NBT Bancorp Inc. (NBTB)
NASDAQ: NBTB · Real-Time Price · USD
41.62
-0.81 (-1.92%)
At close: Mar 6, 2026, 4:00 PM EST
41.82
+0.20 (0.49%)
After-hours: Mar 6, 2026, 7:42 PM EST

NBT Bancorp Cash Flow Statement

Millions USD. Fiscal year is Jan - Dec.
Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Net Income
169.24140.64118.78152154.89
Depreciation & Amortization
35.033025.0122.5225.71
Provision for Credit Losses
32.2519.6125.2717.15-8.26
Stock-Based Compensation
5.285.995.14.534.41
Net Change in Loans Held-for-Sale
8.15-5.97-1.990.20.46
Other Adjustments
9.86-2.4513.19-25.1-6.05
Changes in Other Operating Activities
-24.590.75-27.9111.93-11.98
Operating Cash Flow
235.22188.57157.46183.22159.19
Operating Cash Flow Growth
24.74%19.76%-14.06%15.10%9.58%
Net Change in Loans Held-for-Investment
17.14-337.66-338.11-659.95-9.31
Net Change in Securities and Investments
119.06-61.75253.95-239.33-496.97
Payments for Business Acquisitions
37.94-1.3844.56-2.62-1.55
Capital Expenditures
-16.3-11.74-9.25-7.01-7.74
Sale of Property, Plant & Equipment
0.350.080.270.431.29
Other Investing Activities
10.8813.34.36-17.74-33.33
Investing Cash Flow
169.07-399.16-44.23-926.22-547.61
Net Change in Deposits
88.38577.77164.09-738.541,153
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements
-57.87-223.71-231.74487.22-70.59
Long-Term Debt Issued
--251.52-
Long-Term Debt Repaid
-144.66-0.15-0.12-12.7-25.1
Net Long-Term Debt Issued (Repaid)
-144.66-0.1524.88-11.18-25.1
Issuance of Common Stock
0.120.060.09-0.11
Repurchase of Common Stock
-14.6-2.24-6.82-16.46-24.65
Net Common Stock Issued (Repurchased)
-14.48-2.18-6.73-16.46-24.53
Common Dividends Paid
-72.59-62.26-55.89-49.77-47.74
Financing Cash Flow
-201.23289.46-105.39-328.73984.81
Net Cash Flow
203.0678.877.84-1,072596.39
Free Cash Flow
218.92176.83148.2176.21151.45
Free Cash Flow Growth
23.80%19.31%-15.90%16.36%10.45%
FCF Margin
32.93%31.73%29.93%35.20%31.09%
Free Cash Flow Per Share
4.303.733.314.083.46
Levered Free Cash Flow
18.71159.49131.51168.26135.78
Unlevered Free Cash Flow
-5.8619-12.1527.445.99
Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.
SEC Filings: 10-K · 10-Q