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. Check NBT Bancorp Inc cash flow quality index to evaluate the quality of earnings relative to operating cash generation.
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. Explore NBT Bancorp Inc long-term investment intensity to see how much of total assets are deployed in long-term investments.
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.
| 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 | — |