Pathfinder Bancorp, Inc.
PBHC · NASDAQ
12/31/2024 | 12/31/2023 | 12/31/2022 | 12/31/2021 | |
|---|---|---|---|---|
| Operating Activities | – | – | – | – |
| Net Income | $3,383 | $9,293 | $12,932 | $12,407 |
| Dep. & Amort. | $1,337 | $1,340 | $700 | $1,817 |
| Deferred Tax | -$417 | -$367 | $139 | $481 |
| Stock-Based Comp. | $247 | $462 | $626 | $617 |
| Change in WC | -$2,189 | $459 | $2,053 | $146 |
| Other Non-Cash | $8,848 | $4,245 | $5,283 | $4,705 |
| Operating Cash Flow | $11,209 | $15,432 | $21,733 | $20,154 |
| Investing Activities | – | – | – | – |
| PP&E Inv. | -$2,062 | -$1,966 | -$5,209 | -$1,212 |
| Net Acquisitions | $1,155 | $0 | $0 | $0 |
| Inv. Purchases | -$118,221 | -$114,366 | -$116,569 | -$200,462 |
| Inv. Sales/Matur. | $126,869 | $65,782 | $57,656 | $145,939 |
| Other Inv. Act. | -$30,139 | -$4,238 | -$67,038 | -$14,216 |
| Investing Cash Flow | -$22,398 | -$54,788 | -$131,160 | -$69,951 |
| Financing Activities | – | – | – | – |
| Debt Repay. | -$87,531 | $59,602 | $38,899 | -$14,952 |
| Stock Issued | $291 | $0 | $0 | $6,866 |
| Stock Repurch. | $0 | $0 | $0 | -$6,866 |
| Dividends Paid | -$2,378 | -$2,187 | -$2,037 | -$1,601 |
| Other Fin. Act. | $83,647 | -$4,609 | $70,698 | $60,035 |
| Financing Cash Flow | -$5,971 | $52,806 | $107,560 | $43,482 |
| Forex Effect | $0 | $0 | $0 | $0 |
| Net Chg. in Cash | -$17,160 | $13,450 | -$1,867 | -$6,315 |
| Supplemental Information | – | – | – | – |
| Beg. Cash | $48,732 | $35,282 | $37,149 | $43,464 |
| End Cash | $31,572 | $48,732 | $35,282 | $37,149 |
| Free Cash Flow | $2,876 | $13,466 | $16,524 | $18,942 |