NBT Bancorp Cash Flow Statement
NASDAQ: NBTBFinanceMajor BanksUSD
At close: Oct 9, 4:00 PM ET · Delayed 15 min
NBT Bancorp free cash flow
In fiscal 2025, NBT Bancorp generated $235.2 million of operating cash flow and spent $16.3 million on capital expenditures. That left free cash flow of $218.9 million, a free-cash-flow margin of 119.7% of revenue. Free cash flow was up 23.8% from the prior year's $176.8 million.
NBT Bancorp returned $82.8 million to shareholders: $72.6 million in dividends and $10.2 million in share repurchases, equal to 38% of free cash flow. Free cash flow covered dividend payments 3.0 times.
Summary generated from market data by MetaCap's automated system. Methodology
NBT Bancorp cash flow statement (annual)
| Fiscal year (USD) | FY 20252025-12-31 | FY 20242024-12-31 | FY 20232023-12-31 | FY 20222022-12-31 | FY 20212021-12-31 | FY 20202020-12-31 | FY 20192019-12-31 | FY 20182018-12-31 | FY 20172017-12-31 | FY 20162016-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | 169.24M | 140.64M | 118.78M | 152.00M | 154.88M | 104.39M | 121.02M | 112.57M | 82.15M | 78.41M |
| Net Income growth (YoY) | +20.33% | +18.40% | -21.85% | -1.87% | +48.37% | -13.74% | +7.51% | +37.02% | +4.77% | +2.60% |
| Stock-Based Compensation | 5.28M | 5.99M | 5.10M | 4.53M | 4.41M | 4.58M | 4.21M | 3.94M | 3.64M | 4.38M |
| Change in Working Capital | — | — | — | — | — | — | — | -9.55M | 7.40M | -8.22M |
| Operating Cash Flow | 235.22M | 188.57M | 157.46M | 183.22M | 159.19M | 145.27M | 153.46M | 147.77M | 136.90M | 110.56M |
| Capital Expenditures | -16.30M | -11.74M | -9.25M | -7.01M | -7.74M | -8.16M | -6.65M | -7.40M | -6.69M | -3.31M |
| Investing Cash Flow | 169.07M | -399.16M | -44.23M | -926.22M | -547.61M | -712.59M | -64.34M | -417.62M | -305.19M | -629.96M |
| Dividends Paid | -72.59M | -62.26M | -55.89M | -49.77M | -47.74M | -47.21M | -46.01M | -43.27M | -40.10M | -38.88M |
| Share Repurchases | -10.19M | -251.00K | -4.94M | -14.71M | -21.71M | -7.98M | 0 | 0 | 0 | -17.19M |
| Debt Issued | — | — | — | — | — | — | 10.60M | 25.00M | 25.00M | 23.88M |
| Debt Repaid | — | — | — | — | — | — | -20.11M | -40.15M | -40.22M | -50.24M |
| Financing Cash Flow | -201.23M | 289.46M | -105.39M | -328.73M | 984.81M | 1.02B | -53.23M | 291.14M | 178.77M | 528.28M |
| Net Change in Cash | 203.06M | 78.87M | 7.84M | -1.07B | 596.39M | 455.84M | 35.89M | 21.29M | 10.48M | 8.88M |
| Free Cash Flow | 218.92M | 176.82M | 148.20M | 176.21M | 151.44M | 137.12M | 146.82M | 140.37M | 130.21M | 107.26M |
This table shows 10 annual periods of NBT Bancorp's cash flow statement, from FY 2025 back to FY 2016, across 13 line items including net income, stock-based compensation, change in working capital. Values in USD; B = billions, M = millions. Fiscal periods follow NBTB's reporting calendar. What is a cash flow statement?