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 strategic capital deployment ratio to see how much of total assets are deployed in long-term investments.
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 NBT Bancorp Inc (NBTB) tangible net worth to evaluate the tangible quality of the company's equity base.
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 NBTB stock market capitalisation.
| 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 | — |