The Bank of N.T. Butterfield & Son Limited NTB R2K
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, 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.
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Valuation
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Growth (CAGR)
PROS
- Strong return on equity of 22.0%.
- Excellent profit margin of 39.3%.
- Attractive dividend yield of 3.54%.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth
No fundamental data available for this stock.
Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | NTB The Bank of N.T. Butterfield & Son Limited R2K | 56.46 | 9.79 | $2.24B | 3.54% | - | 21.95% | 3.23% | 2.72% |
| 2 | JPM JPMorgan Chase & Co. SPX | 299.31 | 14.33 | $802.00B | 2.00% | - | 16.47% | 12.50% | 14.83% |
| 3 | V Visa Inc. SPX | 326.36 | 28.48 | $620.65B | 0.82% | 38.38% | 60.35% | 10.92% | 10.28% |
| 4 | MA Mastercard Incorporated SPX | 493.98 | 28.57 | $436.47B | 0.70% | 61.47% | - | 13.82% | 14.66% |
| 5 | MS Morgan Stanley SPX | 208.00 | 18.84 | $328.08B | 1.92% | - | 16.39% | 9.52% | 15.20% |
| 6 | GS The Goldman Sachs Group, Inc. SPX | 1,025.56 | 18.73 | $302.55B | 1.76% | - | 14.55% | 7.16% | 15.11% |
| 7 | WFC Wells Fargo & Company SPX | 77.54 | 11.98 | $237.29B | 2.32% | - | 12.03% | 4.02% | 15.98% |
| 8 | BLK BlackRock, Inc. SPX | 1,046.88 | 26.32 | $162.51B | 2.19% | 4.89% | 11.90% | 10.65% | 2.36% |
| 9 | SCHW The Charles Schwab Corporation SPX | 87.35 | 17.37 | $151.91B | 1.47% | - | 19.08% | 4.83% | 7.21% |
Quarterly Results
Figures in USD.
| Metric | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| Revenue | - | - | 147.78M | 146.49M | 153.84M | 158.70M | 155.93M |
| Cost of Revenue | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - |
| Interest Expense | - | - | 50.69M | 51.51M | 46.68M | 44.15M | 39.40M |
| Pretax Income | - | - | 54.94M | 54.53M | 62.51M | 65.98M | 63.98M |
| Tax Provision | - | - | 1.18M | 1.21M | 1.45M | 2.19M | 1.35M |
| Net Income | - | - | 53.76M | 53.33M | 61.06M | 63.79M | 62.62M |
| Diluted EPS | - | - | 1.23 | 1.25 | 1.46 | 1.54 | 1.53 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Revenue | - | 551.62M | 583.22M | 581.98M | 606.81M |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - |
| Operating Income | - | - | - | - | - |
| EBITDA | - | - | - | - | - |
| Interest Expense | - | 54.80M | 178.67M | 234.51M | 193.03M |
| Pretax Income | - | 217.70M | 226.26M | 220.85M | 237.97M |
| Tax Provision | - | 3.68M | 767.00K | 4.53M | 6.02M |
| Net Income | - | 214.02M | 225.49M | 216.32M | 231.94M |
| Diluted EPS | - | 4.29 | 4.58 | 4.71 | 5.47 |
Compounded Sales Growth
| 5 Years: | 3.23% |
| 1 Year: | 4.30% |
Compounded Profit Growth
| 5 Years: | 2.72% |
| 1 Year: | 24.40% |
Stock Price Performance
| 1 Year: | +37.94% |
| 6 Months: | +23.63% |
| 3 Months: | +12.27% |
| 1 Month: | +4.33% |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Total Assets | - | 14.31B | 13.37B | 14.23B | 14.09B |
| Current Assets | - | - | - | - | - |
| Cash & Equivalents | - | 2.10B | 1.65B | 2.00B | 1.71B |
| Inventory | - | - | - | - | - |
| Receivables | 144.28M | 203.52M | - | - | - |
| Total Liabilities | - | 13.44B | 12.37B | 13.21B | 12.95B |
| Current Liabilities | - | - | - | - | - |
| Long Term Debt | 171.88M | 172.29M | 98.49M | 98.72M | - |
| Total Debt | 171.88M | 172.29M | 98.49M | 98.72M | - |
| Total Equity | - | 864.82M | 1.00B | 1.02B | 1.14B |
| Shares Outstanding | - | 50.28M | 47.53M | 44.16M | 39.95M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | - | 219.27M | 300.29M | 265.43M | 279.56M |
| Investing Cash Flow | - | 292.02M | 681.80M | -581.02M | 102.36M |
| Financing Cash Flow | - | -506.81M | -1.45B | 735.56M | -745.64M |
| Capital Expenditure | - | -26.88M | -54.27M | -21.53M | -24.75M |
| Free Cash Flow | - | 192.40M | 246.02M | 243.90M | 254.81M |
| Net Change in Cash | - | 4.49M | -465.83M | 419.97M | -363.72M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - |
| Net Margin % | - | 38.8% | 38.7% | 37.2% | 38.2% |
| ROE % | - | 24.7% | 22.5% | 21.2% | 20.3% |
| ROCE % | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | FMR, LLC | 6.79% | 2.60M | $147.02M |
| 2 | Blackrock Inc. | 6.00% | 2.30M | $130.01M |
| 3 | Rovida Investment Management Ltd | 4.68% | 1.79M | $101.26M |
| 4 | American Century Companies Inc | 4.30% | 1.65M | $93.09M |
| 5 | Dimensional Fund Advisors LP | 4.16% | 1.60M | $90.08M |
| 6 | LSV Asset Management | 3.42% | 1.31M | $74.13M |
| 7 | Nomura Asset Management International Inc | 3.26% | 1.25M | $70.52M |
| 8 | Davis Selected Advisers | 2.80% | 1.07M | $60.59M |
| 9 | Nuveen, LLC | 2.36% | 906.52K | $51.18M |
| 10 | Hotchkis & Wiley Capital Management, LLC | 2.10% | 804.73K | $45.44M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
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