NBT Bancorp Inc (NBTB) — Capital Reinvestment Ratio
NBT Bancorp Inc (NBTB) has a Capital Reinvestment Ratio of 0.08x as of September 2025, meaning it reinvests 0% of its operating cash flow ($80.59 Million) in capital expenditures ($6.24 Million). See NBT Bancorp Inc balance sheet quality to measure how much of total assets are equity-financed.
Capital Reinvestment Ratio
Operating Cash Flow
Capital Expenditures
Data as of
NBT Bancorp Inc Capital Reinvestment Ratio (1991–2024)
This chart tracks NBT Bancorp Inc's Capital Reinvestment Ratio across 34 annual periods. Check NBTB capex plus investments ratio to assess the company's total reinvestment commitment from operating cash flow.
Annual Capital Reinvestment Ratio for NBT Bancorp Inc (1991–2024)
Year-by-year Capital Reinvestment Ratio for NBT Bancorp Inc from 1991 to 2024. For live market cap and broader valuation context, see NBT Bancorp Inc stock valuation.
| Year | Reinvestment Ratio | Operating CF (USD) | Capital Expenditures | YoY Change |
|---|---|---|---|---|
| 2024 | 0.06x | $188.57 Million | $11.74 Million | ▲ +6.0% |
| 2023 | 0.06x | $157.46 Million | $9.25 Million | ▲ +53.6% |
| 2022 | 0.04x | $183.22 Million | $7.01 Million | ▼ -22.1% |
| 2021 | 0.05x | $157.63 Million | $7.74 Million | ▼ -14.3% |
| 2020 | 0.06x | $142.41 Million | $8.16 Million | ▲ +32.2% |
| 2019 | 0.04x | $153.46 Million | $6.65 Million | ▼ -13.5% |
| 2018 | 0.05x | $147.77 Million | $7.40 Million | ▲ +2.5% |
| 2017 | 0.05x | $136.90 Million | $6.69 Million | ▲ +61.8% |
| 2016 | 0.03x | $109.51 Million | $3.31 Million | ▼ -54.1% |
| 2015 | 0.07x | $124.54 Million | $8.19 Million | ▼ -35.8% |
| 2014 | 0.10x | $87.81 Million | $9.00 Million | ▲ +112.1% |
| 2013 | 0.05x | $119.30 Million | $5.77 Million | ▼ -38.6% |
| 2012 | 0.08x | $88.85 Million | $6.99 Million | ▼ -33.8% |
| 2011 | 0.12x | $83.77 Million | $9.95 Million | ▲ +63.3% |
| 2010 | 0.07x | $89.44 Million | $6.51 Million | ▼ -37.6% |
| 2009 | 0.12x | $54.68 Million | $6.38 Million | ▲ +68.7% |
| 2008 | 0.07x | $87.33 Million | $6.04 Million | ▲ +152.1% |
| 2007 | 0.03x | $85.84 Million | $2.35 Million | ▼ -57.0% |
| 2006 | 0.06x | $65.52 Million | $4.18 Million | ▼ -31.5% |
| 2005 | 0.09x | $65.06 Million | $6.05 Million | ▲ +22.2% |
| 2004 | 0.08x | $96.56 Million | $7.36 Million | ▼ -56.6% |
| 2003 | 0.18x | $44.62 Million | $7.83 Million | ▲ +55.9% |
| 2002 | 0.11x | $60.86 Million | $6.85 Million | ▼ -29.1% |
| 2001 | 0.16x | $53.24 Million | $8.45 Million | ▲ +496.3% |
| 2000 | 0.03x | $61.69 Million | $1.64 Million | ▼ -88.1% |
| 1999 | 0.22x | $51.70 Million | $11.60 Million | ▼ -43.6% |
| 1998 | 0.40x | $27.50 Million | $10.95 Million | ▲ +153.1% |
| 1997 | 0.16x | $24.80 Million | $3.90 Million | ▲ +137.0% |
| 1996 | 0.07x | $21.10 Million | $1.40 Million | ▼ -42.6% |
| 1995 | 0.12x | $17.30 Million | $2.00 Million | ▼ -29.5% |
| 1994 | 0.16x | $12.20 Million | $2.00 Million | ▼ -60.8% |
| 1993 | 0.42x | $4.30 Million | $1.80 Million | ▲ +1354.7% |
| 1992 | 0.03x | $27.80 Million | $800.00K | ▼ -71.6% |
| 1991 | 0.10x | $16.80 Million | $1.70 Million | — |