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NBT Bancorp Inc. (NBTB)
NASDAQ: NBTB · Real-Time Price · USD
52.82
-0.15 (-0.28%)
At close: Nov 6, 2026, 4:00 PM EST
52.83
+0.01 (0.02%)
After-hours: Nov 6, 2026, 4:10 PM EST

NBT Bancorp Cash Flow Statement

Millions USD. Fiscal year is Jan - Dec.

Operating Activities

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
33.5327.522.2719.0619.88
Other Amortization
0.20.440.440.440.44
Gain (Loss) on Sale of Assets
-0.06-0-0.07-0.260.18
Gain (Loss) on Sale of Investments
1.35-0.2916.84.595.27
Provision for Credit Losses
32.2519.6125.2717.15-8.26
Net Decrease (Increase) in Loans Originated / Sold - Operating
8.15-5.97-1.990.20.46
Change in Other Net Operating Assets
-24.590.75-27.9111.93-11.98
Other Operating Activities
11.180.4-0.79-26-5.35
Operating Cash Flow
235.22188.57157.46183.22159.19
Operating Cash Flow Growth
24.74%19.76%-14.06%15.10%9.58%

Investing Activities

Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Capital Expenditures
-16.3-11.74-9.25-7.01-7.74
Cash Acquisitions
37.94-1.3844.56-2.62-1.55
Investment in Securities
119.06-61.75253.95-239.33-496.97
Net Decrease (Increase) in Loans Originated / Sold - Investing
17.14-337.66-338.11-659.95-9.31
Other Investing Activities
11.2313.384.62-17.32-32.04
Investing Cash Flow
169.07-399.16-44.23-926.22-547.61

Financing Activities

Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Short-Term Debt Issued
---487.22-
Long-Term Debt Issued
--251.52-
Total Debt Issued
--25488.74-
Short-Term Debt Repaid
-57.87-223.71-231.74--70.59
Long-Term Debt Repaid
-144.66-0.15-0.12-12.7-25.1
Total Debt Repaid
-202.54-223.86-231.86-12.7-95.69
Net Debt Issued (Repaid)
-202.54-223.86-206.86476.04-95.69
Issuance of Common Stock
0.120.060.09-0.11
Repurchase of Common Stock
-14.6-2.24-6.82-16.46-24.65
Common Dividends Paid
-72.59-62.26-55.89-49.77-47.74
Net Increase (Decrease) in Deposit Accounts
88.38577.77164.09-738.541,153
Financing Cash Flow
-201.23289.46-105.39-328.73984.81

Net Cash Flow

Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Net Cash Flow
203.0678.877.84-1,072596.39

Free Cash Flow

Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Free Cash Flow
218.92176.83148.2176.21151.45
Free Cash Flow Growth
23.80%19.31%-15.90%16.36%10.45%
Free Cash Flow Margin
32.93%31.73%30.22%35.20%31.09%
Free Cash Flow Per Share
4.303.733.314.083.46

Additional Metrics

Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash Interest Paid
215.59215.15130.1820.6120.29
Cash Income Tax Paid
24.5723.3227.6462.846.1
SEC Filings: 10-K · 10-Q