NBTB - NASDAQ
NBT Bancorp Inc.
$44.79
-1.6%NBT Bancorp Inc., a financial holding company, provides commercial banking, retail banking, and wealth management services. Its deposit products include demand deposit, savings, negotiable order of withdrawal, money market deposit, and certificate of deposit accounts. The company's loan portfolio comprises commercial and industrial, commercial real estate, agricultural, and commercial construction loans; indirect and direct consumer, home equity, mortgages, business banking loans, and commercial loans; and residential real estate loans. It also provides trust and investment services; financial planning and life insurance services; and retirement plan consulting and recordkeeping services. In addition, the company offers insurance products comprising personal property and casualty, business liability, and commercial insurance, as well as other products and services through 24-hour online, mobile, and telephone channels that enable customers to check balances, make deposits, transfer funds, pay bills, access statements, apply for loans, and access various other products and services. As of December 31, 2021, it had 140 branches and 164 ATMs in New York, Pennsylvania, Vermont, Massachusetts, New Hampshire, Connecticut, and Maine. NBT Bancorp Inc. was founded in 1856 and is headquartered in Norwich, New York.
At a Glance
Live SnapshotNBT Bancorp Inc. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Working Capital Impact
Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.
Cash Flow Quality Insight
Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.
NBT Bancorp Inc. Cash Flow Statement
NBTB • NASDAQ
| NBT Bancorp Inc. Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
169.2M | 140.6M | 118.8M | 152M | 154.9M | 104.4M | 121M | 112.6M | 82.2M | 78.4M | 76.4M | 75.1M | 61.7M | 54.6M | 57.9M | 57.4M | 52M | 58.4M | 50.3M | 55.9M | |
316K | 27.5M | 22.3M | 19.1M | 12.7M | 20.5M | 20.3M | 13.3M | 13M | 13M | 13.5M | 13.4M | 12.8M | 9.7M | 8.5M | 8.4M | 8.6M | 7.3M | 6.9M | 7.7M | |
0.0 | 8.7M | 6M | -19.9M | 0.0 | 0.0 | 0.0 | 0.0 | 4.4M | 0.0 | 0.0 | 8.3M | 2.3M | -10K | -9.5M | -15M | -1.5M | 4.8M | 2.2M | 9.8M | |
-674K | 6M | 5.1M | 4.5M | 4.4M | 4.6M | 4.2M | 3.9M | 3.6M | 4.4M | 4.1M | 3.5M | 4.3M | 4.4M | 3.2M | 3.8M | 3.1M | 2.1M | 2.8M | 0.0 | |
90.9M | 5M | 33.3M | 15.6M | -837K | 62.8M | 14.7M | 27.5M | 26.3M | 23.1M | 9.9M | 1.8M | 20.5M | 13.6M | 15.4M | 25.5M | 25.3M | 22.9M | 25M | 10.4M | |
(24.6M) | (23.3M) | (27.6M) | (62.8M) | (46.1M) | (45.8M) | (28.4M) | (31.9M) | (33.7M) | (40.9M) | (28.7M) | (38.9M) | (20.8M) | (25.5M) | (31.3M) | (37M) | (14M) | (17.1M) | (18M) | (0.0) | |
-24.6M | 748K | -27.9M | 11.9M | -12M | -47.1M | -6.8M | -9.6M | 7.4M | -8.2M | 20.6M | -14.3M | 17.6M | 6.7M | 8.2M | 9.3M | -32.9M | -8.1M | -1.5M | -18.3M | |
235.2M | 188.6M | 157.5M | 183.2M | 159.2M | 145.3M | 153.5M | 147.8M | 136.9M | 109.5M | 124.5M | 87.8M | 119.3M | 88.9M | 83.8M | 89.4M | 54.7M | 87.3M | 85.8M | 65.5M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
(0.0) | -11.7M | -9.3M | -7M | -7.7M | -8.2M | -6.6M | -7.4M | -6.7M | -3.3M | -8.2M | -9M | -5.8M | -7M | -10M | -6.5M | -6.4M | -6M | -2.4M | -4.2M | |
(0.0) | -1.4M | (44.6M) | -2.6M | -1.6M | -6.8M | (0.0) | -7.9M | -4M | -2M | -3.1M | (0.0) | (80.9M) | (52.9M) | (81.5M) | (0.0) | (0.0) | -26.2M | (0.0) | -23.5M | |
(0.0) | -376.2M | -88M | -630.6M | -1.1B | -920.9M | -323.7M | -533.1M | -294.5M | -754.8M | -576.5M | -247.1M | -438.3M | -504.1M | -668.8M | -684M | -537.5M | -476.4M | -386.7M | -345.5M | |
491K | 314.5M | 342M | 391.3M | 578M | 582.5M | 527.5M | 464.8M | 410.7M | 524.1M | 397.8M | 300.7M | 438.5M | 607.1M | 591.2M | 727M | 530.6M | 511.7M | 359.3M | 307M | |
168.6M | -324.3M | -333.5M | -677.3M | -41.3M | -359.3M | -261.5M | -334.1M | -410.7M | -393.9M | -314M | -188.3M | -259.1M | -275.8M | -169.4M | 22M | -15.2M | -219.6M | -67.9M | -210.3M | |
(169.1M) | -399.2M | -44.2M | -926.2M | -547.6M | -712.6M | -64.3M | -417.6M | -305.2M | -630M | -504M | -143.7M | -183.8M | -126.9M | -175.5M | (58.5M) | -28.4M | -216.6M | -97.6M | -276.5M | |
FINANCING ACTIVITIES | ||||||||||||||||||||
-10.1M | -251K | -4.9M | -14.7M | -21.7M | -8M | 725K | 1.3M | 3.3M | -17.2M | -26.8M | -72K | -12.5M | -15.5M | -30.5M | -477K | 36.1M | 5.4M | -44.6M | -7M | |
-202.5M | -223.9M | -206.9M | 476M | -95.7M | -412M | -225.9M | 137.4M | 22.2M | 212.9M | 125.2M | -335M | 107.9M | -22M | 20.2M | -181.4M | -128M | 45.3M | 30.2M | -67.2M | |
-72.6M | -62.3M | -55.9M | -49.8M | -47.7M | -47.2M | -46M | -43.3M | -40.1M | -38.9M | -38.1M | -36.9M | -33.5M | -26.7M | -27.1M | -27.6M | -27.1M | -25.8M | -26.2M | -26M | |
-10.2M | -251K | -4.9M | -14.7M | -21.7M | -8M | (0.0) | (0.0) | (0.0) | -17.2M | -26.8M | -72K | -12.5M | -15.5M | -30.5M | -477K | (0.0) | -5.9M | -49M | -17.1M | |
84M | 575.8M | 162.3M | -740.3M | 1.1B | 1.5B | 218M | 195.7M | 193.4M | 372.5M | 312.9M | 415.6M | -2.2M | 136.5M | 89.7M | 43.1M | 169.5M | 51.9M | 76.6M | 307.5M | |
-201.2M | 289.5M | -105.4M | -328.7M | 984.8M | 1B | -53.2M | 291.1M | 178.8M | 529.3M | 373.1M | 43.6M | 59.7M | 72.3M | 52.3M | -166.3M | 50.5M | 76.7M | 36M | 207.3M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
203.1M | 78.9M | 7.8M | -1.1B | 596.4M | 455.8M | 35.9M | 21.3M | 10.5M | 8.9M | -6.3M | -12.3M | -4.7M | 34.3M | -39.4M | -18.4M | 76.8M | -52.6M | 24.2M | -3.7M | |
284.1M | 205.2M | 197.4M | 1.3B | 672.7M | 216.8M | 181M | 159.7M | 149.2M | 140.3M | 146.6M | 158.9M | 163.7M | 129.4M | 168.8M | 187.2M | 110.4M | 162.9M | 138.8M | 142.5M | |
487.1M | 284.1M | 205.2M | 197.4M | 1.3B | 672.7M | 216.8M | 181M | 159.7M | 149.2M | 140.3M | 146.6M | 158.9M | 163.7M | 129.4M | 168.8M | 187.2M | 110.4M | 162.9M | 138.8M | |
218.9M | 176.8M | 148.2M | 176.2M | 151.4M | 137.1M | 146.8M | 140.4M | 130.2M | 106.2M | 116.4M | 78.8M | 113.5M | 81.9M | 73.8M | 82.9M | 48.3M | 81.3M | 83.5M | 61.3M |
SEC Filings
NBTB - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
8-K 8-K 2026 N/A | May 19, 2026 | May 19, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 18, 2026 | May 18, 2026 | 2026 | |
10-Q 10-Q 2026 Q1 Q1 | May 08, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 04, 2026 | May 04, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 23, 2026 | April 23, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | April 06, 2026 | May 19, 2026 | 2026 | |
10-K 10-K 2025 FY FY | February 27, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | February 10, 2026 | February 10, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 26, 2026 | January 26, 2026 | 2026 | |
10-Q 10-Q 2025 Q3 Q3 | November 07, 2025 | September 30, 2025 | 2025 |
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