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Data-driven stock valuation

Bank of N.T. Butterfield & Son Ltd (NTB) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Bank of N.T. Butterfield & Son Ltd stock $48.20, price $54.74, that is 11.9% below the price, quality 70 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US · ISIN BMG0772R2087

BO Bank of N.T. Butterfield & Son Ltd logo Broad data Nov 6, 2026

Bank of N.T. Butterfield & Son Ltd

NTB · US
Solid, but expensive

Our calculation puts a fair price 12% below what the stock costs today.

Quality 70/100
Highly profitable · 37.0% net margin (TTM)
3.7% dividend yield · Low payout
Ranks above peers (11/15)
Positive coverage
Broad data
Costs just 9.6 times its yearly profit.
Mixed Growth (revenue 5y +9.8 %/yr in USD)
Wide moat 74/100 · thin data
Insiders bought $564,900 (6M) · sold $23.1M
Fair value $48.20 · Overvalued (−11.9%)
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$63.91 $19.46 Fair Value $48.20 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.

How to read this chart

60‑month range $19.46 – $63.91 · fair‑value band $37.38 – $70.98 · the $54.74 price screens above the $48.20 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.

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Company profile

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.

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It also provides lending products and services, including residential mortgage lending, automobile lending, credit cards, consumer financing, overdraft facilities to retail customers, commercial real estate lending, and commercial and industrial loans.

In addition, the company offers cash and liquidity management, foreign exchange, custody administration, and settlement services.

Further, it provides personal and business deposit services, residential and commercial mortgages, small and medium-sized enterprise and corporate loans, credit and debit cards, merchant acquiring, and mobile and internet banking services; and treasury services, wealth management, and fiduciary services.

Additionally, the company offers discretionary investment management, managed portfolio services, money market, and mutual fund offerings, as well as advisory and self-directed brokerage options.

It operates through offices in the Cayman Islands, Guernsey, Jersey, the United Kingdom, The Bahamas, Hong Kong, Switzerland, Singapore, Mauritius, and Canada, as well as Bermuda. The Bank of N.T. Butterfield & Son Limited was founded in 1784 and is headquartered in Hamilton, Bermuda.

Stock analysis

Bank of N.T. Butterfield & Son Ltd (NTB) currently trades at $54.74, while our model-based Fair Value estimate is $48.20, 12% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $56.79 per share, and 1 of the 6 models we run sit above the $54.74 price.

Bear case: the Asset-Based group reads lowest at $17.87, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: $37.38 (bear) to $70.98 (bull), the price of $54.74 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 70/100 (solid quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Bank of N.T. Butterfield & Son Ltd reported revenue of $800M in FY2025 versus $522M in FY2021, a compound +11.3%/yr. Reported net income was $232M in FY2025, compounding +9.3%/yr from FY2021.

Key figures

Market cap $2.2B Mid · P/E ratio 9.6 · P/S ratio 3.49 · EPS (TTM) $5.69 · Dividend yield 3.7% · Net margin 37.0% · Return on equity 21.1% · Return on assets (EBIT) 1.5% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 74 out of 100 (low confidence).

What moves the price

The share trades about 14% below its 52-week high and 26% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −15% fair-value upside, at −12%, NTB screens cheaper than that median.

Fair Value models

Bear $37.38 Fair Value $48.20 Bull $70.98
Price $54.74 · Downside -11.9%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($3.15 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $37.38 $48.20 $80.57 74
DDM Multi-Stage $18.72 $32.70 $42.23 66
Gordon GGM $18.72 $40.46 $67.21 65
All 6 models by family
Dividend Discount
Gordon GGM $18.72 $40.46 $67.21 65
DDM Multi-Stage $18.72 $32.70 $42.23 66
Multiples
P/E Multiple $57.16 $76.22 $95.27 63
P/B Multiple $28.01 $37.35 $46.69 55
Asset-Based
NCAV (Graham) $13.34 $17.87 $26.68 54
Economic Profit
Residual Income $37.38 $48.20 $80.57 74

Open the full fair value analysis →

Quality Score breakdown

Overall quality 70/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 42
How much profit the company makes from its sales and capital
Quality Growth 54
Are margins and returns getting better?
Cashflow 85
Do the profits arrive as real cash?
Financial strength 38
Debt, balance sheet and risk of trouble
Investment 82
Does it invest with discipline instead of growing at any price?
Low Volatility 95
How calm the share price moves, does not count
Price momentum 45
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 56
Distance to the 52-week high, does not count
New shares 100
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, one officer or director bought shares worth $564,900, on May 29, 2026. Over the same period, 9 people sold shares worth $23.1M.

  • SaleMichael McWattManaging Director, Cayman2× since Aug 5, 2026: 21,000 shares, avg. $60.34$1.3MAug 26, 2026
  • SaleMichael W CollinsChief Executive Officer2× since Jun 12, 2026: 267,658 shares, avg. $60.94$16.3MAug 19, 2026
  • SaleJane PearceManaging Director, Trust16,368 shares at $61.78$1.0MAug 18, 2026
  • SaleMichael Walter NeffChief Operating Officer5,500 shares at $63.66$350,130Aug 14, 2026
  • SaleJohn R WrightDirector5,000 shares at $59.50$297,500Aug 4, 2026
  • SaleRichard SaundersManaging Director, CIUK18,118 shares at $61.33$1.1MJul 31, 2026
  • SaleAndrew Ronald BurnsChief Risk Officer, Cayman18,566 shares at $61.27$1.1MJul 30, 2026
  • SaleTara HidalgoChief Risk Officer18,587 shares at $61.27$1.1MJul 30, 2026
  • SaleJody Terence FeldmanManaging Director, Bermuda7,500 shares at $59.94$449,550Jul 29, 2026
  • BuyMark T LynchDirector10,000 shares at $56.49$564,900May 29, 2026

Plus 9 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 84/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−2.0%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+9.7%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+9.8%
Start year 2020 (pandemic). Over 10 years: +7.9% a year
Revenue growth 26 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+3.3%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+14.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year+10.9%
Dividend (yield on the price)3.7%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.10.9% vs 9.1%, steady
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.30% → 30%
Pace: the 5-year rate starts in 2020 (pandemic)

NTB screens overvalued: fair value 12% below the price. Compare with JPMorgan Chase & Co →

Recent news

News mood ⓘNews mood, the average tone of recent news (99 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation. Positive
Recent news coverage is more positive than average.
Note from the team Oct 23, 2026
AI conclusion: Strong observed ROE marks the main strength for this bank while thin evidence across factors leaves durability of returns unclear from public signals.
Main risk: Integration risks from the planned acquisition of CIBC Caribbean and greater exposure to Caribbean cycles could hit operational stability and returns.
Butterfield plans to more than double its size by acquiring CIBC Caribbean, with closing targeted for the first half of 2027. This shift could strengthen fee income and regional reach while leveraging the bank's strong capital base. Yet integration risks and greater exposure to Caribbean cycles remain. Will the larger platform lift returns more than it adds complexity?
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Diversified · 46 stocks

Beats the industry median on 10/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 70 · Top 25%
Fair Value upside −11.9% · Top 25%
Profitability
Return on equity (12 months) 21.1% · Top 25%
Return on assets 1.7% · Top 25%
Net margin (12 months) 37.0% · Top 25%
Operating margin (12 months) 40.3% · Below median
Growth and dividend
Revenue growth (quarter YoY) 5.7% · Below median
Dividend yield (12 months) 3.7% · Above median

Valuation Multiplesvs Banks - Diversified median · lower = cheaper

P/E (12 months) 9.6× · Cheapest 25%
P/B 1.94× · Priciest 25%
P/S (12 months) 3.49× · Cheaper than median
Price / free cash flow (fiscal year) 8.7× · Cheaper than median
EV/EBITDA 2.3× · Cheapest 25%
PEG 1.96× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)17 · sector 0
FUTURE (revenue growth)29 · sector 34
PAST (return on equity)84 · sector 47
HEALTH (low debt)–
DIVIDEND (yield)73 · sector 68

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Diversified stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Agricultural Bank of China Limited 601288 ¥7.28 ¥9.14 +26% vs NTB
Industrial and Commercial Bank of China Limited 601398 ¥8.44 ¥10.52 +25% vs NTB
Bank of China Limited 601988 ¥6.85 ¥7.73 +13% vs NTB
China Construction Bank Corporation 601939 ¥11.91 ¥13.33 +12% vs NTB
Bank of America Corporation BAC $49.42 $42.16 −15% vs NTB
Citigroup Inc C $119.05 $96.55 −19% vs NTB
Wells Fargo & Company WFC $83.94 $66.59 −21% vs NTB
Mitsubishi UFJ Financial Group MUFG $20.97 $14.73 −30% vs NTB
Royal Bank of Canada RY $201.16 $132.82 −34% vs NTB
JPMorgan Chase & Co JPM $334.49 $187.04 −44% vs NTB

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Bank of N.T. Butterfield & Son Ltd: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Bank of N.T. Butterfield & Son Ltd Fair Value". https://www.fairvalue-calculator.com/stock/NTB

Frequently asked questions

Is Bank of N.T. Butterfield & Son Ltd (NTB) overvalued or undervalued?
As of Nov 6, 2026, our model estimates a fair value of $48.20 versus a price of $54.74, about 12% lower (overvalued).
What is the fair value of NTB?
Our model-based fair value for Bank of N.T. Butterfield & Son Ltd is $48.20 (as of Nov 6, 2026), built from audited fundamentals. The current price: $54.74.
What is the quality score of NTB?
Bank of N.T. Butterfield & Son Ltd has a Quality Score of 70/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Bank of N.T. Butterfield & Son Ltd (NTB)?
Our model-based price target is the fair value of $48.20 (as of Nov 6, 2026) from 6 valuation models. Cautious scenario $37.38, optimistic scenario $70.98. It is a calculation from audited fundamentals, not an analyst target.
What is the Bank of N.T. Butterfield & Son Ltd stock forecast for 2026?
Our models put fair value at $48.20, about 12% lower versus a price of $54.74 (overvalued). Cautious scenario $37.38, optimistic scenario $70.98. The calculation is refreshed regularly with new filings.
What is the revenue of Bank of N.T. Butterfield & Son Ltd (NTB)?
Bank of N.T. Butterfield & Son Ltd reported trailing-twelve-month revenue of about $634M (latest available figure, as of Nov 6, 2026).
Does Bank of N.T. Butterfield & Son Ltd pay a dividend?
Bank of N.T. Butterfield & Son Ltd currently shows a dividend yield of 3.65% relative to its recent price (as of Nov 6, 2026).
How much is the dividend of Bank of N.T. Butterfield & Son Ltd (NTB) and when is the ex-dividend date?
Bank of N.T. Butterfield & Son Ltd pays a dividend of $2.00 per share a year, a dividend yield of 3.7%. The next ex-dividend date is Nov 10, 2026. A dividend has been paid every year since 2013. The payout ratio is 35.1% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Bank of N.T. Butterfield & Son Ltd (NTB)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Bank of N.T. Butterfield & Son Ltd it is $48.20 per share (as of Nov 6, 2026), against a price of $54.74. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Bank of N.T. Butterfield & Son Ltd stock overvalued or undervalued in 2026?
As of Nov 6, 2026, NTB trades above its calculated fair value: price $54.74, fair value $48.20, a gap of about −12% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of NTB?
No. The price is what the market pays today ($54.74); the fair value is what the company's own numbers justify ($48.20). For Bank of N.T. Butterfield & Son Ltd the two are $6.54 per share apart. That gap is exactly why we show both numbers side by side.
How much is Bank of N.T. Butterfield & Son Ltd worth?
The market values Bank of N.T. Butterfield & Son Ltd at about $2.2B (market capitalisation, as of Nov 6, 2026). Per share that is $54.74; our models calculate a fair value of $48.20 per share.
What do the bullish and bearish scenarios say about NTB?
Our models span a range for Bank of N.T. Butterfield & Son Ltd: cautious scenario $37.38, base $48.20, optimistic $70.98 per share (as of Nov 6, 2026, price $54.74). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of NTB?
Bank of N.T. Butterfield & Son Ltd trades at a price-to-earnings ratio of 9.6 (as of Nov 6, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $48.20 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings, FY2016 ex one-offs: 9.9. Other multiples: PEG 2.0, P/B 1.9, P/S 3.5, EV/EBITDA 2.3.
What is the PEG ratio of NTB?
The PEG ratio of Bank of N.T. Butterfield & Son Ltd is 1.96 (P/E divided by earnings growth, as of Nov 6, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Bank of N.T. Butterfield & Son Ltd (NTB)?
Balance-sheet figures for Bank of N.T. Butterfield & Son Ltd (as of Nov 6, 2026): return on equity 21.1%. They feed the Quality Score of 70/100, which measures business quality independently of the share price.
How far is NTB from its 52-week high?
Bank of N.T. Butterfield & Son Ltd trades at $54.74, about 14% below its 52-week high of $63.91 and 26% above the low of $43.59 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $48.20 is for.
Which stocks are comparable to Bank of N.T. Butterfield & Son Ltd?
From the same area (Financial Services) we also value JPMorgan Chase & Co, China Construction Bank Corporation, Industrial and Commercial Bank of China Limited, Agricultural Bank of China Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Bank of N.T. Butterfield & Son Ltd stock attractive at the current price?
The data as of Nov 6, 2026: price $54.74, calculated fair value $48.20 (−12%), Quality Score 70/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of NTB calculated?
We run Bank of N.T. Butterfield & Son Ltd through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $48.20 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0% above its aggregate fair value. Bank of N.T. Butterfield & Son Ltd itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Bank of N.T. Butterfield & Son Ltd (NTB)?
The closing price on Nov 6, 2026 was $54.74. Our model-based fair value is $48.20, about 12% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Bank of N.T. Butterfield & Son Ltd right now?
A fairly wide model range ($37.38 to $70.98) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Bank of N.T. Butterfield & Son Ltd (NTB) come from?
Earnings per share at Bank of N.T. Butterfield & Son Ltd grew +10.0 % a year from 2014 to 2025. Broken into its drivers: revenue per share +8.8 %, EBIT margin +4.0 %, tax rate −0.1 %, residual (interest, one-offs) −2.7 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Bank of N.T. Butterfield & Son Ltd

How large is the market capitalisation of Bank of N.T. Butterfield & Son Ltd (NTB)?
The market capitalisation of Bank of N.T. Butterfield & Son Ltd is $2.2B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Bank of N.T. Butterfield & Son Ltd (NTB)?
The price-to-sales ratio of Bank of N.T. Butterfield & Son Ltd is 3.49 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Bank of N.T. Butterfield & Son Ltd (NTB)?
Earnings per share at Bank of N.T. Butterfield & Son Ltd are $5.69 (price ÷ EPS = P/E 9.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Bank of N.T. Butterfield & Son Ltd (NTB)?
The dividend yield of Bank of N.T. Butterfield & Son Ltd is 3.7% (payout 35.1%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Bank of N.T. Butterfield & Son Ltd (NTB)?
The net margin of Bank of N.T. Butterfield & Son Ltd is 37.0% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Bank of N.T. Butterfield & Son Ltd (NTB)?
The return on equity (ROE) of Bank of N.T. Butterfield & Son Ltd is 21.1% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Bank of N.T. Butterfield & Son Ltd (NTB)?
On an EBIT basis the return on assets of Bank of N.T. Butterfield & Son Ltd is 1.5% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Bank of N.T. Butterfield & Son Ltd (NTB)?
The operating margin of Bank of N.T. Butterfield & Son Ltd is 40.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Bank of N.T. Butterfield & Son Ltd (NTB)?
Revenue at Bank of N.T. Butterfield & Son Ltd is growing +5.7% versus a year earlier (3y avg +9.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Bank of N.T. Butterfield & Son Ltd (NTB)?
Earnings per share at Bank of N.T. Butterfield & Son Ltd are growing +2.7% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Bank of N.T. Butterfield & Son Ltd (NTB) generate?
The free cash flow of Bank of N.T. Butterfield & Son Ltd is $255M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Bank of N.T. Butterfield & Son Ltd (NTB) hold?
Bank of N.T. Butterfield & Son Ltd holds more cash than debt, $1.6B net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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