NBT Bancorp Inc (NBTB) — Cash Flow-to-Debt Ratio
Latest as of September 2025:
0.01x
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. Explore NBTB long-term investment intensity to see how much of total assets are deployed in long-term investments.
CF-to-Debt Ratio
0.01x
Operating CF / Total Liabilities
Operating Cash Flow
$80.59 Million
USD
Total Liabilities
$14.26 Billion
USD
Data as of
Sep 2025
Most recent filing
NBT Bancorp Inc Cash Flow-to-Debt Ratio (1991–2024)
Historical debt coverage capacity for NBT Bancorp Inc across 34 annual periods. Also explore NBTB asset base for the complete picture of this company's asset base.
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 company net worth.
| 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 | — |
Cash Flow-to-Debt Ratio = Operating Cash Flow / Total Liabilities. Higher is better for debt service capacity.