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NBT Bancorp cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$74.4M in Q3 2026 · $246M over twelve months

Operating cash flow$76.3M
Capital spending−$1.9M
Free cash flow+$74.4M
Cash / net income1.3×

Analysis

In Q3 2026, NBT Bancorp generated $76.3M of operating cash flow and spent $1.9M on capital projects, leaving free cash flow of $74.4M. That is $63K more than in Q3 2025 ($74.3M).

Over the twelve months to Sep 30, 2026, operating cash flow was $257M; the largest uses were other investing ($632M), other financing ($101M), dividends ($78.6M); besides operations, cash came from net borrowing (+) / repaid (−) ($276M); the cash balance fell by $318M.

Operating cash flow was $76.3M against net income of $58.0M — 1.3× profit, cash ran ahead of reported earnings. The largest differences: other operating capital +$8.4M, stock-based pay +$562K.

Free cash flow

NBT Bancorp: free cash flow by quarterNBT Bancorp: free cash flow by quarter$45.5MQ4 2024$38.3MQ1 2025$44.1MQ2 2025$74.3MQ3 2025$62.1MQ4 2025$48.6MQ1 2026$60.5MQ2 2026$74.4MQ3 2026
Operating cash flow less capital spending.
NBT Bancorp: operating cash flow against capital spendingNBT Bancorp: operating cash flow against capital spendingOperating cash flowCapital spending$49.2M$3.6MQ4 2024$42.0M$3.7MQ1 2025$46.5M$2.3MQ2 2025$80.6M$6.2MQ3 2025$66.1M$4.0MQ4 2025$53.0M$4.4MQ1 2026$61.9M$1.4MQ2 2026$76.3M$1.9MQ3 2026
Latest (Q3 2026): Operating cash flow $76.3M, Capital spending $1.9M.

Capital allocation, year by year

NBT Bancorp: where the cash came from (up) and went (down), by fiscal yearNBT Bancorp: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedCapital spendingAcquisitionsBuybacksDividendsFY2021: Operating cash flow $159MFY2021: Net borrowing −$70.6MFY2021: Shares issued $112KFY2021: Capital spending −$7.7MFY2021: Acquisitions −$1.6MFY2021: Buybacks −$21.7MFY2021: Dividends −$47.7M$159MFY2021FY2022: Operating cash flow $183MFY2022: Net borrowing $487MFY2022: Capital spending −$7.0MFY2022: Acquisitions −$2.6MFY2022: Buybacks −$14.7MFY2022: Dividends −$49.8M$670MFY2022FY2023: Operating cash flow $157MFY2023: Net borrowing −$232MFY2023: Shares issued $91KFY2023: Capital spending −$9.3MFY2023: Acquisitions $44.6MFY2023: Buybacks −$4.9MFY2023: Dividends −$55.9M$202MFY2023FY2024: Operating cash flow $189MFY2024: Net borrowing −$224MFY2024: Shares issued $61KFY2024: Capital spending −$11.7MFY2024: Acquisitions −$1.4MFY2024: Buybacks −$251KFY2024: Dividends −$62.3M$189MFY2024FY2025: Operating cash flow $235MFY2025: Net borrowing −$57.9MFY2025: Shares issued $117KFY2025: Capital spending −$16.3MFY2025: Acquisitions $37.9MFY2025: Buybacks −$10.2MFY2025: Dividends −$72.6M$273MFY2025
Over these 5 years operating cash flow totalled $924M; the largest uses were net borrowing ($584M) and dividends ($288M). Cash-flow statements as filed.

Where the cash came from and went

NBT Bancorp: sources (+) and uses (−) of cash, Q3 2026NBT Bancorp: sources (+) and uses (−) of cash, Q3 2026Other investing−$172MNet borrowing (+) / repaid (−)$98.0MOperating cash flow$76.3MOther financing$49.1MCash drawn (+) / kept (−)−$27.5MDividends−$20.8MCapital spending−$1.9MBuybacks−$1.0MAcquisitions−$247KTaxes on employees’ shares−$168K
NBT Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026NBT Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$632MCash drawn (+) / kept (−)$318MNet borrowing (+) / repaid (−)$276MOperating cash flow$257MOther financing−$101MDividends−$78.6MBuybacks−$25.2MCapital spending−$11.7MTaxes on employees’ shares−$2.0MAcquisitions−$735K

From profit to cash

NBT Bancorp: net income to operating cash flow, Q3 2026NBT Bancorp: net income to operating cash flow, Q3 2026Net income$58.0MStock-based pay$562KOther operating capital$8.4MOperating cash flow$76.3M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingAcquisitionsBuybacksDividendsNet borrowing (+) / repaid (−)Cash drawn (+) / kept (−)Free cash flow
Q3 2026$76.3M−$1.9M−$247K−$1.0M−$20.8M$98.0M−$27.5M$74.4M
Q2 2026$61.9M−$1.4M—−$3.0M−$19.2M$199M$421M$60.5M
Q1 2026$53.0M−$4.4M−$488K−$11.0M−$19.2M−$30.3M−$229M$48.6M
Q4 2025$66.1M−$4.0M—−$10.2M−$19.3M$9.3M$153M$62.1M
Q3 2025$80.6M−$6.2M−$653K—−$19.4M$25.8M−$98.7M$74.3M
Q2 2025$46.5M−$2.3M$40.1M—−$17.8M−$15.6M−$287M$44.1M
Q1 2025$42.0M−$3.7M−$1.6M—−$16.1M−$77.3M$30.0M$38.3M
Q4 2024$49.2M−$3.6M−$400K—−$16.0M−$42.0M$198M$45.5M

NBT Bancorp: income statement and cash flow

NBT Bancorp, Q3 2026: revenue $195M (+5% year over year), operating margin 39.0%. The chart follows the revenue to costs, profit and cash.

NBT Bancorp: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.