Pathfinder Bancorp annual free cash flow
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2025
Pathfinder Bancorp Free Cash Flow (FCF) History (PBHC)
Pathfinder Bancorp reported $10.4M in free cash flow for fiscal 2025, an increase of 13.88% from the previous fiscal year, with a free cash flow margin of 22.24%.
View full Pathfinder Bancorp company overviewPathfinder Bancorp free cash flow by year
| Fiscal year | Period ended | Free cash flow | Change | Growth | FCF margin |
|---|---|---|---|---|---|
| 2025 | 2025-12-31 | $10.4M | $1.3M | +13.88% | +22.24% |
| 2024 | 2024-12-31 | $9.1M | −$4.3M | −32.07% | +18.09% |
| 2023 | 2023-12-31 | $13.5M | −$6.4M | −32.11% | +30.53% |
| 2022 | 2022-12-31 | $19.8M | $893,000 | +4.71% | +41.92% |
| 2021 | 2021-12-31 | $18.9M | −$26.4M | −58.19% | +42.54% |
| 2020 | 2020-12-31 | $45.3M | $40.8M | +901.33% | +118.81% |
| 2019 | 2019-12-31 | $4.5M | $1.2M | +37.51% | +13.65% |
| 2018 | 2018-12-31 | $3.3M | −$1.6M | −32.40% | +11.11% |
| 2017 | 2017-12-31 | $4.9M | −$142,000 | −2.83% | +17.89% |
| 2016 | 2016-12-31 | $5.0M | $1.3M | +36.15% | +20.47% |
| 2015 | 2015-12-31 | $3.7M | $1.0M | +38.00% | +16.04% |
| 2014 | 2014-12-31 | $2.7M | −$182,000 | −6.39% | +12.79% |
| 2013 | 2013-12-31 | $2.8M | — | — | +14.96% |
Pathfinder Bancorp quarterly free cash flow
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Q2.26
| Fiscal quarter | Period ended | Free cash flow | Change | YoY growth | FCF margin |
|---|---|---|---|---|---|
| Q2 2026 | 2026-06-30 | $2.2M | $6.1M | — | +18.55% |
| Q1 2026 | 2026-03-31 | −$489,000 | −$5.5M | — | −4.26% |
| Q4 2025 | 2025-12-31 | $2.4M | $5.5M | — | +20.27% |
| Q3 2025 | 2025-09-30 | $6.9M | −$4.4M | −38.92% | +52.83% |
| Q2 2025 | 2025-06-30 | −$4.0M | −$4.6M | — | −42.61% |
| Q1 2025 | 2025-03-31 | $5.1M | $4.8M | +1746.72% | +40.13% |
| Q4 2024 | 2024-12-31 | −$3.1M | −$11.2M | — | −20.26% |
| Q3 2024 | 2024-09-30 | $11.3M | $7.2M | +176.93% | +84.32% |
| Q2 2024 | 2024-06-30 | $637,000 | $5.3M | — | +5.96% |
| Q1 2024 | 2024-03-31 | $274,000 | −$5.6M | −95.34% | +2.46% |
| Q4 2023 | 2023-12-31 | $8.1M | −$980,000 | −10.75% | +77.63% |
| Q3 2023 | 2023-09-30 | $4.1M | −$680,000 | −14.25% | +36.36% |
| Q2 2023 | 2023-06-30 | −$4.6M | −$7.1M | — | −42.84% |
| Q1 2023 | 2023-03-31 | $5.9M | $2.4M | +69.53% | +50.83% |
| Q4 2022 | 2022-12-31 | $9.1M | $4.8M | +111.68% | +69.92% |
| Q3 2022 | 2022-09-30 | $4.8M | −$2.1M | −31.06% | +39.96% |
| Q2 2022 | 2022-06-30 | $2.5M | −$2.2M | −46.60% | +22.03% |
| Q1 2022 | 2022-03-31 | $3.5M | $403,000 | +13.16% | +31.31% |
| Q4 2021 | 2021-12-31 | $4.3M | $2.9M | +208.38% | +38.66% |
| Q3 2021 | 2021-09-30 | $6.9M | $3.1M | +80.59% | +61.06% |
| Q2 2021 | 2021-06-30 | $4.7M | $2.7M | +143.69% | +39.93% |
| Q1 2021 | 2021-03-31 | $3.1M | −$34.9M | −91.93% | +29.44% |
| Q4 2020 | 2020-12-31 | $1.4M | $506,000 | +56.85% | +14.50% |
| Q3 2020 | 2020-09-30 | $3.8M | $909,000 | +31.09% | +39.10% |
| Q2 2020 | 2020-06-30 | $1.9M | −$1.6M | −46.21% | +20.82% |
| Q1 2020 | 2020-03-31 | $38.0M | $40.8M | — | +398.61% |
| Q4 2019 | 2019-12-31 | $890,000 | $1.4M | — | +9.79% |
| Q3 2019 | 2019-09-30 | $2.9M | $3.0M | — | +34.44% |
| Q2 2019 | 2019-06-30 | $3.5M | $175,000 | +5.19% | +44.78% |
| Q1 2019 | 2019-03-31 | −$2.8M | −$3.4M | — | −37.16% |
| Q4 2018 | 2018-12-31 | −$517,000 | −$2.7M | — | −6.91% |
| Q3 2018 | 2018-09-30 | −$85,000 | −$525,000 | — | −1.16% |
| Q2 2018 | 2018-06-30 | $3.4M | $825,000 | +32.37% | +45.04% |
| Q1 2018 | 2018-03-31 | $518,000 | $792,000 | — | +7.11% |
| Q4 2017 | 2017-12-31 | $2.2M | $256,000 | +13.50% | +30.06% |
| Q3 2017 | 2017-09-30 | $440,000 | $78,000 | +21.55% | +6.30% |
| Q2 2017 | 2017-06-30 | $2.5M | −$26,000 | −1.01% | +38.44% |
| Q1 2017 | 2017-03-31 | −$274,000 | −$450,000 | — | −4.26% |
| Q4 2016 | 2016-12-31 | $1.9M | $836,000 | +78.87% | +29.86% |
| Q3 2016 | 2016-09-30 | $362,000 | $736,000 | — | +5.78% |
| Q2 2016 | 2016-06-30 | $2.6M | $533,000 | +26.10% | +42.78% |
| Q1 2016 | 2016-03-31 | $176,000 | −$775,000 | −81.49% | +3.01% |
| Q4 2015 | 2015-12-31 | $1.1M | −$445,000 | −29.57% | +17.81% |
| Q3 2015 | 2015-09-30 | −$374,000 | −$1.0M | — | −6.24% |
| Q2 2015 | 2015-06-30 | $2.0M | $2.1M | — | +36.26% |
| Q1 2015 | 2015-03-31 | $951,000 | $367,000 | +62.84% | +17.72% |
| Q4 2014 | 2014-12-31 | $1.5M | — | — | +26.38% |
| Q3 2014 | 2014-09-30 | $666,000 | — | — | +12.58% |
| Q2 2014 | 2014-06-30 | −$89,000 | — | — | −1.78% |
| Q1 2014 | 2014-03-31 | $584,000 | — | — | +12.05% |
Pathfinder Bancorp free cash flow growth trends
Over the last five reported fiscal years, free cash flow declined from $45.3M to $10.4M, a compound annual decline of 25.47%. Pathfinder Bancorp's latest reported quarter, Q2 2026, generated $2.2M in free cash flow, an increase of $6.1M year over year.
About the metric
What free cash flow means
Free cash flow is the cash a company generates from operations after capital expenditures. Positive FCF can fund dividends, buybacks, debt repayment, or reinvestment; negative FCF means capital spending exceeded operating cash flow for that period.
Calculation and source
How free cash flow is calculated
TickerStat calculates free cash flow as SEC-reported operating cash flow minus capital expenditures. FCF margin equals free cash flow divided by revenue. Fiscal periods can differ from calendar years, so the tables include exact period-end dates.
Review Pathfinder Bancorp filings at SEC.gov ↗