NBT Bancorp Cash Flow - Annual (NASDAQ:NBTB)

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$38.52 $0.29 (0.75%) NBTB stock closing price Dec 02, 2016 (Closing)

The NBT Bancorp cash flow statement is one of the important reports considered by investors doing a fundamental analysis of the company. While its important to look at the NBT Bancorp debt position, the cash flow statement becomes equally important because public companies use accrual accounting. For example, if a company sells a product which gets counted as NBT Bancorp revenue but does not convert to cash because it does not receive payment in the same quarter, it affects the cash position for that period. This statement can tell if a company is running out of money while still being profitable and is useful in NBT Bancorp stock analysis. NBT Bancorp had a positive net income cash flow of $76.42M for the latest year. This report is very useful in measuring the short term viability of a company. NBT Bancorp has a negative cash and cash equivalents change of $-6.33M. View details of NBT Bancorp cash flows for latest & last ten financial years.

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Annual
Quarterly
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Fiscal year is Jan - Dec. 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
NBT Bancorp Net Income Cash Flow
76.42M75.07M61.74M54.55M57.9M57.4M52.01M58.35M50.32M55.94M
Depreciation Depletion Amortization Cash-Flow16.06M16.58M17.87M12.07M10.1M9.86M9.17M7.74M7.04M7.9M
Net Increase (Decrease) in Assets Liabilities22.62M-27.85M16.92M2.25M7.02M10.63M-37.94M-10.76M-1.54M-21.12M
Cash From (used in) Discontinued Operations----------
Other Adjustments Net9.43M24M22.74M19.95M8.73M11.52M31.43M31.99M30.01M22.79M
NBT Bancorp Net Cash from (used by) Operating Activities
124.54M87.81M119.29M88.85M83.76M89.43M54.68M87.32M85.84M65.51M
Increase (Decrease) in Prop Plant And Equipment-8.19M-9M-5.76M-6.99M-9.95M-6.51M-6.37M-6.03M-2.35M-4.17M
Acquisition Disposition of Subsidiaires-3.1M-80.88M52.87M81.46M---26.23M--23.53M
Increase (Decrease) in Investments-182.79M67.82M-8.77M101.18M-77.38M51.75M-6.86M35.24M234.19M-249.85M
Other Cash Inflow (Outflow) from Investment Activities-309.91M-202.56M-250.09M-273.91M-169.63M13.24M-15.2M-219.55M-329.48M1.02M
NBT Bancorp Net Cash from (used by) Invesment Activities
-504M-143.74M-183.75M-126.85M-175.49M58.49M-28.44M-216.57M-97.64M-276.53M
Issuance (Purchase) of Equity Shares-19.14M6.18M-6.94M-14.1M-29.11M1.19M36.12M4.61M-44.6M-6.98M
Issuance (Repayment) of Debt Securities-0.49M-195.78M-163.59M-3.35M-1.99M-184.82M-77.51M207.32M7.15M32.39M
Increase (Decrease) in Bank & Other Borrowings125.67M-139.24M271.49M-18.65M22.15M3.45M-50.51M-161.97M23.05M-99.56M
Payment of Dividends & Other Cash Distributions-38.14M-36.9M-33.51M-26.71M-27.06M-27.57M-27.11M-25.83M-26.22M-26.01M
Other Cash from (used by) Financing Activities
NBT Bancorp Net Cash from (used by) Financing Activities
373.12M43.64M59.71M72.28M52.32M-166.3M50.52M76.7M35.95M207.32M
Effect of Exchange Rate Changes on Cash----------
NBT Bancorp Net Change in Cash & Cash Equivalents
-6.33M-12.29M-4.74M34.28M-39.41M-18.36M76.76M-52.55M24.15M-3.69M
Cash & Equivalents at Beginning of Year146.63M158.92M163.66M129.38M168.79M187.16M110.39M162.94M138.79M142.48M
Cash & Equivalents at Year End140.29M146.63M158.92M163.66M129.38M168.79M187.16M110.39M162.94M138.79M
All figures in USD. M: Millions of USD, B: Billions of USD.
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The statement of cash flows comprises of cash flow from financing, cash flow from operations and cash flow from investing activities. All the three can have an impact on the stock price. The NBT Bancorp stock price history and NBT Bancorp stock comparison chart inevitably reflect its cash flow situation.
  • NBT Bancorp has cash of $140.29M on hand. A healthy amount of cash on hand is necessary for any company. Cash has an opportunity cost associated with it, and too much cash in bank may mean that the firm has no or limited growth plans. Hence its important to track the Net Change in Cash and Cash Equivalents along with the NBT Bancorp stock price.
  • Cash Flow from operating activities: This is the cash that the company receives from ongoing operations. NBT Bancorp gained $36.73M cash from operations. It is important to check this to see where the company is getting its money from.
  • Growth companies (typically most tech companies) spend heavily  on investing activities and this figure was negative at $-504M for NBTB stock. Sometimes a company might have a negative overall cash flow which may not be really bad if it is due to investment expenses. Hence it is important to check the cash flow from investment activities.
  • Cash Flow from financing activities: Financing activities include the cash that comes into a company in the form of loans or interest earned or shareholders money, as well as the cash that goes out. NBT Bancorp earned $329.48M from financing activities,in the form of repayment of loans or interest paid, dividend pay-out to shareholders etc.
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Key Financial Ratios For NBT Bancorp Cash Flow

FCF margin
0.27