Pathfinder Bancorp, Inc.

PBHCNASDAQFinancial Services● Active

$14.15

+$0.29(+2.06%)

Market Cap$87444071

P/E Ratio—

52W High$15.96

52W Low$12.06

Avg Volume4K

Open$13.90

Beta0.16

Free Cash Flow Financials Revenue

Pathfinder Bancorp, Inc. (PBHC) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

PBHC · free cash flow · updated Jun 8, 2026

Core FCF metrics

PBHC · FCF · TTM · margin & CAGR

Free cash flow was $10.4M for FY2025 (fiscal year ending 2025-12-31), up 262.2% year-over-year The FCF margin was 13.2%. Five-year CAGR stands at -25.5%.

FY2025 Free Cash Flow$10.4M▲ +262.2% YoY

Trailing 12M (TTM)$4.4Mtrailing 4 quarters sum

FCF Margin13.2%$10.4M ÷ revenue

3-Year CAGR-14.3%FY2022 → FY2025

5-Year CAGR-25.5%FY2020 → FY2025

FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 8, 2026

Annual free cash flow history

FCF ($B, upper) · YoY Growth % (lower)

Positive FCFNegative FCF

Free Cash Flow

YoY Growth %

Annual free cash flow data

PBHC · free cash flow history · annual / quarterly

Fiscal YearOperating CFCapExFree Cash FlowYoY ChangeFCF Margin

FY2025Latest$11.7M(1M)$10.4M▲ +262.2%13.2%

FY2024$11.2M(8M)$2.9M▼ 78.6%3.5%

FY2023$15.4M(2M)$13.5M▼ 18.5%18.8%

FY2022$21.7M(5M)$16.5M▼ 12.8%29.3%

FY2021$20.2M(1M)$18.9M▼ 58.2%37.1%

FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP

FCF valuation metrics

PBHC · P/FCF · FCF yield · FCF per share

Pathfinder Bancorp, Inc. (PBHC) trades at a FCF yield of 5.08% and a price-to-free-cash-flow ratio of 19.9x. FCF per share stands at $0.71, calculated using trailing twelve-month FCF divided by basic weighted-average shares outstanding.

FCF Yield (TTM)

5.08%

Free Cash Flow ÷ Market Cap

per FMP freeCashFlowYieldTTM definition

FCF per Share (TTM)

$0.71

TTM FCF ÷ Shares Outstanding

Price / FCF

x19.9

Share Price ÷ FCF per Share

EV / FCF (TTM)

x33.5

Enterprise Value basis

Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2025 · 2025-12-31

Cash flow statement summary

PBHC · cash flow statement · operating / investing / financing

For FY2025, Pathfinder Bancorp, Inc. generated $11.7M in operating cash flow and spent 1M in capital expenditures, yielding $10.4M in free cash flow.

Operating Activities

+$11.7M

Cash from core business operations

2025-12-31

Investing Activities

+$40.4M

CapEx, acquisitions & investments

2025-12-31

Financing Activities

−$52.5M

Buybacks, dividends & debt

2025-12-31

FCF FormulaOperating CF ($11.7M) − |CapEx| (1M) = FCF ($10.4M)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →

Free cash flow vs peers (Financial Services)

PBHC vs peers · FCF

#CompanyFree Cash FlowYoYFCF MarginRelative

Pathfinder Bancorp, Inc.YOU

PBHC

$10.4M+262.2%13.2%

Berkshire Hathaway Inc.

BRK-B

$25.04B+115.6%6.7%

25%

Berkshire Hathaway Inc.

Mastercard Incorporated

$16.91B+18.2%51.6%

17%

Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

Pathfinder Bancorp, Inc. (PBHC) reported free cash flow of $10.4M for FY2025 (fiscal year ending 2025-12-31), up 262.2% year-over-year. The FCF margin was 13.2%.

Based on available data, Pathfinder Bancorp, Inc. has maintained positive free cash flow for at least 15 fiscal year(s). FCF peaked at $45.3M in FY2020. The 5-year CAGR stands at -25.5%.

Pathfinder Bancorp, Inc.'s FCF yield is 5.08% and price-to-FCF ratio is 19.9x for FY2025, based on the latest available data.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.

Revenue Financial statements Net income Earnings Forecast Price history Market cap Cash on hand P/E ratio

Frequently asked questions

PBHC free cash flow · 8 questions

Pathfinder Bancorp, Inc. free cash flow was $10.4M for FY2025, up 262.2% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at $4.4M.

PBHC free cash flowPBHC FCFPBHC FCF 2025PBHC free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · Pathfinder Bancorp, Inc. · Pathfinder Bancorp, Inc. SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 8, 2026