PATHFINDER BANCORP, INC.
Cash Flow Statement
| Line Item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 |
|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||
| Net Income | $-1.9M | $3.4M | $9.3M | $12.9M | $12.4M | $7.0M | $4.3M | $4.0M |
| Depreciation & Amortization | — | — | — | — | — | — | — | — |
| Depreciation | $1.4M | $1.3M | $1.4M | $1.1M | $1.8M | $1.7M | $1.5M | $1.2M |
| Amortization | $573.0K | $258.0K | $16.0K | $16.0K | $16.0K | $16.0K | $16.0K | $17.0K |
| Stock-Based Compensation | — | — | — | — | — | — | — | — |
| Net Cash from Operating Activities | $11.7M | $11.2M | $15.4M | $21.7M | $20.2M | $46.6M | $8.1M | $9.0M |
| Investing Activities | ||||||||
| Capital Expenditures | $1.3M | $2.1M | $2.0M | $1.9M | $1.2M | $1.3M | $3.6M | $5.7M |
| Business Acquisitions | — | — | — | — | — | — | — | — |
| Net Cash from Investing Activities | $40.4M | $-22.4M | $-54.8M | $-131.2M | $-70.0M | $-149.2M | $-162.8M | $-52.0M |
| Financing Activities | ||||||||
| Dividends Paid | $1.9M | $1.8M | $1.7M | $1.6M | $1.2M | $1.1M | $1.1M | $1.0M |
| Stock Repurchases | — | — | — | — | — | — | — | — |
| Net Cash from Financing Activities | $-52.5M | $-6.0M | $52.8M | $107.6M | $43.5M | $126.0M | $148.5M | $47.4M |
| Net Change in Cash | $-402.0K | $-17.2M | $13.5M | $-1.9M | $-6.3M | $23.3M | $-6.2M | $4.3M |
| Free Cash Flow | $10.4M | $9.1M | $13.5M | $19.8M | $18.9M | $45.3M | $4.5M | $3.3M |