The Bank of N.T. Butterfield & Son Limited (NTB)

61.53USD +0.92% (+0.56)

Over 1M: -0.5%

Style

Area Line Line with markers Steps Candles Hollow candles Bars

Candles and bars need the day’s open, high and low, and need room to be drawn in: past about a year of trading a body is thinner than a hairline, so those three offer the longest window that fits instead.

58 60 62 64

7 Aug 12 Aug 17 Aug 20 Aug 25 Aug 28 Aug 2 Sep

Financials Annual

Figures

Revenue Gross Profit Operating Income Cost of Revenue Operating Cash Flow Free Cash Flow Net Income

A share count and earnings a share are not here: neither is money, so neither can share this axis. Both have their own panel on All charts.

All charts ›

0 150M 300M 450M 600M 750M

FY21 FY22 FY23 FY24 FY25

Revenue Free Cash Flow Net Income

Multiples & size

2025-12-31 · USD

Market cap 2.46Bp

P/E TTM 10.6×p

P/B 2.2×p

P/S TTM 4.1×p

EPS TTM 5.81

FCF yield 11.4%p

Dividend yield 3.2%p

Revenue growth +4.6%

Revenue CAGR +5.0%

EPS CAGR +13.8%

Net margin 38.2%

FCF margin 46.1%

Payout 33.5%

52-week range

252 trading days

39.51 61.53 (90%) 63.91

How it scores

For a valuation multiple, the low end is the good end.

Quality

How much of the revenue is really kept — and what did it take to earn it?

9.4

OE margin 42.4%

SBC / sales 3.7%

Accruals -0.34%

FCF margin 46.1%

OCF margin 46.1%

Profit margin 38.2%

ROE 20.3%

ROA 1.6%

Asset turnover 0.043×

Adj. EBITDA margin —

Capex / sales —

EBITDA margin —

Gross margin —

OCF / EBIT —

Oper. margin —

ROCE —

ROIC —

2 of 17 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Valuation

What does the price ask for what the company earns, owns and pays out?

0.5

EV/OE -0.029×

EV/Sales -0.012×

P/C 1×

P/E 10.6×

Shareholder yield 9.1%

Div. yield 3.2%

FCF yield 11.4%

P/B 2.2×

EV/EBIT —

EV/GP —

Fwd P/E —

PEG —

1 of 12 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Durability

How predictable is the revenue, and how much of it is already committed?

6.3

Revenue growth in the worst year on record 0.23%

Cash-flow margin stability 5.0 pp

Segment HHI 0.32 HHI

Gross margin stability across years —

Prepaid revenue growth —

RPO / sales —

RPO growth —

2 of 7 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Resilience

Can the balance sheet absorb a bad year?

9.0

ND/EBITDA -330.4

Debt / Eq 0.0×

Debt payback 0.0 yr

F-score 9.0 pts

Net debt / Eq 0.0×

Payout 33.5%

Equity / Assets 8.1%

Cash / Debt —

Cash runway —

Current ratio —

Interest cover —

Quick ratio —

1 of 12 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Growth

Is the business getting bigger, and is it getting more profitable?

1.7

Sales CAGR 4Y +5.0%

Sales/sh Y/Y +4.6%

EPS CAGR 4Y +13.8%

EPS Y/Y +7.2%

Div. growth -2.3%

EBIT CAGR —

EBIT Y/Y —

EPS next Y —

Gross profit Y/Y —

Most recent margin move —

Operating margin trend —

Sales Q/Q —

Shares change —

2 of 13 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

A measure absent from a block could not be computed from this company's filings. It is left out rather than scored as though it were bad, and the dimension is averaged over what remains. A score is measured against a fixed scale this model states; the bar is measured against the other companies, so the two can disagree — and where they do, that disagreement is the more interesting figure.