NBT Bancorp Inc (NBTB) — Cash Flow Reinvestment Rate
NBT Bancorp Inc (NBTB) has a Cash Flow Reinvestment Rate of 0.25x as of September 2025, reinvesting $20.06 Million (capex $6.24 Million plus investments $-13.82 Million) from operating cash flow of $80.59 Million. Explore NBT Bancorp Inc capex to cash flow ratio to see what proportion of operating cash flow is directed to capital expenditures.
Reinvestment Rate
Total Reinvested
Operating Cash Flow
Capital Expenditures
NBT Bancorp Inc Cash Flow Reinvestment Rate (1991–2024)
Historical reinvestment intensity for NBT Bancorp Inc across 34 annual periods. Also explore NBT Bancorp Inc asset portfolio for the complete picture of this company's asset base.
Annual Cash Flow Reinvestment Rate for NBT Bancorp Inc (1991–2024)
Year-by-year capital reinvestment analysis for NBT Bancorp Inc. For live market cap and broader valuation context, see NBTB market cap overview.
| Year | Reinvestment Rate | Total Reinvested (USD) | Operating CF | Capex | YoY Change |
|---|---|---|---|---|---|
| 2024 | 2.18x | $410.90 Million | $188.57 Million | $11.74 Million | ▲ +4.3% |
| 2023 | 2.09x | $328.93 Million | $157.46 Million | $9.25 Million | ▼ -56.0% |
| 2022 | 4.74x | $869.16 Million | $183.22 Million | $7.01 Million | ▲ +45.9% |
| 2021 | 3.25x | $512.59 Million | $157.63 Million | $7.74 Million | ▼ -30.3% |
| 2020 | 4.66x | $663.96 Million | $142.41 Million | $8.16 Million | ▲ +513.7% |
| 2019 | 0.76x | $116.59 Million | $153.46 Million | $6.65 Million | ▼ -73.1% |
| 2018 | 2.82x | $416.64 Million | $147.77 Million | $7.40 Million | ▲ +24.8% |
| 2017 | 2.26x | $309.25 Million | $136.90 Million | $6.69 Million | ▼ -58.0% |
| 2016 | 5.38x | $588.82 Million | $109.51 Million | $3.31 Million | ▲ +32.3% |
| 2015 | 4.07x | $506.35 Million | $124.54 Million | $8.19 Million | ▲ +106.3% |
| 2014 | 1.97x | $173.06 Million | $87.81 Million | $9.00 Million | ▼ -12.9% |
| 2013 | 2.26x | $269.86 Million | $119.30 Million | $5.77 Million | ▲ +9.6% |
| 2012 | 2.06x | $183.34 Million | $88.85 Million | $6.99 Million | ▼ -33.6% |
| 2011 | 3.11x | $260.25 Million | $83.77 Million | $9.95 Million | ▲ +323.8% |
| 2010 | 0.73x | $65.56 Million | $89.44 Million | $6.51 Million | ▲ +528.5% |
| 2009 | 0.12x | $6.38 Million | $54.68 Million | $6.38 Million | ▲ +68.7% |
| 2008 | 0.07x | $6.04 Million | $87.33 Million | $6.04 Million | ▲ +152.1% |
| 2007 | 0.03x | $2.35 Million | $85.84 Million | $2.35 Million | ▼ -57.0% |
| 2006 | 0.06x | $4.18 Million | $65.52 Million | $4.18 Million | ▼ -31.5% |
| 2005 | 0.09x | $6.05 Million | $65.06 Million | $6.05 Million | ▲ +22.2% |
| 2004 | 0.08x | $7.36 Million | $96.56 Million | $7.36 Million | ▼ -56.6% |
| 2003 | 0.18x | $7.83 Million | $44.62 Million | $7.83 Million | ▲ +55.9% |
| 2002 | 0.11x | $6.85 Million | $60.86 Million | $6.85 Million | ▼ -29.1% |
| 2001 | 0.16x | $8.45 Million | $53.24 Million | $8.45 Million | ▲ +496.3% |
| 2000 | 0.03x | $1.64 Million | $61.69 Million | $1.64 Million | ▼ -88.1% |
| 1999 | 0.22x | $11.60 Million | $51.70 Million | $11.60 Million | ▼ -43.6% |
| 1998 | 0.40x | $10.95 Million | $27.50 Million | $10.95 Million | ▲ +153.1% |
| 1997 | 0.16x | $3.90 Million | $24.80 Million | $3.90 Million | ▲ +137.0% |
| 1996 | 0.07x | $1.40 Million | $21.10 Million | $1.40 Million | ▼ -42.6% |
| 1995 | 0.12x | $2.00 Million | $17.30 Million | $2.00 Million | ▼ -29.5% |
| 1994 | 0.16x | $2.00 Million | $12.20 Million | $2.00 Million | ▼ -60.8% |
| 1993 | 0.42x | $1.80 Million | $4.30 Million | $1.80 Million | ▲ +1354.7% |
| 1992 | 0.03x | $800.00K | $27.80 Million | $800.00K | ▼ -71.6% |
| 1991 | 0.10x | $1.70 Million | $16.80 Million | $1.70 Million | — |