BANK OF N.T. BUTTERFIELD&SON (NTB) Stock Fundamental Analysis

NYSE:NTB • BMG0772R2087

52.87 USD
+0.15 (+0.28%)
At close: Feb 19, 2026
52.87 USD
0 (0%)
After Hours: 2/19/2026, 8:20:18 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to NTB. NTB was compared to 381 industry peers in the Banks industry. NTB has only an average score on both its financial health and profitability. NTB is valued correctly, but it does not seem to be growing. NTB also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • NTB had positive earnings in the past year.
  • NTB had a positive operating cash flow in the past year.
  • NTB had positive earnings in 4 of the past 5 years.
  • NTB had a positive operating cash flow in 4 of the past 5 years.
NTB Yearly Net Income VS EBIT VS OCF VS FCFNTB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.62%, NTB belongs to the top of the industry, outperforming 91.08% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 20.59%, NTB belongs to the top of the industry, outperforming 97.90% of the companies in the same industry.
Industry RankSector Rank
ROA 1.62%
ROE 20.59%
ROIC N/A
ROA(3y)1.57%
ROA(5y)1.35%
ROE(3y)22.8%
ROE(5y)20.01%
ROIC(3y)N/A
ROIC(5y)N/A
NTB Yearly ROA, ROE, ROICNTB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

1.3 Margins

  • NTB has a better Profit Margin (37.95%) than 93.70% of its industry peers.
  • NTB's Profit Margin has improved in the last couple of years.
  • NTB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 37.95%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y4.31%
PM growth 5Y2.26%
GM growth 3YN/A
GM growth 5YN/A
NTB Yearly Profit, Operating, Gross MarginsNTB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • NTB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • There is no outstanding debt for NTB. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
NTB Yearly Shares OutstandingNTB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
NTB Yearly Total Debt VS Total AssetsNTB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

2.2 Solvency

  • NTB has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC15.82%
NTB Yearly LT Debt VS Equity VS FCFNTB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
NTB Yearly Current Assets VS Current LiabilitesNTB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 16.10% over the past year.
  • NTB shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 13.65% yearly.
EPS 1Y (TTM)16.1%
EPS 3Y8.5%
EPS 5Y13.65%
EPS Q2Q%14.93%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%4.88%

3.2 Future

  • NTB is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.64% yearly.
  • NTB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.14% yearly.
EPS Next Y0.13%
EPS Next 2Y5.64%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year0.73%
Revenue Next 2Y2.46%
Revenue Next 3Y2.14%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
NTB Yearly Revenue VS EstimatesNTB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 200M 400M 600M
NTB Yearly EPS VS EstimatesNTB Yearly EPS VS EstimatesYearly EPS VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6

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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 9.65, the valuation of NTB can be described as very reasonable.
  • 86.61% of the companies in the same industry are more expensive than NTB, based on the Price/Earnings ratio.
  • NTB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.09.
  • With a Price/Forward Earnings ratio of 9.63, the valuation of NTB can be described as very reasonable.
  • 73.23% of the companies in the same industry are more expensive than NTB, based on the Price/Forward Earnings ratio.
  • The average S&P500 Price/Forward Earnings ratio is at 27.98. NTB is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 9.65
Fwd PE 9.63
NTB Price Earnings VS Forward Price EarningsNTB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, NTB is valued a bit cheaper than the industry average as 68.77% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 10.26
EV/EBITDA N/A
NTB Per share dataNTB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates NTB does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)72.13
PEG (5Y)0.71
EPS Next 2Y5.64%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 3.79%, NTB has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.78, NTB pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.85, NTB pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.79%

5.2 History

  • The dividend of NTB has a limited annual growth rate of 0.17%.
  • NTB has been paying a dividend for at least 10 years, so it has a reliable track record.
  • NTB has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)0.17%
Div Incr Years0
Div Non Decr Years8
NTB Yearly Dividends per shareNTB Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • NTB pays out 33.73% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of NTB is growing, but earnings are growing more, so the dividend growth is sustainable.
DP33.73%
EPS Next 2Y5.64%
EPS Next 3YN/A
NTB Yearly Income VS Free CF VS DividendNTB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M
NTB Dividend Payout.NTB Dividend Payout, showing the Payout Ratio.NTB Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

BANK OF N.T. BUTTERFIELD&SON

NYSE:NTB (2/19/2026, 8:20:18 PM)

After market: 52.87 0 (0%)

52.87

+0.15 (+0.28%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-09
Earnings (Next)04-21
Inst Owners69.9%
Inst Owner Change-11.69%
Ins Owners1.22%
Ins Owner ChangeN/A
Market Cap2.30B
Revenue(TTM)N/A
Net Income(TTM)227.73M
Analysts74.29
Price Target51.68 (-2.25%)
Short Float %0.56%
Short Ratio1.53
Dividend
Industry RankSector Rank
Dividend Yield 3.79%
Yearly Dividend1.75
Dividend Growth(5Y)0.17%
DP33.73%
Div Incr Years0
Div Non Decr Years8
Ex-Date02-23
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)4.85%
Min EPS beat(2)-0.79%
Max EPS beat(2)10.49%
EPS beat(4)3
Avg EPS beat(4)8.51%
Min EPS beat(4)-0.79%
Max EPS beat(4)13.4%
EPS beat(8)6
Avg EPS beat(8)6.45%
EPS beat(12)9
Avg EPS beat(12)4.73%
EPS beat(16)13
Avg EPS beat(16)4.96%
Revenue beat(2)1
Avg Revenue beat(2)0.57%
Min Revenue beat(2)-1.4%
Max Revenue beat(2)2.55%
Revenue beat(4)3
Avg Revenue beat(4)2.66%
Min Revenue beat(4)-1.4%
Max Revenue beat(4)5.3%
Revenue beat(8)6
Avg Revenue beat(8)1.92%
Revenue beat(12)8
Avg Revenue beat(12)1.15%
Revenue beat(16)10
Avg Revenue beat(16)0.93%
PT rev (1m)-2.09%
PT rev (3m)0.33%
EPS NQ rev (1m)-0.23%
EPS NQ rev (3m)4%
EPS NY rev (1m)0.11%
EPS NY rev (3m)3.38%
Revenue NQ rev (1m)-0.07%
Revenue NQ rev (3m)0.23%
Revenue NY rev (1m)-0.02%
Revenue NY rev (3m)0.31%
Valuation
Industry RankSector Rank
PE 9.65
Fwd PE 9.63
P/S 3.84
P/FCF 10.26
P/OCF 9.14
P/B 2.08
P/tB 2.26
EV/EBITDA N/A
EPS(TTM)5.48
EY10.37%
EPS(NY)5.49
Fwd EY10.38%
FCF(TTM)5.15
FCFY9.74%
OCF(TTM)5.79
OCFY10.94%
SpS13.78
BVpS25.4
TBVpS23.36
PEG (NY)72.13
PEG (5Y)0.71
Graham Number55.96
Profitability
Industry RankSector Rank
ROA 1.62%
ROE 20.59%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 37.95%
GM N/A
FCFM 37.37%
ROA(3y)1.57%
ROA(5y)1.35%
ROE(3y)22.8%
ROE(5y)20.01%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y4.31%
PM growth 5Y2.26%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 73.48%
Cap/Sales 4.61%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 98.48%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC15.82%
ROIC/WACCN/A
Cap/Depr(3y)89.29%
Cap/Depr(5y)64.69%
Cap/Sales(3y)5.96%
Cap/Sales(5y)5.03%
Profit Quality(3y)103.92%
Profit Quality(5y)114.09%
High Growth Momentum
Growth
EPS 1Y (TTM)16.1%
EPS 3Y8.5%
EPS 5Y13.65%
EPS Q2Q%14.93%
EPS Next Y0.13%
EPS Next 2Y5.64%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%4.88%
Revenue Next Year0.73%
Revenue Next 2Y2.46%
Revenue Next 3Y2.14%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-2.58%
FCF growth 3Y1.16%
FCF growth 5Y1.46%
OCF growth 1Y-2.24%
OCF growth 3Y1.84%
OCF growth 5Y1.24%

BANK OF N.T. BUTTERFIELD&SON / NTB FAQ

What is the fundamental rating for NTB stock?

ChartMill assigns a fundamental rating of 4 / 10 to NTB.


Can you provide the valuation status for BANK OF N.T. BUTTERFIELD&SON?

ChartMill assigns a valuation rating of 5 / 10 to BANK OF N.T. BUTTERFIELD&SON (NTB). This can be considered as Fairly Valued.


How profitable is BANK OF N.T. BUTTERFIELD&SON (NTB) stock?

BANK OF N.T. BUTTERFIELD&SON (NTB) has a profitability rating of 4 / 10.


Can you provide the PE and PB ratios for NTB stock?

The Price/Earnings (PE) ratio for BANK OF N.T. BUTTERFIELD&SON (NTB) is 9.65 and the Price/Book (PB) ratio is 2.08.


How financially healthy is BANK OF N.T. BUTTERFIELD&SON?

The financial health rating of BANK OF N.T. BUTTERFIELD&SON (NTB) is 4 / 10.