NBT Bancorp Inc (NBTB) - Cash Flow Conversion Efficiency
Based on the latest financial reports, NBT Bancorp Inc (NBTB) has a cash flow conversion efficiency ratio of 0.043x as of September 2025. 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 ($80.59 Million) by net assets ($1.85 Billion). A higher ratio indicates that the company is more efficient at using its equity to generate cash flow from its core operations.
NBT Bancorp Inc - Cash Flow Conversion Efficiency Trend (1991–2024)
This chart illustrates how NBT Bancorp Inc's cash flow conversion efficiency has evolved over time, based on yearly financial data. Read NBTB total liabilities for a breakdown of total debt and financial obligations.
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.
| Company | Cash Flow Conversion Efficiency |
|---|---|
|
Teekay Tankers Ltd
NYSE:TNK
|
0.039x |
|
Headwater Exploration Inc
TO:HWX
|
0.100x |
|
Investco Holding AS
IS:INVES
|
0.180x |
|
Shanghai Haoyuan Chemexpress Co. Ltd. A
SHG:688131
|
0.034x |
|
Korea Gas Corporation
KO:036460
|
-0.081x |
|
Foryou Corp
SHE:002906
|
0.043x |
|
Tower Bersama Infrastructure Tbk PT
JK:TBIG
|
0.075x |
|
Chung-Hsin Electric & Machinery Mfg Corp
TW:1513
|
0.229x |
Annual Cash Flow Conversion Efficiency for NBT Bancorp Inc (1991–2024)
The table below shows the annual cash flow conversion efficiency of NBT Bancorp Inc from 1991 to 2024. For the full company profile with market capitalisation and key ratios, see market cap of NBT Bancorp Inc.
| Year | Net Assets | Operating Cash Flow | Cash Flow Conversion Efficiency | Change |
|---|---|---|---|---|
| 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 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 indirect and direct consumer, home equity, mortgages, business banking loans, and commercia… Read more