NBT Bancorp Quarterly Cash Flow Statement
NASDAQ: NBTBFinanceMajor BanksUSD
At close: Oct 9, 4:00 PM ET · Delayed 15 min
NBT Bancorp free cash flow
In the quarter ended Jun 30, 2026, NBT Bancorp generated $61.9 million of operating cash flow and spent $1.4 million on capital expenditures. That left free cash flow of $60.5 million, a free-cash-flow margin of 32.4% of revenue. Free cash flow was up 37.1% from the prior year's $44.1 million.
NBT Bancorp returned $22.2 million to shareholders: $19.2 million in dividends and $3.0 million in share repurchases, equal to 37% of free cash flow. Free cash flow covered dividend payments 3.1 times.
Summary generated from market data by MetaCap's automated system. Methodology
NBT Bancorp cash flow statement (quarterly)
| Quarter (USD) | Q2 20262026-06-30 | Q1 20262026-03-31 | Q4 20252025-12-31 | Q3 20252025-09-30 | Q2 20252025-06-30 | Q1 20252025-03-31 | Q4 20242024-12-31 | Q3 20242024-09-30 | Q2 20242024-06-30 | Q1 20242024-03-31 | Q4 20232023-12-31 | Q3 20232023-09-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | 53.03M | 51.14M | 55.51M | 54.47M | 22.51M | 36.74M | 36.01M | 38.10M | 32.72M | 33.82M | 30.45M | 24.61M |
| Net Income growth (YoY) | +135.58% | +39.18% | +54.17% | +42.98% | -31.20% | +8.64% | +18.26% | +54.83% | +8.79% | +0.49% | -15.71% | -36.86% |
| Stock-Based Compensation | 871.00K | 3.37M | 647.00K | 1.59M | 873.00K | 2.17M | 837.00K | 964.00K | 1.91M | 2.28M | 965.00K | 825.00K |
| Operating Cash Flow | 61.89M | 53.04M | 66.15M | 80.59M | 46.48M | 42.01M | 49.17M | 52.13M | 50.52M | 36.74M | 35.65M | 54.63M |
| Capital Expenditures | -1.36M | -4.42M | -4.03M | -6.24M | -2.33M | -3.70M | -3.63M | -4.31M | -1.38M | -2.42M | -2.92M | -3.46M |
| Investing Cash Flow | -428.83M | -5.69M | -35.84M | -13.82M | 331.90M | -113.16M | -147.59M | -58.01M | -180.43M | -13.13M | 48.17M | 66.56M |
| Dividends Paid | -19.22M | -19.24M | -19.32M | -19.40M | -17.81M | -16.07M | -16.04M | -16.04M | -15.09M | -15.09M | -15.07M | -15.07M |
| Share Repurchases | -3.02M | -11.01M | -10.19M | 0 | 0 | 0 | 0 | 0 | -188.00K | -63.00K | 0 | -2.17M |
| Financing Cash Flow | -54.48M | 181.60M | -183.43M | 31.91M | -90.89M | 41.19M | -99.98M | 280.82M | 18.34M | 90.29M | -551.29M | 349.57M |
| Net Change in Cash | -421.42M | 228.96M | -153.13M | 98.68M | 287.48M | -29.97M | -198.40M | 274.94M | -111.57M | 113.90M | -467.46M | 470.77M |
| Free Cash Flow | 60.53M | 48.62M | 62.12M | 74.35M | 44.15M | 38.30M | 45.54M | 47.83M | 49.14M | 34.32M | 32.73M | 51.18M |
This table shows 12 quarterly periods of NBT Bancorp's cash flow statement, from Q2 2026 back to Q3 2023, 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?