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
$137.1M / $218.9M
FY2021-FY2025
Trend
+23.8%
vs FY2024
Sector context
#146 of 302
Financials
What the data says
At $219M, NBT Bancorp, Inc.'s free cash flow ranks #146 of 302 in the Financials sector. Free Cash Flow has increased for 3 consecutive years, from $137M in FY2022 to $219M in FY2025.
Based on SEC 10-K filings.
$219M in FY2025 with a 5-year CAGR of +9.3%.
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
- +16.9%
- 5-Year CAGR
- +9.3%
- 10-Year CAGR
- -
Sector benchmark
#146 of 302 in FinancialsTop 48% of 302This company $218.9M Sector average $646.4M
▼
-66.1% below sector average
Key checks
Key Insights
- NBT Bancorp, Inc.'s free cash flow has grown for 3 consecutive years.
- 5-year CAGR of +9.3%, indicating consistent growth.
- In FY2025, free cash flow increased 23.8% year-over-year.
- Ranks #146 out of 302 companies in the Financials sector.
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 | +8.1% |
| FY2022 | $137.1M | -6.6% |
| FY2021 | $146.8M | +4.6% |
| FY2020 | $140.4M | +7.8% |
| FY2019 | $130.2M | -7.2% |
| FY2018 | $140.4M | +7.8% |
| FY2017 | $130.2M | +21.4% |
| FY2016 | $107.3M | -7.8% |
As of FY2025 · SEC 10-K · Updated Jun 30, 2026