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

NTB Statistics

Total Valuation

NTB has a market cap or net worth of $1.99 billion. The enterprise value is -$919.92 million.

Market Cap	1.99B
Enterprise Value	-919.92M

Important Dates

The last earnings date was Tuesday, October 28, 2025, after market close.

Earnings Date	Oct 28, 2025
Ex-Dividend Date	Nov 10, 2025

Share Statistics

NTB has 40.58 million shares outstanding. The number of shares has decreased by -7.64% in one year.

Current Share Class	40.58M
Shares Outstanding	40.58M
Shares Change (YoY)	-7.64%
Shares Change (QoQ)	-1.66%
Owned by Insiders (%)	1.31%
Owned by Institutions (%)	75.06%
Float	39.99M

Valuation Ratios

The trailing PE ratio is 9.32 and the forward PE ratio is 9.04.

PE Ratio	9.32
Forward PE	9.04
PS Ratio	3.45
Forward PS	3.31
PB Ratio	1.80
P/TBV Ratio	1.96
P/FCF Ratio	8.88
P/OCF Ratio	7.90
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	0.18
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 20.99%.

Return on Equity (ROE)	20.99%
Return on Assets (ROA)	1.60%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$462,897
Profits Per Employee	$175,853
Employee Count	1,295
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, NTB has paid $5.34 million in taxes.

Income Tax	5.34M
Effective Tax Rate	2.29%

Stock Price Statistics

The stock price has increased by +30.71% in the last 52 weeks. The beta is 0.56, so NTB's price volatility has been lower than the market average.

Beta (5Y)	0.56
52-Week Price Change	+30.71%
50-Day Moving Average	44.36
200-Day Moving Average	42.73
Relative Strength Index (RSI)	75.65
Average Volume (20 Days)	148,363

Short Selling Information

Short Interest	364,062
Short Previous Month	363,621
Short % of Shares Out	0.90%
Short % of Float	n/a
Short Ratio (days to cover)	1.57

Income Statement

In the last 12 months, NTB had revenue of $599.45 million and earned $227.73 million in profits. Earnings per share was $5.27.

Revenue	599.45M
Gross Profit	599.45M
Operating Income	242.66M
Pretax Income	233.07M
Net Income	227.73M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$5.27

Balance Sheet

The company has $2.95 billion in cash and $39.90 million in debt, giving a net cash position of $2.91 billion or $71.74 per share.

Cash & Cash Equivalents	2.95B
Total Debt	39.90M
Net Cash	2.91B
Net Cash Per Share	$71.74
Equity (Book Value)	1.11B
Book Value Per Share	27.25
Working Capital	-9.81B

Cash Flow

In the last 12 months, operating cash flow was $251.93 million and capital expenditures -$27.66 million, giving a free cash flow of $224.27 million.

Operating Cash Flow	251.93M
Capital Expenditures	-27.66M
Free Cash Flow	224.27M
FCF Per Share	$5.53

Margins

Gross Margin	n/a
Operating Margin	40.48%
Pretax Margin	38.88%
Profit Margin	37.99%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	37.41%

Dividends & Yields

This stock pays an annual dividend of $2.00, which amounts to a dividend yield of 4.08%.

Dividend Per Share	$2.00
Dividend Yield	4.08%
Dividend Growth (YoY)	6.82%
Years of Dividend Growth	n/a
Payout Ratio	35.69%
Buyback Yield	7.64%
Shareholder Yield	11.71%
Earnings Yield	11.44%
FCF Yield	11.26%

Analyst Forecast

The average price target for NTB is $50.67, which is 3.26% higher than the current price. The consensus rating is "Hold".

Price Target	$50.67
Price Target Difference	3.26%
Analyst Consensus	Hold
Analyst Count	3
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on September 6, 2016. It was a reverse split with a ratio of 1:10.

Last Split Date	Sep 6, 2016
Split Type	Reverse
Split Ratio	1:10

Scores

Altman Z-Score	n/a
Piotroski F-Score	4