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 NBT Bancorp Inc (NBTB) flexibility index to measure the company's free cash flow as a share of total liabilities.
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. For the full cash flow conversion analysis, see cash efficiency ratio of NBT Bancorp Inc.
Annual Cash Flow-to-Debt Ratio for NBT Bancorp Inc (1991–2024)
Year-by-year debt coverage analysis for NBT Bancorp Inc. Check NBT Bancorp Inc cash flow quality index to evaluate the quality of earnings relative to operating cash generation.
| 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 | — |