The Bank of N.T. Butterfield & Son Limited NTB R2KR3KFINANCIAL
Company Overview
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.
Why Investors Should Care
Generates a return on equity of 21.1%, reflecting efficient use of shareholder capital.
Trades at a P/E of 10.6, below the sector median of 13.6.
Maintains a net profit margin of 37.5%.
Carries low leverage with a debt-to-equity ratio of 0.09.
Offers a dividend yield of 3.38%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Dec 2025 Revenue of $606.81M (+4.3% YoY); net profit $231.94M.
- Trailing 12 Months Year-on-year growth — revenue +8.2%, earnings -7.2%.
- 5-Year Trend Long-term compounding — revenue CAGR 3.2%, profit CAGR 2.7%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 3.23% |
| 1 Year: | 8.20% |
Compounded Profit Growth
| 5 Years: | 2.72% |
| 1 Year: | -7.20% |
Stock Price Performance
| 1 Year: | +34.45% |
| 6 Months: | +9.07% |
| 3 Months: | -0.53% |
| 1 Month: | +2.13% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)57.83 · Neutral
P/E of 10.55 is below the sector median of 13.55 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
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 Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Strong return on equity of 21.1%.
- Excellent profit margin of 37.5%.
- Attractive dividend yield of 3.38%.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
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 R2KR3KFINANCIAL | 59.91 | 10.55 | $2.36B | 3.38% | - | 21.14% | 3.23% | 2.72% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 331.58 | 14.21 | $881.40B | 1.72% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 542.19 | 13.64 | $763.42B | 0.00% | - | 12.12% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 407.92 | 34.69 | $695.14B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 623.60 | 34.34 | $542.20B | 0.62% | 60.19% | - | 12.29% | 19.21% |
| 6 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 813,595.00 | 13.64 | $397.40B | 0.00% | - | 12.12% | 7.60% | 10.02% |
| 7 | BAC Bank of America Corporation SPXR3KFINANCIAL | 50.56 | 11.68 | $353.55B | 2.39% | - | 11.20% | 3.14% | 4.27% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 90.68 | 12.95 | $310.38B | 3.65% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 179.49 | 14.51 | $281.90B | 2.26% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
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 |
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 | 6.71% | 2.56M | $147.35M |
| 2 | Blackrock Inc. | 6.25% | 2.39M | $137.24M |
| 3 | Rovida Investment Management Ltd | 4.69% | 1.79M | $103.12M |
| 4 | American Century Companies Inc | 4.51% | 1.73M | $99.21M |
| 5 | Dimensional Fund Advisors LP | 4.18% | 1.60M | $91.87M |
| 6 | LSV Asset Management | 3.71% | 1.42M | $81.52M |
| 7 | Nomura Asset Management International Inc | 3.20% | 1.22M | $70.34M |
| 8 | Davis Selected Advisers | 2.65% | 1.01M | $58.20M |
| 9 | Nuveen, LLC | 2.31% | 881.93K | $50.71M |
| 10 | Invesco Ltd. | 2.30% | 879.73K | $50.58M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for NTB
Bank of N.T. Butterfield & Son Limited (The) Voting Estimates – NYSE:NTB - TradingView
<a href="https://news.google.com/rss/articles/CBMidEFVX3lxTE9jR25TeENqQkRSNWlURldkMDlzSV9EM1UzUDlBM2VjMFFnQkctaU43RmhCQ21lQk10clZJaXdaQms1b0pUMWdfY0dqZVZ3b3NhZVZWbVpkU1h0NnZwT010dmJwRFVxNF9yZ2Jlbl9ZUkEwVjRx?oc=5" target="_blank">Bank of N.T…
2 Reasons to Like NTB and 1 to Stay Skeptical - Yahoo Finance
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Bank of N.T. Butterfield & Son (NTB) Set to Release Quarterly Earnings on Tuesday - MarketBeat
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What Makes Bank of NT Butterfield & Son (NTB) a New Buy Stock - Yahoo Finance
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An N.T. Butterfield & Son (NTB) Insider Bought 10,000 Shares for $565,000 - The Motley Fool
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Canoe Financial LP Sells 31,709 Shares of Bank of N.T. Butterfield & Son Limited (The) $NTB - MarketBeat
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NTB — Frequently Asked Questions
What is the current share price of The Bank of N.T. Butterfield & Son Limited (NTB)?
As of 2026-10-23 16:27 PDT, The Bank of N.T. Butterfield & Son Limited (NTB) trades at $59.91 on NYSE. Its 52-week range is $39.94 to $63.91.
What is the market capitalisation of NTB?
The Bank of N.T. Butterfield & Son Limited (NTB) has a market capitalisation of $2.36B on NYSE.
What is the P/E ratio of NTB?
NTB trades at a trailing price-to-earnings (P/E) ratio of 10.55. The industry average P/E is 13.55. Its price-to-book (P/B) ratio is 2.03.
Does NTB pay a dividend?
The Bank of N.T. Butterfield & Son Limited (NTB) currently offers a dividend yield of 3.38%.
What is the return on equity (ROE) of NTB?
NTB has a return on equity (ROE) of 21.14%.
Is NTB a good stock to buy?
This page provides a data-driven analysis of The Bank of N.T. Butterfield & Son Limited (NTB), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.