NBT Bancorp Inc (NBTB) — Cash Flow-to-Debt Ratio
NBT Bancorp Inc (NBTB) has a Cash Flow-to-Debt Ratio of 0.01x as of September 2025, meaning its operating cash flow of $80.59 Million could theoretically repay 0% of its total liabilities ($14.26 Billion) in one year. See NBTB free cash flow to operating cash ratio to measure how efficiently the company converts operating cash flow to free cash.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
NBT Bancorp Inc Cash Flow-to-Debt Ratio (1991–2024)
Historical debt coverage capacity for NBT Bancorp Inc across 34 annual periods. Also explore net asset growth rate of NBT Bancorp Inc to track the company's year-over-year net asset growth rate.
Annual Cash Flow-to-Debt Ratio for NBT Bancorp Inc (1991–2024)
Year-by-year debt coverage analysis for NBT Bancorp Inc. For market capitalisation and broader financial context, see NBTB market cap.
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2024 | 0.02x | $188.57 Million | $12.26 Billion | ▲ +16.1% |
| 2023 | 0.01x | $157.46 Million | $11.88 Billion | ▼ -23.6% |
| 2022 | 0.02x | $183.22 Million | $10.57 Billion | ▲ +18.4% |
| 2021 | 0.01x | $157.63 Million | $10.76 Billion | ▲ +0.2% |
| 2020 | 0.01x | $142.41 Million | $9.75 Billion | ▼ -18.1% |
| 2019 | 0.02x | $153.46 Million | $8.60 Billion | ▲ +3.2% |
| 2018 | 0.02x | $147.77 Million | $8.54 Billion | ▲ +3.4% |
| 2017 | 0.02x | $136.90 Million | $8.18 Billion | ▲ +21.6% |
| 2016 | 0.01x | $109.51 Million | $7.95 Billion | ▼ -18.4% |
| 2015 | 0.02x | $124.54 Million | $7.38 Billion | ▲ +33.2% |
| 2014 | 0.01x | $87.81 Million | $6.93 Billion | ▼ -27.4% |
| 2013 | 0.02x | $119.30 Million | $6.84 Billion | ▲ +7.2% |
| 2012 | 0.02x | $88.85 Million | $5.46 Billion | ▼ -1.7% |
| 2011 | 0.02x | $83.77 Million | $5.06 Billion | ▼ -11.1% |
| 2010 | 0.02x | $89.44 Million | $4.81 Billion | ▲ +68.8% |
| 2009 | 0.01x | $54.68 Million | $4.96 Billion | ▼ -38.1% |
| 2008 | 0.02x | $87.33 Million | $4.90 Billion | ▼ -0.3% |
| 2007 | 0.02x | $85.84 Million | $4.80 Billion | ▲ +27.7% |
| 2006 | 0.01x | $65.52 Million | $4.68 Billion | ▼ -12.0% |
| 2005 | 0.02x | $65.06 Million | $4.09 Billion | ▼ -36.1% |
| 2004 | 0.02x | $96.56 Million | $3.88 Billion | ▲ +107.5% |
| 2003 | 0.01x | $44.62 Million | $3.72 Billion | ▼ -32.7% |
| 2002 | 0.02x | $60.86 Million | $3.41 Billion | ▲ +12.3% |
| 2001 | 0.02x | $53.24 Million | $3.35 Billion | ▼ -14.6% |
| 2000 | 0.02x | $61.69 Million | $3.32 Billion | ▼ -21.3% |
| 1999 | 0.02x | $51.70 Million | $2.19 Billion | ▼ -0.5% |
| 1998 | 0.02x | $27.50 Million | $1.16 Billion | ▲ +10.7% |
| 1997 | 0.02x | $24.80 Million | $1.16 Billion | ▲ +4.9% |
| 1996 | 0.02x | $21.10 Million | $1.03 Billion | ▲ +17.9% |
| 1995 | 0.02x | $17.30 Million | $998.30 Million | ▲ +34.4% |
| 1994 | 0.01x | $12.20 Million | $946.30 Million | ▲ +155.7% |
| 1993 | 0.01x | $4.30 Million | $852.80 Million | ▼ -86.0% |
| 1992 | 0.04x | $27.80 Million | $774.60 Million | ▲ +60.5% |
| 1991 | 0.02x | $16.80 Million | $751.10 Million | — |