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). Also explore NBTB net assets growth trend to track the company's year-over-year net asset growth rate.
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. Check NBT Bancorp Inc (NBTB) strategic investment index to assess the company's strategic physical and investment asset allocation.
Annual Financial Flexibility Index for NBT Bancorp Inc (1991–2024)
Year-by-year free cash flow to debt coverage for NBT Bancorp Inc. For the full company profile including market capitalisation, see NBTB stock market capitalisation.
| 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 | — |