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EBIT MarginEBITDA MarginEBT MarginFCF MarginFCF Payout RatioInterest Coverage RatioNet MarginReturn on SalesTimes Interest Earned

Pathfinder Bancorp (PBHC) FCF Margin (2017 - 2025)

Historic FCF Margin for Pathfinder Bancorp (PBHC) over the last 9 years, with Q3 2025 value amounting to 657.36%.

  • Pathfinder Bancorp's FCF Margin fell 1161600.0% to 657.36% in Q3 2025 from the same period last year, while for Sep 2025 it was 127.13%, marking a year-over-year decrease of 2871900.0%. This contributed to the annual value of 186.18% for FY2024, which is 1063700.0% down from last year.
  • As of Q3 2025, Pathfinder Bancorp's FCF Margin stood at 657.36%, which was down 1161600.0% from 416.95% recorded in Q2 2025.
  • In the past 5 years, Pathfinder Bancorp's FCF Margin ranged from a high of 839.13% in Q4 2022 and a low of 425.62% during Q2 2023
  • Its 5-year average for FCF Margin is 310.01%, with a median of 379.94% in 2023.
  • As far as peak fluctuations go, Pathfinder Bancorp's FCF Margin crashed by -18842500bps in 2021, and later skyrocketed by 6199200bps in 2025.
  • Quarter analysis of 5 years shows Pathfinder Bancorp's FCF Margin stood at 324.42% in 2021, then soared by 159bps to 839.13% in 2022, then fell by -11bps to 746.83% in 2023, then tumbled by -138bps to 285.61% in 2024, then skyrocketed by 330bps to 657.36% in 2025.
  • Its FCF Margin stands at 657.36% for Q3 2025, versus 416.95% for Q2 2025 and 642.95% for Q1 2025.