30.1M -611.2% | -$4.2M +93.7% | -$67.0M -371.6% | -$14.2M | $616.4M | $370.0M | $1.2B |
| Investing Cash Flow | $40.8M +282.4% | -$22.4M +59.1% | -$54.8M +58.2% | -$131.2M -87.5% | -$70.0M | $4.8B | $6.4B | $5.1B |
| Debt Repayment | -$30.0M +65.7% | -$87.5M -246.9% | $59.6M +53.2% | $38.9M +360.2% | -$15.0M | $680.8M | $759.2M | $1.1B |
| Common Stock Issued | $656.0K +125.4% | $291.0K | $0 | $0 -100.0% | $6.9M | $778.8M | $946.8M | $812.4M |
| Common Stock Repurchased | $0 | $0 | $0 | $0 +100.0% | -$6.9M | $351.8M | -$1.6B | $1.5B |
| Dividends Paid | -$2.5M -3.4% | -$2.4M -8.7% | -$2.2M -7.4% | -$2.0M -27.2% | -$1.6M | $535.2M | $613.6M | $692.0M |
| Other Financing Activities | -$20.7M -124.8% | $83.6M +1914.9% | -$4.6M -106.5% | $70.7M +17.8% | $60.0M | -$1.6B | $1.3B | $1.1B |
| Financing Cash Flow | -$52.5M -779.7% | -$6.0M -111.3% | $52.8M -50.9% | $107.6M +147.4% | $43.5M | $12.2B | $13.9B | -$15.5B |
| Effect of Forex Changes | $0 | $0 | $0 | $0 | $0 | $1.3B | $1.1B | $990.2M |
| Net Change in Cash | -$402.0K +97.7% | -$17.2M -227.6% | $13.4M +820.4% | -$1.9M +70.4% | -$6.3M | $3.2B | $4.9B | $6.5B |
| Free Cash Flow | $10.0M +248.2% | $2.9M -78.6% | $13.5M -18.5% | $16.5M -12.8% | $18.9M | $8.6B | -$16.8B | $11.1B |
Older periods hidden.
Sign in to unlockCompetitors
Peer companies in the same sector
Lake Shore Bancorp, Inc.
NASDAQ:LSBK
$129.66M
Winchester Bancorp, Inc. Common Stock
NASDAQ:WSBK
$115.77M
Magyar Bancorp, Inc.
NASDAQ:MGYR
$111.48M
Provident Financial Holdings, Inc.
NASDAQ:PROV
$107.38M
DT Cloud Star Acquisition Corporation
NASDAQ:DTSQ
$100.85M
CFSB Bancorp, Inc.
CFSB
$93.32M
IF Bancorp, Inc.
IROQ
$88.98M
United Bancorp, Inc.
NASDAQ:UBCP
$88.74M
Auburn National Bancorporation, Inc.
NASDAQ:AUBN
$86.98M
Fifth District Savings Bank
NASDAQ:FDSB
$83.82M
SEC Filings
Recent regulatory filings
No filings found.
Does PBHC generate free cash flow?
Pathfinder Bancorp, Inc. (PBHC) generated $10.02M of free cash flow in fiscal 2025.
How much operating cash flow does PBHC produce?
Operating cash flow was $11.28M, before capital expenditures of $1.26M.
Explore More
Continue the stock analysis
Jump to another research area for this company.