NBT Bancorp Inc Cash Flow Conversion Efficiency
NBT Bancorp Inc cash flow conversion efficiency. Based on the latest financial reports, NBT Bancorp Inc (NBTB) has a cash flow conversion efficiency ratio of 0.032x as of June 2026. Cash flow conversion efficiency measures how effectively a company's net assets (equity) generate operating cash flow. It is calculated by dividing operating cash flow ($61.89 Million) by net assets ($1.94 Billion). A higher ratio indicates that the company is more efficient at using its equity to generate cash flow from its core operations.
Cash Flow Conversion Efficiency of NBT Bancorp Inc (1991–2025)
Cash flow conversion efficiency of NBT Bancorp Inc from 1991 to 2025. This chart illustrates how NBT Bancorp Inc's cash flow conversion efficiency has evolved over time, based on yearly financial data. View NBTB share price today for real-time trading data and today's change.
NBT Bancorp Inc Cash Flow Conversion Ratio Explained
NBT Bancorp Inc cash flow conversion ratio divides operating cash flow by net assets, so a higher ratio means more cash generated from each unit of shareholder equity.
NBT Bancorp Inc Competitors by Cash Flow Conversion Efficiency
The table below lists competitors of NBT Bancorp Inc ranked by their cash flow conversion efficiency. Also see market value of NBT Bancorp Inc for the company's overall valuation and market capitalisation.
| Company | Cash Flow Conversion Efficiency |
|---|---|
|
Five9 Inc
NASDAQ:FIVN
|
0.054x |
|
ZIM Integrated Shipping Services Ltd.
F:2SV
|
0.093x |
|
Guangzhou Haozhi Industrial Co Ltd
SHE:300503
|
0.011x |
|
Hui Lyu Ecological Technology Groups Co Ltd
SHE:001267
|
-0.026x |
|
Inversiones la Construccion S.A.
SN:ILC
|
-0.055x |
|
People.Cn Co Ltd
SHG:603000
|
0.020x |
|
Cal-Comp Electronics (Thailand) Public Company Limited
BK:CCET
|
-0.031x |
|
PHINIA Inc.
NYSE:PHIN
|
0.034x |
Annual Cash Flow Conversion Efficiency for NBT Bancorp Inc (1991–2025)
The table below shows the annual cash flow conversion efficiency of NBT Bancorp Inc from 1991 to 2025. Review NBT Bancorp Inc (NBTB) free cash flow to assess how much free cash flow the company generates relative to operating cash flow.
| Year | Net Assets | Operating Cash Flow | Cash Flow Conversion Efficiency | Change |
|---|---|---|---|---|
| 2025-12-31 | $1.90 Billion | $235.22 Million | 0.124x | +0.39% |
| 2024-12-31 | $1.53 Billion | $188.57 Million | 0.124x | +11.88% |
| 2023-12-31 | $1.43 Billion | $157.46 Million | 0.110x | -29.26% |
| 2022-12-31 | $1.17 Billion | $183.22 Million | 0.156x | +23.85% |
| 2021-12-31 | $1.25 Billion | $157.63 Million | 0.126x | +5.13% |
| 2020-12-31 | $1.19 Billion | $142.41 Million | 0.120x | -12.45% |
| 2019-12-31 | $1.12 Billion | $153.46 Million | 0.137x | -5.65% |
| 2018-12-31 | $1.02 Billion | $147.77 Million | 0.145x | +1.61% |
| 2017-12-31 | $958.18 Million | $136.90 Million | 0.143x | +19.16% |
| 2016-12-31 | $913.32 Million | $109.51 Million | 0.120x | -15.09% |
| 2015-12-31 | $882.00 Million | $124.54 Million | 0.141x | +38.96% |
| 2014-12-31 | $864.18 Million | $87.81 Million | 0.102x | -30.45% |
| 2013-12-31 | $816.57 Million | $119.30 Million | 0.146x | -4.26% |
| 2012-12-31 | $582.27 Million | $88.85 Million | 0.153x | -1.97% |
| 2011-12-31 | $538.11 Million | $83.77 Million | 0.156x | -7.13% |
| 2010-12-31 | $533.57 Million | $89.44 Million | 0.168x | +54.83% |
| 2009-12-31 | $505.12 Million | $54.68 Million | 0.108x | -46.46% |
| 2008-12-31 | $431.85 Million | $87.33 Million | 0.202x | -6.41% |
| 2007-12-31 | $397.30 Million | $85.84 Million | 0.216x | +33.17% |
| 2006-12-31 | $403.82 Million | $65.52 Million | 0.162x | -16.72% |
| 2005-12-31 | $333.94 Million | $65.06 Million | 0.195x | -32.97% |
| 2004-12-31 | $332.23 Million | $96.56 Million | 0.291x | +113.05% |
| 2003-12-31 | $327.03 Million | $44.62 Million | 0.136x | -30.65% |
| 2002-12-31 | $309.38 Million | $60.86 Million | 0.197x | +4.69% |
| 2001-12-31 | $283.36 Million | $53.24 Million | 0.188x | -12.69% |
| 2000-12-31 | $286.64 Million | $61.69 Million | 0.215x | -20.29% |
| 1999-12-31 | $191.47 Million | $51.70 Million | 0.270x | +28.21% |
| 1998-12-31 | $130.60 Million | $27.50 Million | 0.211x | +4.70% |
| 1997-12-31 | $123.30 Million | $24.80 Million | 0.201x | +1.33% |
| 1996-12-31 | $106.30 Million | $21.10 Million | 0.198x | +23.92% |
| 1995-12-31 | $108.00 Million | $17.30 Million | 0.160x | +29.07% |
| 1994-12-31 | $98.30 Million | $12.20 Million | 0.124x | +191.80% |
| 1993-12-31 | $101.10 Million | $4.30 Million | 0.043x | -85.62% |
| 1992-12-31 | $94.00 Million | $27.80 Million | 0.296x | +54.56% |
| 1991-12-31 | $87.80 Million | $16.80 Million | 0.191x | -- |
About NBT Bancorp Inc
NBT Bancorp Inc., a financial holding company, provides personal and commercial banking, retail banking, and wealth management services in the United States. It operates through Banking, Retirement Plan Administration, and All Other segments. The company offers demand deposit, savings, interest-bearing checking, money market deposit, and certificate of deposit accounts; and indirect and direct co… Read more