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NBT Bancorp NBTB Free cash flow

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Other financials

Income statement

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Revenue$184.5M+19.3%
Net income$51.1M+39.2%
EPS (diluted)$0.98+27.3%

Balance sheet

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Cash & equivalents$716.1M+182%
Total debt$117.8M+37.6%
Total equity$1.9B+22.3%
Total assets$16.2B+16.9%

Cash flow

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Operating cash flow$53.0M+26.3%
CapEx$4.4M+19.5%

Valuation

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Market cap$2.5B+9.7%
Enterprise value$1.9B-12.6%
P/E13.6×-2.3×
P/S3.4×-0.4×

Profitability

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Net margin25.3%+1.0pp
FCF margin31.5%+0.9pp

Returns & leverage

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Return on equity10.6%+1.0pp
Debt / equity0.1×0.0×

Where this comes from

Calculated from NBT Bancorp’s reported figures.

The official record: NBT Bancorp’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is NBT Bancorp's free cash flow?
NBT Bancorp (NBTB) reported free cash flow of $48.62M in Q1 2026.
How has NBT Bancorp's free cash flow changed year-over-year?
NBT Bancorp's free cash flow increased by 26.9% year-over-year, from $38.3M to $48.62M.
What is the long-term trend for NBT Bancorp's free cash flow?
Over 4 years (2021 to 2025), NBT Bancorp's free cash flow has grown at a 9.6% compound annual growth rate (CAGR), from $151.45M to $218.92M.
What does free cash flow mean?
Free cash flow represents the cash generated by a company after accounting for cash outflows to support operations and maintain or expand its capital asset base. It serves as a critical indicator of a company's ability to fund organic growth, pay down debt, or return capital to shareholders without relying on external financing.