NBT Bancorp Inc (NBTB) — Cash Flow Quality Index
NBT Bancorp Inc (NBTB) has a Cash Flow Quality Index of 1.48x as of September 2025. Operating cash flow of $80.59 Million exceeds net income of $54.47 Million, indicating high earnings quality where cash backs reported profits. Explore NBTB cash flow conversion to assess how effectively this company generates cash.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
NBT Bancorp Inc Cash Flow Quality Index (1991–2024)
Historical Cash Flow Quality Index for NBT Bancorp Inc across 34 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check NBTB capex plus investments ratio to assess the company's total reinvestment commitment from operating cash flow.
Annual Cash Flow Quality Index for NBT Bancorp Inc (1991–2024)
Year-by-year earnings quality comparison for NBT Bancorp Inc. For live market cap and the full company financial profile, see NBT Bancorp Inc stock valuation.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2024 | 1.34x | $188.57 Million | $140.64 Million | ▲ +1.1% |
| 2023 | 1.33x | $157.46 Million | $118.78 Million | ▲ +10.0% |
| 2022 | 1.21x | $183.22 Million | $152.00 Million | ▲ +18.4% |
| 2021 | 1.02x | $157.63 Million | $154.88 Million | ▼ -25.4% |
| 2020 | 1.36x | $142.41 Million | $104.39 Million | ▲ +7.6% |
| 2019 | 1.27x | $153.46 Million | $121.02 Million | ▼ -3.4% |
| 2018 | 1.31x | $147.77 Million | $112.57 Million | ▼ -21.2% |
| 2017 | 1.67x | $136.90 Million | $82.15 Million | ▲ +19.3% |
| 2016 | 1.40x | $109.51 Million | $78.41 Million | ▼ -14.3% |
| 2015 | 1.63x | $124.54 Million | $76.42 Million | ▲ +39.3% |
| 2014 | 1.17x | $87.81 Million | $75.07 Million | ▼ -39.5% |
| 2013 | 1.93x | $119.30 Million | $61.75 Million | ▲ +18.6% |
| 2012 | 1.63x | $88.85 Million | $54.56 Million | ▲ +12.6% |
| 2011 | 1.45x | $83.77 Million | $57.90 Million | ▼ -7.1% |
| 2010 | 1.56x | $89.44 Million | $57.40 Million | ▲ +48.2% |
| 2009 | 1.05x | $54.68 Million | $52.01 Million | ▼ -29.7% |
| 2008 | 1.50x | $87.33 Million | $58.35 Million | ▼ -12.3% |
| 2007 | 1.71x | $85.84 Million | $50.33 Million | ▲ +45.6% |
| 2006 | 1.17x | $65.52 Million | $55.95 Million | ▼ -5.6% |
| 2005 | 1.24x | $65.06 Million | $52.44 Million | ▼ -35.7% |
| 2004 | 1.93x | $96.56 Million | $50.05 Million | ▲ +103.7% |
| 2003 | 0.95x | $44.62 Million | $47.10 Million | ▼ -30.0% |
| 2002 | 1.35x | $60.86 Million | $45.00 Million | ▼ -90.5% |
| 2001 | 14.25x | $53.24 Million | $3.74 Million | ▲ +226.9% |
| 2000 | 4.36x | $61.69 Million | $14.15 Million | ▲ +174.8% |
| 1999 | 1.59x | $51.70 Million | $32.59 Million | ▲ +55.1% |
| 1998 | 1.02x | $27.50 Million | $26.89 Million | ▼ -39.4% |
| 1997 | 1.69x | $24.80 Million | $14.70 Million | ▼ -2.5% |
| 1996 | 1.73x | $21.10 Million | $12.20 Million | ▼ -7.0% |
| 1995 | 1.86x | $17.30 Million | $9.30 Million | ▼ -0.9% |
| 1994 | 1.88x | $12.20 Million | $6.50 Million | ▲ +271.0% |
| 1993 | 0.51x | $4.30 Million | $8.50 Million | ▼ -85.4% |
| 1992 | 3.48x | $27.80 Million | $8.00 Million | ▲ +48.9% |
| 1991 | 2.33x | $16.80 Million | $7.20 Million | — |