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

NYQ – Real Time Price. Currency in USD

60.34

+0.80 (1.34%)

At close: Jun 26, 2026, 4:00 PM EDT

60.15

-0.19 (-0.31%)

After-hours: Jun 26, 2026, 7:00 PM EDT

Stock details

Previous close: 60.34$
Day's range: 59.24 - 60.35$
52-week range: 40.59 - 60.35$
Volume: 855 576
Average volume: 289 274
Beta: 0.32
EPS (TTM): 5.93
PE ratio (TTM): 10.45
Forward P/E: 9.8
Market cap: 2 410 478 321
Shares outstanding: 39 948 265
Dividend yield: $3.31 (3.31%)
Next earnings date: 2026-07-27
Sector: Financials
Industry: Banks - Diversified

About the company

The Bank of N.T. Butterfield & Son Limited provides a range of community, commercial, and private banking services to individuals and small to medium-sized businesses. The company offers retail and corporate checking, savings, and term deposits. It also provides lending products and services, including residential mortgage lending, automobile lending, credit cards, consumer financing, overdraft facilities to retail customers,... read more

CEO: Michael Collins
Country: Bermuda
IPO Date: 2016-09-16
Employees: 1299
Fiscal Year End: January - December
Website: https://www.butterfieldgrou...

Revenue Breakdown

Banking Services and Wealth Management / 100.00%

News

No Data

There are no news for this stock.

Chart: NTB

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Overall Score

4.5 / 1045%

Financial Strength

6.6

Profitability

6.4

Effectiveness

5.8

Growth

4.8

Forecast

5.9

Valuation

4.3

Dividend

Economic Moat

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $170.9M

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (0.2) is well below the industry average (0.1), showcasing prudent financial management

The company has no interest-bearing debt, showcasing excellent financial strength

The company generates positive free cash flow $50.3M, supporting its financial health

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	0.37	0.80	4.0
Quick ratio	N/A	0.70	1.0
Debt to Equity	0.15	0.12	9.0
Debt to Assets	0.01	0.21	9.0
Interest coverage	N/A	0.04	10
Weighted average score			6.6

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	606M	762M	816M	800M	797M
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	218M	226M	221M	238M	247M
Net Income	214M	225M	216M	232M	241M
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	98.11	1.0
Operating margin %	41.03	0.40	10
Net margin %	40.16	31.67	10
EBITDA margin %	N/A	-0.68	1.0
Cash flow margin %	30.16	0.13	10
Weighted average score			6.4

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	1.62	0.86	3.0
ROE	21.40	11.43	10
ROIC	19.85	10.56	9.0
ROCE	N/A	0.01	1.0
Weighted average score			5.8

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	7.27	20.53	7.5
Next quarter	3.88	6.16	4.5
Current year	4.42	12.55	6.0
Next year	87.35	-16.03	5.5
Weighted average score			5.9

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	-3.79	-1.82	-0.64	-14.47	1.0
Y/Y	-1.57	16.48	24.39	-9.2	5.3
3y average	10.26	2.84	8.58	11.92	6.0
5y average	8.86	10.12	13.95	11.6	7.0
Weighted average score					4.8

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	10.46	13.27	7.6
PEG (5yr expected)	N/A	2.15	1.0
P/S	4.10	3.79	4.4
P/B	2.10	1.44	4.2
Weighted average score			4.3

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR4.88%

FCF 5 year CAGR4

Fair value88.02$

Stock price60.34$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	0.00	N/A	1.0
Payout ratio	0.00	N/A	1.0
5-year dividend growth rate	N/A	N/A	1.0
Years of dividend increase	N/A	N/A	1.0
Weighted average score			1.0

Fair Value

$88.02

UndervaluedStock priceOvervalued

$60.34

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

Michael Collins

Country

Bermuda

IPO Date

2016-09-16

Employees

1299

Fiscal Year End

January - December

Website

https://www.butterfieldgrou...

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

0.37

0.80

4.0

Quick ratio

N/A

0.70

1.0

Debt to Equity

0.15

0.12

9.0

Debt to Assets

0.01

0.21

9.0

Interest coverage

N/A

0.04

Weighted average score

6.6

METRIC

2022

2023

2024

2025

TTM

Total Revenue

606M

762M

816M

800M

797M

Gross Profit

N/A

Operating Income

218M

226M

221M

238M

247M

Net Income

214M

225M

216M

232M

241M

EBITDA

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

98.11

1.0

Operating margin %

41.03

0.40

Net margin %

40.16

31.67

EBITDA margin %

N/A

-0.68

1.0

Cash flow margin %

30.16

0.13

Weighted average score

6.4

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

1.62

0.86

3.0

ROE

21.40

11.43

ROIC

19.85

10.56

9.0

ROCE

N/A

0.01

1.0

Weighted average score

5.8

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

7.27

20.53

7.5

Next quarter

3.88

6.16

4.5

Current year

4.42

12.55

6.0

Next year

87.35

-16.03

5.5

Weighted average score

5.9

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

-3.79

-1.82

-0.64

-14.47

1.0

Y/Y

-1.57

16.48

24.39

-9.2

5.3

3y average

10.26

2.84

8.58

11.92

6.0

5y average

8.86

10.12

13.95

11.6

7.0

Weighted average score

4.8

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

10.46

13.27

7.6

PEG (5yr expected)

N/A

2.15

1.0

P/S

4.10

3.79

4.4

P/B

2.10

1.44

4.2

Weighted average score

4.3

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

0.00

N/A

1.0

Payout ratio

0.00

N/A

1.0

5-year dividend growth rate

N/A

1.0

Years of dividend increase

N/A

1.0

Weighted average score

1.0

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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

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

Stock details

About the company

Revenue Breakdown

News

Chart: NTB

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$88.02

$60.34

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: NTB

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$88.02

$60.34

Economic Moat