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

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Price alert · NTB

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56.15 USD -1.15 -2.01%

At close · Oct 30

56.15 0.00 0.00%

After hours · Oct 30, 4:00 PM ET

Bid
56.16 × 500
Ask
56.22 × 300
55.92 Day range 57.26
44.36 52-week range 64.17
YTD
+12.71%
1 year
+23.81%
Open
57.62
Prev close
57.30
Mkt cap
2.22B
Vol
175.71K
Avg vol
165.58K
EPS
5.74
P/E
9.78
Div yield
3.49%
More statistics
Low
55.92
High
57.26
Forward P/E
7.72
Beta
0.54
Short ratio
5.31
Inst. own
74.49%
Dividend
2.00
Ex-div date
Nov 9, 2026
Earnings
Feb 8, 2027
50-d avg
59.00
200-d avg
56.68
1y target
66.00

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Financial health

Altman Z-Score

0.37 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A4 / 5 overall

  • DCF 4
  • Return on Equity 5
  • Return on Assets 4
  • Debt / Equity 4
  • P/E 3
  • P/B 2

Valuation

P/E 8.9×
FY 2016: 26.2×FY 2017: 13.0×FY 2018: 8.8×FY 2019: 11.1×FY 2020: 10.7×FY 2021: 11.6×FY 2022: 6.9×FY 2023: 6.9×FY 2024: 7.6×FY 2025: 8.9×
FY 2016 5y median 7.6× FY 2025
P/S 2.6×
FY 2016: 3.8×FY 2017: 4.4×FY 2018: 3.4×FY 2019: 3.7×FY 2020: 3.1×FY 2021: 3.6×FY 2022: 2.4×FY 2023: 2.1×FY 2024: 2.0×FY 2025: 2.6×
FY 2016 5y median 2.4× FY 2025
P/B 1.8×
FY 2016: 2.1×FY 2017: 2.4×FY 2018: 2.0×FY 2019: 2.0×FY 2020: 1.6×FY 2021: 1.9×FY 2022: 1.7×FY 2023: 1.6×FY 2024: 1.6×FY 2025: 1.8×
FY 2016 5y median 1.7× FY 2025
P/FCF 8.1×
FY 2016: 9.1×FY 2017: 11.2×FY 2018: 6.2×FY 2019: 8.7×FY 2020: 9.4×FY 2021: 8.0×FY 2022: 7.7×FY 2023: 6.4×FY 2024: 6.8×FY 2025: 8.1×
FY 2016 5y median 7.7× FY 2025
EV/EBITDA 1.8×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: -0.8×FY 2019: 0.0×FY 2020: 0.0×FY 2021: -0.5×FY 2022: -1.7×FY 2023: 0.1×FY 2024: -0.6×FY 2025: 1.8×
FY 2016 5y median -0.5× FY 2025
EV/Sales 0.6×
FY 2016: -1.1×FY 2017: 1.3×FY 2018: -0.4×FY 2019: -0.8×FY 2020: -3.1×FY 2021: -0.2×FY 2022: -0.7×FY 2023: 0.0×FY 2024: -0.2×FY 2025: 0.6×
FY 2016 5y median -0.2× FY 2025
FCF Yield 12.3%
FY 2016: 11.0%FY 2017: 8.9%FY 2018: 16.0%FY 2019: 11.5%FY 2020: 10.6%FY 2021: 12.5%FY 2022: 13.0%FY 2023: 15.7%FY 2024: 14.8%FY 2025: 12.3%
FY 2016 5y median 13.0% FY 2025

Profitability

Gross Margin 75.9%
FY 2016: 99.9%FY 2017: 100.0%FY 2018: 100.0%FY 2019: 100.0%FY 2020: 100.0%FY 2021: 95.8%FY 2022: 90.6%FY 2023: 76.0%FY 2024: 71.1%FY 2025: 75.9%
FY 2016 5y median 76.0% FY 2025
Operating Margin 29.8%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 43.3%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 31.8%FY 2022: 35.9%FY 2023: 29.7%FY 2024: 27.0%FY 2025: 29.8%
FY 2016 5y median 29.8% FY 2025
Net Margin 29.0%
FY 2016: 28.5%FY 2017: 34.2%FY 2018: 38.2%FY 2019: 33.3%FY 2020: 29.3%FY 2021: 31.2%FY 2022: 35.3%FY 2023: 29.6%FY 2024: 26.5%FY 2025: 29.0%
FY 2016 5y median 29.6% FY 2025
ROE 20.3%
FY 2016: 16.3%FY 2017: 18.6%FY 2018: 22.1%FY 2019: 18.4%FY 2020: 15.0%FY 2021: 16.6%FY 2022: 24.7%FY 2023: 22.5%FY 2024: 21.2%FY 2025: 20.3%
FY 2016 5y median 21.2% FY 2025
ROIC 1.6%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 2.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 12.7%FY 2022: 19.0%FY 2023: 16.3%FY 2024: 14.6%FY 2025: 1.6%
FY 2016 5y median 14.6% FY 2025
ROA 1.6%
FY 2016: 1.0%FY 2017: 1.4%FY 2018: 1.8%FY 2019: 1.3%FY 2020: 1.0%FY 2021: 1.1%FY 2022: 1.5%FY 2023: 1.7%FY 2024: 1.5%FY 2025: 1.6%
FY 2016 5y median 1.5% FY 2025

Growth (YoY)

Revenue -2.0%
FY 2016: 8.8%FY 2017: 10.3%FY 2018: 13.8%FY 2019: 4.2%FY 2020: -5.6%FY 2021: 3.9%FY 2022: 16.3%FY 2023: 25.6%FY 2024: 7.2%FY 2025: -2.0%
FY 2016 FY 2025
Operating Income 7.8%
FY 2016: -99.9%FY 2017: 32.3%FY 2018: 144105.5%FY 2019: -100.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 31.3%FY 2023: 3.9%FY 2024: -2.4%FY 2025: 7.8%
FY 2016 FY 2025
EPS (diluted) 16.1%
FY 2016: -8.5%FY 2017: 133.9%FY 2018: 26.8%FY 2019: -5.7%FY 2020: -12.1%FY 2021: 12.4%FY 2022: 31.6%FY 2023: 6.8%FY 2024: 2.8%FY 2025: 16.1%
FY 2016 FY 2025
Free Cash Flow 4.5%
FY 2016: 9.3%FY 2017: 6.1%FY 2018: 54.8%FY 2019: -18.0%FY 2020: -26.1%FY 2021: 40.6%FY 2022: -18.3%FY 2023: 27.9%FY 2024: -0.9%FY 2025: 4.5%
FY 2016 FY 2025

Financial Health

Current Ratio 517×
FY 2016: 0.6×FY 2017: 0.6×FY 2018: 1226×FY 2019: 453×FY 2020: 12.8×FY 2021: 0.5×FY 2022: 0.4×FY 2023: 0.4×FY 2024: 0.4×FY 2025: 517×
FY 2016 5y median 0.4× FY 2025
Quick Ratio 517×
FY 2016: 0.6×FY 2017: 0.6×FY 2018: 1226×FY 2019: 453×FY 2020: 12.8×FY 2021: 0.5×FY 2022: 0.4×FY 2023: 0.4×FY 2024: 0.4×FY 2025: 517×
FY 2016 5y median 0.4× FY 2025
Debt / Equity 0.0×
FY 2016: 0.2×FY 2017: 0.1×FY 2018: 0.2×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.1×FY 2024: 0.2×FY 2025: 0.0×
FY 2016 5y median 0.2× FY 2025
Net Debt / EBITDA -5.7×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: -7.9×FY 2019: 0.0×FY 2020: 0.0×FY 2021: -8.5×FY 2022: -7.5×FY 2023: -5.9×FY 2024: -6.9×FY 2025: -5.7×
FY 2016 5y median -6.9× FY 2025
Interest Coverage 1.2×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 9.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 6.6×FY 2022: 4.0×FY 2023: 1.3×FY 2024: 0.9×FY 2025: 1.2×
FY 2016 5y median 1.3× FY 2025

Dividends

Dividend Yield 3.7%
FY 2016: 2.2%FY 2017: 3.5%FY 2018: 4.9%FY 2019: 4.8%FY 2020: 5.7%FY 2021: 4.6%FY 2022: 5.9%FY 2023: 5.5%FY 2024: 4.8%FY 2025: 3.7%
FY 2016 5y median 4.8% FY 2025
Payout Ratio 33.5%
FY 2016: 29.3%FY 2017: 45.5%FY 2018: 42.9%FY 2019: 52.9%FY 2020: 60.4%FY 2021: 53.7%FY 2022: 40.8%FY 2023: 38.2%FY 2024: 36.8%FY 2025: 33.5%
FY 2016 5y median 38.2% FY 2025

Annual · latest fiscal year ends 2025-12-31