Company / Operating Cash Flow
NBT Bancorp, Inc. Operating Cash Flow History
FY2016-FY2025 · Annual data · Source: SEC filings
At a glance
Latest annual filing availableLatest Operating Cash Flow
$235.2M
FY2025
5-year range
$157.5M / $235.2M
FY2021-FY2025
Trend
+24.7%
vs FY2024
Sector context
#222 of 405
Financials
What the data says
At $235M, NBT Bancorp, Inc.'s operating cash flow ranks #222 of 405 in the Financials sector. Operating Cash Flow has fluctuated over the past 10 years, ranging from $111M in FY2016 to $235M in FY2025.
Based on SEC 10-K filings.
$235M in FY2025 with a 5-year CAGR of +10.1%.
Improved from $157M to $235M over the past 2 years.
Financials sector context is included.
Operating Cash Flow over time
Growth rates
- 3-Year CAGR
- +8.7%
- 5-Year CAGR
- +10.1%
- 10-Year CAGR
- -
Sector benchmark
#222 of 405 in FinancialsTop 55% of 405This company $235.2M Sector average $611.8M
▼
-61.6% below sector average
Key checks
Key Insights
- 5-year CAGR of +10.1%, indicating consistent growth.
- In FY2025, operating cash flow increased 24.7% year-over-year.
- Ranks #222 out of 405 companies in the Financials sector.
- Lowest operating 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 | Operating Cash FlowValue | YoY GrowthYoY |
|---|---|---|
| FY2025 | $235.2M | +24.7% |
| FY2024 | $188.6M | +19.8% |
| FY2023 | $157.5M | -14.1% |
| FY2022 | $183.2M | +15.1% |
| FY2021 | $159.2M | +9.6% |
| FY2020 | $145.3M | -5.3% |
| FY2019 | $153.5M | +3.9% |
| FY2018 | $147.8M | +7.9% |
| FY2017 | $136.9M | +23.8% |
| FY2016 | $110.6M | -11.2% |
As of FY2025 · SEC 10-K · Updated Feb 28, 2026