NBT Bancorp Inc (NBTB) — Financial Flexibility Index
NBT Bancorp Inc (NBTB) has a Financial Flexibility Index of 0.01x as of September 2025. Free cash flow of $86.83 Million (operating CF $80.59 Million minus capex $6.24 Million) represents 0% of total liabilities ($14.26 Billion). Check NBT Bancorp Inc (NBTB) reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
NBT Bancorp Inc Financial Flexibility Index (1991–2024)
Historical Financial Flexibility Index trend for NBT Bancorp Inc across 34 annual periods. For the full cash flow conversion analysis, see NBTB cash generation efficiency.
Annual Financial Flexibility Index for NBT Bancorp Inc (1991–2024)
Year-by-year free cash flow to debt coverage for NBT Bancorp Inc. Explore how well can NBT Bancorp Inc service its debt to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2024 | 0.02x | $200.31 Million | $188.57 Million | $12.26 Billion | ▲ +16.5% |
| 2023 | 0.01x | $166.71 Million | $157.46 Million | $11.88 Billion | ▼ -22.1% |
| 2022 | 0.02x | $190.23 Million | $183.22 Million | $10.57 Billion | ▲ +17.2% |
| 2021 | 0.02x | $165.38 Million | $157.63 Million | $10.76 Billion | ▼ -0.5% |
| 2020 | 0.02x | $150.57 Million | $142.41 Million | $9.75 Billion | ▼ -17.1% |
| 2019 | 0.02x | $160.11 Million | $153.46 Million | $8.60 Billion | ▲ +2.5% |
| 2018 | 0.02x | $155.18 Million | $147.77 Million | $8.54 Billion | ▲ +3.5% |
| 2017 | 0.02x | $143.59 Million | $136.90 Million | $8.18 Billion | ▲ +23.8% |
| 2016 | 0.01x | $112.82 Million | $109.51 Million | $7.95 Billion | ▼ -21.1% |
| 2015 | 0.02x | $132.74 Million | $124.54 Million | $7.38 Billion | ▲ +28.8% |
| 2014 | 0.01x | $96.81 Million | $87.81 Million | $6.93 Billion | ▼ -23.7% |
| 2013 | 0.02x | $125.06 Million | $119.30 Million | $6.84 Billion | ▲ +4.2% |
| 2012 | 0.02x | $95.85 Million | $88.85 Million | $5.46 Billion | ▼ -5.2% |
| 2011 | 0.02x | $93.72 Million | $83.77 Million | $5.06 Billion | ▼ -7.2% |
| 2010 | 0.02x | $95.95 Million | $89.44 Million | $4.81 Billion | ▲ +62.2% |
| 2009 | 0.01x | $61.06 Million | $54.68 Million | $4.96 Billion | ▼ -35.3% |
| 2008 | 0.02x | $93.36 Million | $87.33 Million | $4.90 Billion | ▲ +3.7% |
| 2007 | 0.02x | $88.19 Million | $85.84 Million | $4.80 Billion | ▲ +23.4% |
| 2006 | 0.01x | $69.69 Million | $65.52 Million | $4.68 Billion | ▼ -14.4% |
| 2005 | 0.02x | $71.11 Million | $65.06 Million | $4.09 Billion | ▼ -35.1% |
| 2004 | 0.03x | $103.92 Million | $96.56 Million | $3.88 Billion | ▲ +90.0% |
| 2003 | 0.01x | $52.44 Million | $44.62 Million | $3.72 Billion | ▼ -28.9% |
| 2002 | 0.02x | $67.72 Million | $60.86 Million | $3.41 Billion | ▲ +7.8% |
| 2001 | 0.02x | $61.70 Million | $53.24 Million | $3.35 Billion | ▼ -3.6% |
| 2000 | 0.02x | $63.33 Million | $61.69 Million | $3.32 Billion | ▼ -34.0% |
| 1999 | 0.03x | $63.30 Million | $51.70 Million | $2.19 Billion | ▼ -12.8% |
| 1998 | 0.03x | $38.45 Million | $27.50 Million | $1.16 Billion | ▲ +33.7% |
| 1997 | 0.02x | $28.70 Million | $24.80 Million | $1.16 Billion | ▲ +13.8% |
| 1996 | 0.02x | $22.50 Million | $21.10 Million | $1.03 Billion | ▲ +12.7% |
| 1995 | 0.02x | $19.30 Million | $17.30 Million | $998.30 Million | ▲ +28.8% |
| 1994 | 0.02x | $14.20 Million | $12.20 Million | $946.30 Million | ▲ +109.8% |
| 1993 | 0.01x | $6.10 Million | $4.30 Million | $852.80 Million | ▼ -80.6% |
| 1992 | 0.04x | $28.60 Million | $27.80 Million | $774.60 Million | ▲ +49.9% |
| 1991 | 0.02x | $18.50 Million | $16.80 Million | $751.10 Million | — |