Company / Free Cash Flow
NBT Bancorp, Inc. Free Cash Flow History
FY2016-FY2025 · Annual data · Source: SEC filings
At a glance
Latest annual filing availableLatest Free Cash Flow
$218.9M
FY2025
5-year range
$148.2M / $218.9M
FY2021-FY2025
Trend
+23.8%
vs FY2024
Sector context
#144 of 296
Financials
What the data says
At $219M, NBT Bancorp, Inc.'s free cash flow ranks #144 of 296 in the Financials sector. Free Cash Flow has fluctuated over the past 10 years, ranging from $107M in FY2016 to $219M in FY2025.
Based on SEC 10-K filings.
$219M in FY2025 with a 5-year CAGR of +9.8%.
Improved from $148M to $219M over the past 2 years.
Financials sector context is included.
Free Cash Flow over time
Growth rates
- 3-Year CAGR
- +7.5%
- 5-Year CAGR
- +9.8%
- 10-Year CAGR
- -
Sector benchmark
#144 of 296 in FinancialsTop 49% of 296This company $218.9M Sector average $616.2M
▼
-64.5% below sector average
Key checks
Key Insights
- 5-year CAGR of +9.8%, indicating consistent growth.
- In FY2025, free cash flow increased 23.8% year-over-year.
- Ranks #144 out of 296 companies in the Financials sector.
- Lowest free cash flow in the period was in FY2016.
Company context
Key Data Points
- Altman Z-Score 0.13 (distress zone, below 1.8 threshold)
Data sourced from SEC EDGAR filings. Not investment advice.
Annual data
| Year | Free Cash FlowValue | YoY GrowthYoY |
|---|---|---|
| FY2025 | $218.9M | +23.8% |
| FY2024 | $176.8M | +19.3% |
| FY2023 | $148.2M | -15.9% |
| FY2022 | $176.2M | +16.4% |
| FY2021 | $151.4M | +10.5% |
| FY2020 | $137.1M | -6.6% |
| FY2019 | $146.8M | +4.6% |
| FY2018 | $140.4M | +7.8% |
| FY2017 | $130.2M | +21.4% |
| FY2016 | $107.3M | -7.8% |
As of FY2025 · SEC 10-K · Updated Feb 28, 2026