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). See NBT Bancorp Inc (NBTB) working capital ratio to evaluate short-term liquidity relative to the company's equity base.
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. Explore NBT Bancorp Inc (NBTB) cash flow to debt to assess how comfortably operating cash covers total debt obligations.
Annual Free Cash Flow Generation for NBT Bancorp Inc (1991–2024)
Year-by-year Free Cash Flow Generation Index for NBT Bancorp Inc. For the full company profile including market capitalisation, see NBT Bancorp Inc stock valuation.
| 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 | — |