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. See NBT Bancorp Inc (NBTB) free cash flow to measure how efficiently the company converts operating cash flow to free cash.
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. For the full cash flow conversion analysis, see NBTB cash flow conversion.
Annual Cash Flow Reinvestment Rate for NBT Bancorp Inc (1991–2024)
Year-by-year capital reinvestment analysis for NBT Bancorp Inc. See NBT Bancorp Inc financial flexibility index to measure the company's free cash flow as a share of total liabilities.
| 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 | — |