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NBT Bancorp Inc
NASDAQ:NBTB

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NBT Bancorp Inc Logo
NBT Bancorp Inc
NASDAQ:NBTB
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Price: 42.66 USD -4.03% Market Closed
Market Cap: $2.2B
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Financials Section:
Income Statement Balance Sheet Cash Flow Statement

Cash Flow Statement

Operating Cash Flow
+
3Y
+24%
5Y
+39%
10Y
+79%
Investing Cash Flow
+
3Y
-
5Y
-
10Y
-
Financing Cash Flow
+
3Y
+69%
5Y
-
10Y
-

Cash Flow Statement
NBT Bancorp Inc

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Cash Flow Statement
Currency: USD
Dec-2001 Mar-2002 Jun-2002 Sep-2002 Dec-2002 Mar-2003 Jun-2003 Sep-2003 Dec-2003 Mar-2004 Jun-2004 Sep-2004 Dec-2004 Mar-2005 Jun-2005 Sep-2005 Dec-2005 Mar-2006 Jun-2006 Sep-2006 Dec-2006 Mar-2007 Jun-2007 Sep-2007 Dec-2007 Mar-2008 Jun-2008 Sep-2008 Dec-2008 Mar-2009 Jun-2009 Sep-2009 Dec-2009 Mar-2010 Jun-2010 Sep-2010 Dec-2010 Mar-2011 Jun-2011 Sep-2011 Dec-2011 Mar-2012 Jun-2012 Sep-2012 Dec-2012 Mar-2013 Jun-2013 Sep-2013 Dec-2013 Mar-2014 Jun-2014 Sep-2014 Dec-2014 Mar-2015 Jun-2015 Sep-2015 Dec-2015 Mar-2016 Jun-2016 Sep-2016 Dec-2016 Mar-2017 Jun-2017 Sep-2017 Dec-2017 Mar-2018 Jun-2018 Sep-2018 Dec-2018 Mar-2019 Jun-2019 Sep-2019 Dec-2019 Mar-2020 Jun-2020 Sep-2020 Dec-2020 Mar-2021 Jun-2021 Sep-2021 Dec-2021 Mar-2022 Jun-2022 Sep-2022 Dec-2022 Mar-2023 Jun-2023 Sep-2023 Dec-2023 Mar-2024 Jun-2024 Sep-2024 Dec-2024 Mar-2025 Jun-2025 Sep-2025
Operating Cash Flow
Net Income
4
5
10
20
45
46
46
46
47
48
49
50
50
50
51
52
52
53
54
55
56
56
54
55
50
50
53
53
58
58
55
53
52
53
56
57
57
58
58
59
58
57
56
55
55
49
52
57
62
72
83
75
75
75
67
76
76
77
78
78
78
80
81
84
82
88
95
102
113
116
118
121
121
102
96
99
104
134
149
152
155
154
152
153
152
147
139
124
119
119
122
135
141
144
133
150
Depreciation & Amortization
10
11
9
9
7
7
7
7
7
7
7
6
6
7
7
7
7
7
7
8
8
8
7
7
7
7
7
7
7
8
8
9
9
9
9
8
8
8
8
8
9
9
9
9
10
10
11
12
13
13
13
13
13
14
14
13
14
13
13
13
13
13
13
13
13
13
13
13
13
14
13
13
13
13
13
13
13
13
13
13
13
13
13
13
13
13
12
14
15
17
23
26
20
20
18
18
Change in Deffered Taxes
(6)
0
0
0
9
0
0
0
6
0
0
0
8
0
0
0
1
0
0
0
10
0
0
0
2
0
0
0
5
4
4
0
(2)
(5)
(9)
(16)
(15)
(14)
(11)
(4)
(10)
(8)
(7)
(8)
0
1
1
4
2
0
1
(1)
8
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
6
0
0
0
9
0
0
0
Stock-Based Compensation
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
3
1
1
2
3
3
3
2
2
3
3
3
3
2
3
3
4
4
4
4
3
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
5
5
4
4
4
4
4
4
4
4
4
4
4
4
5
5
5
5
4
4
4
4
5
5
5
5
5
5
5
6
6
6
6
5
5
Other Non-Cash Items
(7)
(6)
(5)
(5)
0
2
(26)
(24)
6
(25)
4
3
5
4
4
3
0
0
0
1
1
1
0
1
1
1
1
2
(0)
2
2
1
1
(0)
1
1
2
3
2
2
2
3
4
4
4
4
5
6
6
4
9
21
19
20
14
1
2
2
3
4
6
9
9
8
12
9
9
9
2
4
6
7
9
9
9
10
11
12
12
12
11
10
10
9
9
8
8
8
13
12
10
8
8
6
9
10
Cash Taxes Paid
8
8
14
14
11
11
10
10
13
13
14
14
11
11
17
21
24
24
20
19
20
20
16
17
18
18
19
17
17
17
14
16
14
17
31
32
37
35
31
31
31
32
31
27
26
24
16
20
21
23
36
45
39
37
28
21
29
31
41
39
41
39
33
34
34
36
44
43
32
31
22
21
28
29
20
47
46
46
70
47
46
46
42
49
63
76
60
48
28
16
16
18
23
22
30
23
Cash Interest Paid
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
24
31
38
45
26
23
22
21
21
21
21
21
22
23
23
24
25
26
27
29
32
37
42
49
53
56
55
48
40
32
26
23
23
20
18
17
18
21
33
53
84
130
168
198
215
215
209
207
213
Change in Working Capital
52
34
41
33
0
10
15
8
(21)
30
18
23
28
1
1
(4)
5
13
21
16
(9)
(15)
(7)
(9)
25
31
23
30
17
(10)
(1)
14
(5)
20
16
14
37
40
31
24
25
14
13
14
21
15
28
39
37
54
14
(16)
(28)
(31)
(4)
22
32
31
26
17
14
7
23
22
30
39
11
17
20
14
15
11
10
31
50
34
17
(12)
(10)
(1)
(20)
(25)
(8)
1
10
3
(11)
6
4
18
17
1
11
15
21
33
Cash from Operating Activities
53
N/A
37
-30%
49
+31%
50
+2%
61
+22%
73
+19%
51
-30%
46
-10%
46
0%
66
+45%
84
+27%
89
+5%
97
+9%
70
-28%
70
N/A
65
-6%
65
0%
75
+14%
84
+12%
80
-4%
66
-18%
59
-10%
65
+10%
64
-2%
86
+35%
91
+6%
85
-6%
93
+9%
87
-6%
62
-29%
68
+10%
82
+19%
55
-33%
77
+40%
72
-6%
64
-12%
89
+40%
95
+6%
88
-7%
88
+0%
84
-5%
74
-11%
74
-1%
74
+0%
89
+20%
79
-11%
98
+23%
118
+20%
119
+2%
146
+23%
120
-18%
92
-24%
88
-4%
86
-2%
100
+17%
122
+22%
125
+2%
124
-1%
119
-4%
111
-7%
111
-1%
109
-1%
126
+16%
127
+1%
137
+8%
149
+9%
128
-14%
140
+9%
148
+5%
147
-1%
152
+4%
152
0%
154
+1%
155
+1%
169
+9%
157
-7%
145
-7%
147
+1%
164
+12%
175
+7%
159
-9%
152
-5%
166
+9%
176
+6%
183
+4%
170
-7%
148
-13%
152
+3%
157
+4%
172
+9%
178
+3%
175
-1%
189
+8%
194
+3%
190
-2%
218
+15%
Investing Cash Flow
Capital Expenditures
(9)
(7)
(8)
(7)
(7)
(8)
(7)
(8)
(8)
(7)
(7)
(7)
(7)
(7)
(8)
(7)
(6)
(5)
(4)
(4)
(4)
(4)
(4)
(3)
(2)
(4)
(5)
(6)
(6)
(6)
(5)
(6)
(6)
(7)
(7)
(6)
(7)
(6)
(6)
(8)
(10)
(11)
(11)
(9)
(7)
(7)
(7)
(6)
(6)
(6)
(7)
(9)
(9)
(9)
(8)
(7)
(8)
(9)
(8)
(8)
(3)
(3)
(4)
(3)
(7)
(7)
(6)
(7)
(7)
(8)
(8)
(7)
(7)
(8)
(8)
(7)
(8)
(6)
(8)
(9)
(8)
(8)
(7)
(7)
(7)
(7)
(8)
(9)
(9)
(10)
(10)
(11)
(12)
(13)
(14)
(16)
Other Items
52
(2)
(30)
(105)
(125)
(121)
(167)
(304)
(300)
(283)
(304)
(183)
(217)
(262)
(235)
(189)
(200)
(227)
(231)
(275)
(272)
(182)
(134)
(98)
(95)
(154)
(185)
(215)
(211)
(141)
(56)
(41)
(22)
(52)
(23)
97
65
78
(17)
(165)
(166)
(140)
(157)
(166)
(120)
(89)
(116)
(136)
(178)
(315)
(276)
(204)
(135)
(139)
(284)
(320)
(496)
(606)
(511)
(605)
(627)
(531)
(512)
(446)
(299)
(313)
(429)
(423)
(410)
(243)
(77)
57
(58)
(227)
(626)
(783)
(704)
(769)
(400)
(477)
(540)
(748)
(830)
(808)
(919)
(612)
(521)
(311)
(35)
29
(69)
(192)
(387)
(486)
27
73
Cash from Investing Activities
43
N/A
(9)
N/A
(38)
-335%
(112)
-193%
(132)
-17%
(129)
+2%
(174)
-34%
(312)
-79%
(308)
+1%
(290)
+6%
(311)
-7%
(190)
+39%
(225)
-18%
(269)
-20%
(243)
+10%
(196)
+19%
(206)
-5%
(232)
-12%
(235)
-1%
(279)
-19%
(277)
+1%
(186)
+33%
(138)
+26%
(101)
+27%
(98)
+3%
(157)
-61%
(190)
-21%
(220)
-16%
(217)
+2%
(146)
+33%
(61)
+58%
(47)
+22%
(28)
+40%
(58)
-104%
(29)
+49%
91
N/A
59
-36%
72
+23%
(23)
N/A
(173)
-655%
(176)
-1%
(150)
+15%
(168)
-12%
(175)
-4%
(127)
+28%
(95)
+25%
(123)
-29%
(141)
-15%
(184)
-30%
(321)
-75%
(283)
+12%
(213)
+25%
(144)
+33%
(148)
-3%
(292)
-98%
(327)
-12%
(504)
-54%
(615)
-22%
(519)
+16%
(613)
-18%
(630)
-3%
(534)
+15%
(516)
+3%
(449)
+13%
(305)
+32%
(319)
-5%
(435)
-36%
(430)
+1%
(418)
+3%
(251)
+40%
(85)
+66%
50
N/A
(64)
N/A
(235)
-265%
(634)
-170%
(790)
-25%
(713)
+10%
(775)
-9%
(407)
+47%
(486)
-19%
(548)
-13%
(756)
-38%
(837)
-11%
(815)
+3%
(926)
-14%
(619)
+33%
(529)
+15%
(320)
+40%
(44)
+86%
18
N/A
(79)
N/A
(203)
-158%
(399)
-96%
(499)
-25%
13
N/A
57
+336%
Financing Cash Flow
Net Issuance of Common Stock
(11)
(11)
(8)
(10)
(11)
(17)
(16)
(8)
(7)
(1)
(8)
(9)
(9)
(20)
(17)
(20)
(23)
(13)
(24)
(20)
(17)
(25)
(26)
(49)
(49)
(46)
(30)
(6)
(6)
0
34
34
33
33
(0)
(1)
(1)
(3)
(22)
(31)
(31)
(28)
(25)
(16)
(16)
0
(6)
(13)
(13)
0
(7)
(0)
(0)
(1)
(11)
(27)
(27)
(43)
(33)
(17)
(17)
0
0
0
0
0
0
0
0
0
0
0
0
(8)
(8)
(8)
(8)
(9)
(10)
(14)
(22)
(21)
(27)
(22)
(15)
(7)
(3)
(5)
(5)
(5)
(2)
(0)
(0)
(0)
0
0
Net Issuance of Debt
(31)
11
50
88
57
33
108
238
222
167
137
13
61
94
85
61
131
87
(27)
1
(67)
(157)
(100)
(59)
30
228
183
101
45
(82)
(101)
(57)
(128)
(72)
(86)
(132)
(181)
(134)
(95)
(70)
20
(4)
33
(24)
(22)
(49)
(12)
51
108
51
74
(194)
(335)
(360)
(144)
(14)
125
154
134
206
213
166
144
72
22
31
8
115
137
(56)
(234)
(358)
(226)
(6)
(192)
(182)
(414)
(406)
(299)
(134)
(96)
(30)
(39)
(36)
476
424
614
407
(207)
(242)
(461)
(285)
(224)
(207)
(180)
(252)
Cash Paid for Dividends
(20)
(21)
(22)
(23)
(22)
(22)
(22)
(22)
(22)
(22)
(23)
(24)
(24)
(25)
(25)
(25)
(25)
(25)
(25)
(26)
(26)
(26)
(26)
(26)
(26)
(26)
(26)
(26)
(26)
(26)
(26)
(27)
(27)
(28)
(28)
(28)
(28)
(28)
(28)
(27)
(27)
(27)
(27)
(27)
(27)
(27)
(29)
(31)
(34)
(36)
(36)
(37)
(37)
(37)
(38)
(38)
(38)
(38)
(38)
(38)
(39)
(39)
(40)
(40)
(40)
(51)
(41)
(42)
(43)
(45)
(45)
(46)
(46)
(47)
(47)
(47)
(47)
(35)
(47)
(47)
(48)
(48)
(48)
(49)
(50)
(51)
(51)
(54)
(56)
(58)
(60)
(61)
(62)
(63)
(66)
(69)
Other
(34)
(10)
(18)
34
42
91
86
42
72
52
83
125
80
160
145
130
94
130
249
255
318
358
220
169
81
(109)
(16)
53
63
234
130
117
172
105
47
101
43
83
15
63
90
112
149
116
137
107
76
84
(2)
59
172
318
416
416
335
294
313
431
374
354
372
285
279
283
197
208
329
210
197
223
248
301
219
246
1 222
1 214
1 493
1 950
967
1 235
1 150
643
241
(279)
(740)
(782)
(501)
172
162
203
431
185
576
510
377
204
Cash from Financing Activities
(97)
N/A
(31)
+68%
3
N/A
90
+3 365%
66
-27%
86
+30%
156
+82%
249
+60%
265
+6%
197
-26%
189
-4%
105
-44%
107
+1%
209
+96%
188
-10%
146
-22%
177
+21%
178
+1%
172
-3%
209
+21%
207
-1%
151
-27%
69
-54%
34
-50%
36
+5%
47
+29%
111
+138%
122
+10%
77
-37%
126
+64%
37
-71%
67
+84%
51
-25%
39
-23%
(67)
N/A
(59)
+12%
(166)
-182%
(82)
+51%
(129)
-59%
(64)
+50%
52
N/A
53
+2%
131
+145%
50
-62%
72
+46%
16
-78%
30
+89%
92
+210%
60
-35%
62
+3%
202
+228%
88
-57%
44
-50%
19
-57%
143
+659%
215
+51%
373
+73%
504
+35%
437
-13%
505
+16%
528
+5%
411
-22%
382
-7%
315
-18%
179
-43%
188
+5%
296
+57%
282
-4%
291
+3%
122
-58%
(31)
N/A
(103)
-231%
(53)
+48%
186
N/A
975
+425%
977
+0%
1 023
+5%
1 500
+47%
611
-59%
1 040
+70%
985
-5%
543
-45%
128
-77%
(386)
N/A
(329)
+15%
(415)
-26%
59
N/A
520
+777%
(105)
N/A
(101)
+4%
(93)
+8%
(162)
-74%
289
N/A
240
-17%
131
-45%
(118)
N/A
Change in Cash
Net Change in Cash
(1)
N/A
(3)
-480%
13
N/A
28
+108%
(5)
N/A
29
N/A
33
+15%
(16)
N/A
3
N/A
(27)
N/A
(38)
-39%
4
N/A
(21)
N/A
10
N/A
15
+49%
15
+3%
36
+140%
21
-42%
21
+1%
10
-52%
(4)
N/A
24
N/A
(4)
N/A
(3)
+26%
24
N/A
(20)
N/A
6
N/A
(5)
N/A
(53)
-973%
42
N/A
44
+4%
102
+130%
77
-24%
58
-25%
(25)
N/A
96
N/A
(18)
N/A
85
N/A
(64)
N/A
(149)
-131%
(39)
+74%
(22)
+43%
36
N/A
(52)
N/A
34
N/A
(1)
N/A
5
N/A
68
+1 407%
(5)
N/A
(114)
-2 265%
40
N/A
(34)
N/A
(12)
+64%
(43)
-250%
(49)
-14%
11
N/A
(6)
N/A
13
N/A
37
+192%
3
-91%
9
+170%
(14)
N/A
(8)
+43%
(7)
+16%
11
N/A
18
+70%
(11)
N/A
(7)
+37%
21
N/A
17
-18%
37
+112%
100
+170%
36
-64%
106
+196%
510
+379%
343
-33%
456
+33%
872
+91%
368
-58%
729
+98%
596
-18%
(61)
N/A
(543)
-794%
(1 025)
-89%
(1 072)
-5%
(864)
+19%
(322)
+63%
352
N/A
8
-98%
89
+1 040%
6
-94%
(190)
N/A
79
N/A
(65)
N/A
334
N/A
158
-53%

See Also

Summary
NBTB intrinsic value, competitors valuation, and company profile.
DCF Valuation
NBTB stock valuation using Discount Cash Flow valuation method.
Relative Valuation
NBTB stock valuation using valuation multiples.
Wall Street Estimates
NBTB price targets and financial estimates made by Wall st analysts.
Profitability Analysis
Detailed analysis of the company's profitability.
Solvency Analysis
Analysis of the financial position and solvency of the company.
Financials
Income Statement, Balance Sheet, Cash Flow Statement.
Discount Rate
NBTB stock discount rate: cost of equity and WACC.
Summary
DCF Valuation
Relative Valuation
Wall Street Estimates
Profitability Analysis
Solvency Analysis
Financials
Discount Rate
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