NBT Bancorp, Inc.
S&P 600
Cash Flow
Cash Flow Breakdown
Figures in US$OperatingInvestingFinancing
How to read this: the three bars show where cash moved each year. Operating is cash from the core business (you generally want this positive and growing). Investing is usually negative — money spent on assets or acquisitions. Financing shows money raised from, or returned to, lenders and shareholders. Bars above the line are cash in; bars below are cash out.
Operating Cash Flow vs Capex
Figures in US$Operating Cash FlowCapital Expenditure
How to read this: operating cash flow is the cash the business generated; capital expenditure is what it spent on long-term assets like plant and equipment. The gap between them is roughly free cash flow — the cash left over. A wide gap (operating well above capex) means the business funds its investment comfortably from its own earnings.
| Period | Operating Cash Flow | Investing Cash Flow | Financing Cash Flow | Capital Expenditure |
|---|---|---|---|---|
| FY2014 | $87.81M | $-143.74M | $43.64M | $9.00M |
| FY2015 | $124.50M | $-504.00M | $373.17M | $8.19M |
| FY2016 | $110.57M | $-629.96M | $528.28M | $3.31M |
| FY2017 | $136.90M | $-305.19M | $178.77M | $6.69M |
| FY2018 | $147.77M | $-417.62M | $291.14M | $7.40M |
| FY2019 | $153.46M | $-64.34M | $-53.23M | $6.65M |
| FY2020 | $145.27M | $-712.59M | $1.02B | $8.16M |
| FY2021 | $159.19M | $-547.61M | $984.81M | $7.74M |
| FY2022 | $183.22M | $-926.22M | $-328.73M | $7.01M |
| FY2023 | $157.46M | $-44.23M | $-105.39M | $9.25M |
| FY2024 | $188.57M | $-399.16M | $289.46M | $11.74M |
| FY2025 | $235.22M | $169.07M | $-201.23M | $16.30M |
Figures in USD. Educational data only.
Understanding these terms
Plain-English explanations of each figure in the table above, and what a beginner typically looks at. These are educational descriptions only, not advice.
- Operating Cash Flow
- Cash produced by the company's core operations during the period. The US equivalent of "Cash from Operating Activity".How a beginner reads it: A beginner uses this as a reality check on profit, since it reflects cash actually collected. Healthy, consistent operating cash flow underpins a company's ability to invest and repay debt.
- Investing Cash Flow
- Cash used for or generated by buying and selling long-term assets and investments. The US equivalent of "Cash from Investing Activity".How a beginner reads it: A beginner expects this to be negative for companies investing in growth. Reading it next to operating cash flow shows whether the business funds its investments from its own earnings.
- Financing Cash Flow
- Cash flows with lenders and shareholders — borrowing, repaying, issuing shares, buybacks, and dividends. The US equivalent of "Cash from Financing Activity".How a beginner reads it: A beginner reads this to understand whether the company is taking in money (borrowing/issuing) or paying it out (repaying/dividends), and how that fits the operating picture.
- Capital Expenditure
- Money spent on buying or upgrading long-lived assets like plant, equipment, and buildings. Often shortened to "capex".How a beginner reads it: A beginner reads capex against operating cash flow to see whether a company funds its investment from its own earnings. Operating cash flow minus capex is roughly free cash flow.