NBT Bancorp Inc Cash Flow-to-Debt Ratio
NBT Bancorp Inc cash flow-to-debt ratio. NBT Bancorp Inc (NBTB) has a Cash Flow-to-Debt Ratio of 0.00x as of June 2026, meaning its operating cash flow of $61.89 Million could theoretically repay 0% of its total liabilities ($14.27 Billion) in one year. Check NBT Bancorp Inc (NBTB) cash flow quality to evaluate the quality of earnings relative to operating cash generation.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Cash Flow-to-Debt Ratio of NBT Bancorp Inc (1991–2025)
Cash flow-to-debt ratio of NBT Bancorp Inc from 1991 to 2025. Historical debt coverage capacity for NBT Bancorp Inc across 35 annual periods. Check NBT Bancorp Inc cash flow reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
NBT Bancorp Inc Cash Flow-to-Debt Ratio by Year (1991–2025)
NBT Bancorp Inc cash flow-to-debt ratio by year from 1991 to 2025. Year-by-year debt coverage analysis for NBT Bancorp Inc. For the full cash flow conversion analysis, see how efficiently does NBT Bancorp Inc generate cash.
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.02x | $235.22 Million | $14.10 Billion | ▲ +8.5% |
| 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 | — |