NBT Bancorp Inc Cash Flow Quality Index
NBT Bancorp Inc cash flow quality index. NBT Bancorp Inc (NBTB) has a Cash Flow Quality Index of 1.17x as of June 2026. Operating cash flow of $61.89 Million exceeds net income of $53.03 Million, indicating high earnings quality where cash backs reported profits. See NBTB financial flexibility index to measure the company's free cash flow as a share of total liabilities.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Cash Flow Quality Index of NBT Bancorp Inc (1991–2025)
Cash flow quality index of NBT Bancorp Inc from 1991 to 2025. Historical Cash Flow Quality Index for NBT Bancorp Inc across 35 annual periods. Values consistently above 1.0x indicate high-quality earnings. Explore NBT Bancorp Inc debt service capacity to assess how comfortably operating cash covers total debt obligations.
NBT Bancorp Inc Cash Flow Quality Index by Year (1991–2025)
NBT Bancorp Inc cash flow quality index by year from 1991 to 2025. Year-by-year earnings quality comparison for NBT Bancorp Inc. For the full cash flow conversion analysis, see NBT Bancorp Inc (NBTB) cash conversion ratio.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.39x | $235.22 Million | $169.24 Million | ▲ +3.7% |
| 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 | — |