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Cash Flow
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Balance Sheet
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Cash Flow Overview
Free Cash flow
$2,181K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
Net change in short-term borrowi...
Proceeds from maturities and pri...
Proceeds from maturities and pri...
Others
Negative Cash Flow Breakdown
Purchase of available-for-sale s...
Net change in demand deposits, n...
Net change in time deposits
Others
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Page 1
Quarterly
123
Page 1
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Cash and cash equivalents at beginning of period
-
-
-
31,572
Net income
2,668
2,413
-5,564
626
(benefit from) provision for credit losses
-155
-168
11,194
3,494
Deferred income tax expense
-
-
-3,521
-
Proceeds from sales of loans held-for-sale
3,279
5,401
4,024
3,670
Originations of loans held-for-sale
3,184
5,215
3,891
388
Foreclosed real estate
-
-
0
0
Loss on sale of premises and equipment
-
-
37
-
Loans
95
186
133
121
Available-for-sale investment securities
0
0
0
-1
Held-to-maturity investment securities
0
-5
-3
-11
Marketable securities
-53
76
667
145
Gain on sale of subsidiary, attributable to pathfinder bancorp, inc
-
-
0
-
Depreciation
378
374
143
413
Amortization of mortgage servicing rights
-3
15
5
4
Amortization of deferred loan fees and costs
25
21
-9
-4
Amortization of operating and finance leases, net
107
107
112
115
Amortization of deferred financing fees from subordinated debt
0
0
-103
52
Earnings on bank owned life insurance
330
256
230
286
Net amortization of premiums and discounts on investment securities
-206
-143
112
28
Net amortization of premiums on intangible assets
143
143
143
286
Stock based compensation expense
278
260
290
235
Net change in accrued interest receivable
679
-496
-170
-391
Net change in other assets and liabilities
-67
3,432
-554
1,334
Net cash inflows from operating activities
2,346
-241
2,669
7,048
Purchase of available-for-sale securities
118,106
20,576
0
3,000
Purchase of held-to-maturity securities
0
0
0
0
Purchase of marketable securities
59
97
15
326
Purchase of federal home loan bank stock
6,525
1,112
1,309
2,238
Proceeds from redemption of federal home loan bank stock
1,759
1,503
2,237
4,028
Proceeds from maturities and principal reductions of available-for-sale securities
24,140
22,585
17,387
10,771
Proceeds from maturities and principal reductions of held-to-maturity securities
9,270
5,771
4,088
10,419
Proceeds from sale of subsidiary
-
-
816
-
Available-for-sale securities
0
0
1,801
1,195
Held-to-maturity securities
1,765
2,065
8,151
4,869
Loans held-for-sale
-
-
0
3,161
Real estate acquired through foreclosure
-
-
0
0
Net change in loans
-4,311
-1,345
4,590
-10,412
Acquisition of core deposit intangible asset
-
-
0
0
Proceeds from sale of assets held-for-sale
-
-
0
0
Purchase of premises and equipment
165
248
273
126
Net cash outflows from investing activities
-83,610
11,236
28,293
39,165
Net change in demand deposits, now accounts, savings accounts, money management deposit accounts, mmda accounts and escrow deposits
-21,257
62,297
-16,670
12,375
Net change in time deposits
-10,043
-19,642
-4,481
-12,410
Net change in brokered deposits
-6,158
-14,776
-20,082
3,229
Net change in short-term borrowings
110,000
-29,000
6,000
-37,500
Payments on long-term borrowings
5,700
0
4,628
5,100
Proceeds from long-term borrowings
-
-
0
2,825
Proceeds fom long-term borrowings
-1,700
1,700
-
-
Proceeds from exercise of stock options
251
446
126
94
Cash dividends paid to common voting shareholders
830
138
479
479
Cash dividends paid to common non-voting shareholders
-204
480
138
137
Cash dividends paid on warrants
12
13
12
13
Change in noncontrolling interest, net
-
-
0
0
Net cash inflows from financing activities
68,155
-3,006
-40,364
-37,116
Change in cash and cash equivalents
-13,109
7,989
-9,402
9,097
Cash and cash equivalents at beginning of period
39,159
31,170
40,572
-
Cash and cash equivalents at end of period
26,050
39,159
31,170
40,572
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
Show the time plot by selecting a row from the table.
Cash Flow
Net change in
short-term borrowings
$110,000K
(658.62%↑ Y/Y)
Proceeds from sales of
loans held-for-sale
$3,279K
(-41.16%↓ Y/Y)
Proceeds fom long-term
borrowings
-$1,700K
Proceeds from exercise of
stock options
$251K
(-42.43%↓ Y/Y)
Cash dividends paid
to common...
-$204K
(-173.65%↓ Y/Y)
Net income
$2,668K
(-11.21%↓ Y/Y)
Depreciation
$378K
(-54.07%↓ Y/Y)
Stock based
compensation expense
$278K
(-39.57%↓ Y/Y)
Net amortization of
premiums on intangible...
$143K
(-0.69%↓ Y/Y)
Amortization of operating and
finance leases, net
$107K
(-50.23%↓ Y/Y)
Net change in other
assets and liabilities
-$67K
(-125.57%↓ Y/Y)
Marketable securities
-$53K
(-108.31%↓ Y/Y)
Amortization of deferred loan
fees and costs
$25K
(-30.56%↓ Y/Y)
Net cash inflows
from financing...
$68,155K
(173.10%↑ Y/Y)
Net cash inflows
from operating...
$2,346K
(19.69%↑ Y/Y)
Canceled cashflow
$44,000K
Canceled cashflow
$4,652K
Change in cash and cash
equivalents
-$13,109K
(-13414.43%↓ Y/Y)
Canceled cashflow
$70,501K
Proceeds from maturities
and principal...
$24,140K
(7.03%↑ Y/Y)
Proceeds from maturities
and principal...
$9,270K
(-38.26%↓ Y/Y)
Net change in loans
-$4,311K
(-38.00%↓ Y/Y)
Held-to-maturity securities
$1,765K
(-29.85%↓ Y/Y)
Proceeds from redemption
of federal home...
$1,759K
(-74.25%↓ Y/Y)
Net change in demand
deposits, now accounts,...
-$21,257K
(-166.15%↓ Y/Y)
Net change in time
deposits
-$10,043K
(-459.96%↓ Y/Y)
Net change in
brokered deposits
-$6,158K
(64.94%↑ Y/Y)
Payments on long-term
borrowings
$5,700K
(-59.73%↓ Y/Y)
Cash dividends paid
to common voting...
$830K
(-12.63%↓ Y/Y)
Cash dividends paid
on warrants
$12K
(-52.00%↓ Y/Y)
Originations of loans
held-for-sale
$3,184K
(-62.92%↓ Y/Y)
Net change in
accrued interest...
$679K
(8387.50%↑ Y/Y)
Earnings on bank owned
life insurance
$330K
(3.77%↑ Y/Y)
Net amortization of
premiums and discounts on...
-$206K
(-121.51%↓ Y/Y)
(benefit from) provision
for credit losses
-$155K
(-109.37%↓ Y/Y)
Loans
$95K
(-35.81%↓ Y/Y)
Amortization of mortgage
servicing rights
-$3K
(25.00%↑ Y/Y)
Net cash outflows
from investing...
-$83,610K
(-209.52%↓ Y/Y)
Canceled cashflow
$41,245K
Purchase of
available-for-sale securities
$118,106K
(115.36%↑ Y/Y)
Purchase of federal home
loan bank stock
$6,525K
(-13.23%↓ Y/Y)
Purchase of premises and
equipment
$165K
(-80.84%↓ Y/Y)
Purchase of marketable
securities
$59K
(-64.67%↓ Y/Y)
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Pathfinder Bancorp, Inc. (PBHC)
Pathfinder Bancorp, Inc. (PBHC)