NBT Bancorp Inc (NBTB) — Free Cash Flow Generation Index
NBT Bancorp Inc (NBTB) has a Free Cash Flow Generation Index of 0.92x as of September 2025. Free cash flow of $74.35 Million represents 1% of operating cash flow ($80.59 Million). Explore NBT Bancorp Inc (NBTB) reinvestment ratio to see what proportion of operating cash flow is directed to capital expenditures.
FCF Generation Index
Free Cash Flow
Operating Cash Flow
Capital Expenditures
NBT Bancorp Inc Free Cash Flow Generation Index (1991–2024)
Historical FCF Generation Index trend for NBT Bancorp Inc across 34 annual periods. For the full cash flow conversion analysis, see cash efficiency ratio of NBT Bancorp Inc.
Annual Free Cash Flow Generation for NBT Bancorp Inc (1991–2024)
Year-by-year Free Cash Flow Generation Index for NBT Bancorp Inc. Check NBT Bancorp Inc (NBTB) total reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
| Year | FCG Index | Free Cash Flow (USD) | Operating CF | Capital Expenditures | YoY Change |
|---|---|---|---|---|---|
| 2024 | 0.94x | $176.82 Million | $188.57 Million | $11.74 Million | ▼ -0.4% |
| 2023 | 0.94x | $148.20 Million | $157.46 Million | $9.25 Million | ▼ -2.1% |
| 2022 | 0.96x | $176.21 Million | $183.22 Million | $7.01 Million | ▲ +1.1% |
| 2021 | 0.95x | $149.90 Million | $157.63 Million | $7.74 Million | ▲ +0.9% |
| 2020 | 0.94x | $134.25 Million | $142.41 Million | $8.16 Million | ▼ -1.5% |
| 2019 | 0.96x | $146.82 Million | $153.46 Million | $6.65 Million | ▲ +0.7% |
| 2018 | 0.95x | $140.37 Million | $147.77 Million | $7.40 Million | ▼ -0.1% |
| 2017 | 0.95x | $130.21 Million | $136.90 Million | $6.69 Million | ▼ -1.9% |
| 2016 | 0.97x | $106.20 Million | $109.51 Million | $3.31 Million | ▲ +3.8% |
| 2015 | 0.93x | $116.35 Million | $124.54 Million | $8.19 Million | ▲ +4.1% |
| 2014 | 0.90x | $78.81 Million | $87.81 Million | $9.00 Million | ▼ -5.7% |
| 2013 | 0.95x | $113.53 Million | $119.30 Million | $5.77 Million | ▲ +3.3% |
| 2012 | 0.92x | $81.86 Million | $88.85 Million | $6.99 Million | ▲ +4.6% |
| 2011 | 0.88x | $73.81 Million | $83.77 Million | $9.95 Million | ▼ -5.0% |
| 2010 | 0.93x | $82.93 Million | $89.44 Million | $6.51 Million | ▲ +5.0% |
| 2009 | 0.88x | $48.31 Million | $54.68 Million | $6.38 Million | ▼ -5.1% |
| 2008 | 0.93x | $81.29 Million | $87.33 Million | $6.04 Million | ▼ -4.3% |
| 2007 | 0.97x | $83.48 Million | $85.84 Million | $2.35 Million | ▲ +3.9% |
| 2006 | 0.94x | $61.34 Million | $65.52 Million | $4.18 Million | ▲ +3.2% |
| 2005 | 0.91x | $59.00 Million | $65.06 Million | $6.05 Million | ▼ -1.8% |
| 2004 | 0.92x | $89.20 Million | $96.56 Million | $7.36 Million | ▲ +12.0% |
| 2003 | 0.82x | $36.79 Million | $44.62 Million | $7.83 Million | ▼ -7.1% |
| 2002 | 0.89x | $54.01 Million | $60.86 Million | $6.85 Million | ▲ +5.5% |
| 2001 | 0.84x | $44.79 Million | $53.24 Million | $8.45 Million | ▼ -13.6% |
| 2000 | 0.97x | $60.05 Million | $61.69 Million | $1.64 Million | ▲ +25.5% |
| 1999 | 0.78x | $40.09 Million | $51.70 Million | $11.60 Million | ▲ +28.8% |
| 1998 | 0.60x | $16.55 Million | $27.50 Million | $10.95 Million | ▼ -28.6% |
| 1997 | 0.84x | $20.90 Million | $24.80 Million | $3.90 Million | ▼ -9.7% |
| 1996 | 0.93x | $19.70 Million | $21.10 Million | $1.40 Million | ▲ +5.6% |
| 1995 | 0.88x | $15.30 Million | $17.30 Million | $2.00 Million | ▲ +5.8% |
| 1994 | 0.84x | $10.20 Million | $12.20 Million | $2.00 Million | ▲ +43.8% |
| 1993 | 0.58x | $2.50 Million | $4.30 Million | $1.80 Million | ▼ -40.1% |
| 1992 | 0.97x | $27.00 Million | $27.80 Million | $800.00K | ▲ +8.1% |
| 1991 | 0.90x | $15.10 Million | $16.80 Million | $1.70 Million | — |