NTB Fundamental Analysis - BANK OF N.T. BUTTERFIELD&SON

Fundamental Rating

NTB gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 395 industry peers in the Banks industry. Both the profitability and the financial health of NTB get a neutral evaluation. Nothing too spectacular is happening here. NTB has a correct valuation and a medium growth rate. Finally NTB also has an excellent dividend rating.

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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.

Each year in the past 5 years NTB has been profitable.

NTB had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

NTB has a better Return On Assets (1.55%) than 90.89% of its industry peers.

NTB has a Return On Equity of 20.48%. This is amongst the best in the industry. NTB outperforms 97.97% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.55%
ROE	20.48%
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

1.3 Margins

The Profit Margin of NTB (36.91%) is better than 93.67% of its industry peers.

In the last couple of years the Profit Margin of NTB has grown nicely.

The Operating Margin and Gross Margin are not available for NTB so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	36.91%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

NTB does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for NTB has been reduced compared to 1 year ago.

NTB has less shares outstanding than it did 5 years ago.

Compared to 1 year ago, NTB has a worse debt to assets ratio.

2.2 Solvency

NTB has a debt to FCF ratio of 0.36. This is a very positive value and a sign of high solvency as it would only need 0.36 years to pay back of all of its debts.

Looking at the Debt to FCF ratio, with a value of 0.36, NTB belongs to the top of the industry, outperforming 84.56% of the companies in the same industry.

A Debt/Equity ratio of 0.09 indicates that NTB is not too dependend on debt financing.

NTB has a better Debt to Equity ratio (0.09) than 73.16% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.09
Debt/FCF	0.36
Altman-Z	N/A

ROIC/WACCN/A

WACC17.23%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

NTB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.31%, which is quite good.

NTB shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.49% yearly.

The Revenue has been growing slightly by 1.58% in the past year.

NTB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.78% yearly.

EPS 1Y (TTM)8.31%

EPS 3Y13.25%

EPS 5Y7.49%

EPS Q2Q%8.85%

Revenue 1Y (TTM)1.58%

Revenue growth 3Y5.41%

Revenue growth 5Y1.78%

Sales Q2Q%3.78%

3.2 Future

NTB is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.50% yearly.

Based on estimates for the next years, NTB will show a small growth in Revenue. The Revenue will grow by 1.76% on average per year.

EPS Next Y8.7%

EPS Next 2Y6.12%

EPS Next 3Y7.5%

EPS Next 5YN/A

Revenue Next Year3.45%

Revenue Next 2Y1.88%

Revenue Next 3Y1.76%

Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.

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4. Valuation

4.1 Price/Earnings Ratio

NTB is valuated reasonably with a Price/Earnings ratio of 9.25.

Based on the Price/Earnings ratio, NTB is valued cheaper than 86.08% of the companies in the same industry.

The average S&P500 Price/Earnings ratio is at 26.98. NTB is valued rather cheaply when compared to this.

Based on the Price/Forward Earnings ratio of 8.39, the valuation of NTB can be described as reasonable.

Based on the Price/Forward Earnings ratio, NTB is valued a bit cheaper than 74.94% of the companies in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 21.49, NTB is valued rather cheaply.

		Industry Rank	Sector Rank
PE	9.25
Fwd PE	8.39

4.2 Price Multiples

NTB's Price/Free Cash Flow ratio is rather cheap when compared to the industry. NTB is cheaper than 85.06% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	7.11
EV/EBITDA	N/A

4.3 Compensation for Growth

NTB's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.

PEG (NY)1.06

PEG (5Y)1.24

EPS Next 2Y6.12%

EPS Next 3Y7.5%

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5. Dividend

5.1 Amount

NTB has a Yearly Dividend Yield of 3.92%.

NTB's Dividend Yield is a higher than the industry average which is at 3.47.

Compared to an average S&P500 Dividend Yield of 2.42, NTB pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	3.92%

5.2 History

The dividend of NTB has a limited annual growth rate of 0.17%.

NTB has paid a dividend for at least 10 years, which is 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

5.3 Sustainability

NTB pays out 35.93% 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.

DP35.93%

EPS Next 2Y6.12%

EPS Next 3Y7.5%

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BANK OF N.T. BUTTERFIELD&SON

NYSE:NTB (6/27/2025, 8:04:00 PM)

After market: 44.6 0 (0%)

44.6

-0.31 (-0.69%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-23 2025-04-23/amc

Earnings (Next)07-21 2025-07-21/amc

Inst Owners70.3%

Inst Owner Change3.29%

Ins Owners1.22%

Ins Owner ChangeN/A

Market Cap1.94B

Analysts77.5

Price Target46.92 (5.2%)

Short Float %0.67%

Short Ratio1.65

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.92%

Yearly Dividend1.75

Dividend Growth(5Y)0.17%

DP35.93%

Div Incr Years0

Div Non Decr Years8

Ex-Date05-07 2025-05-07 (0.44)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)12.17%

Min EPS beat(2)10.94%

Max EPS beat(2)13.4%

EPS beat(4)4

Avg EPS beat(4)7.01%

Min EPS beat(4)0.75%

Max EPS beat(4)13.4%

EPS beat(8)6

Avg EPS beat(8)4.08%

EPS beat(12)10

Avg EPS beat(12)4.61%

EPS beat(16)12

Avg EPS beat(16)3.97%

Revenue beat(2)2

Avg Revenue beat(2)4.75%

Min Revenue beat(2)4.21%

Max Revenue beat(2)5.3%

Revenue beat(4)3

Avg Revenue beat(4)2.44%

Min Revenue beat(4)-0.83%

Max Revenue beat(4)5.3%

Revenue beat(8)5

Avg Revenue beat(8)1.1%

Revenue beat(12)8

Avg Revenue beat(12)1.09%

Revenue beat(16)11

Avg Revenue beat(16)0.88%

PT rev (1m)0%

PT rev (3m)3.37%

EPS NQ rev (1m)0%

EPS NQ rev (3m)14.26%

EPS NY rev (1m)0%

EPS NY rev (3m)11.4%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)4.06%

Revenue NY rev (1m)0%

Revenue NY rev (3m)3.54%

Valuation

		Industry Rank	Sector Rank
PE	9.25
Fwd PE	8.39
P/S	3.31
P/FCF	7.11
P/OCF	6.47
P/B	1.84
P/tB	2.01
EV/EBITDA	N/A

EPS(TTM)4.82

EY10.81%

EPS(NY)5.32

Fwd EY11.92%

FCF(TTM)6.27

FCFY14.07%

OCF(TTM)6.89

OCFY15.45%

SpS13.48

BVpS24.3

TBVpS22.24

PEG (NY)1.06

PEG (5Y)1.24

Profitability

		Industry Rank	Sector Rank
ROA	1.55%
ROE	20.48%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	36.91%
GM	N/A
FCFM	46.54%

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

ROICexcg growth 3YN/A

ROICexcg 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-Score6

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.09
Debt/FCF	0.36
Debt/EBITDA	N/A
Cap/Depr	63.65%
Cap/Sales	4.57%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	126.08%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC17.23%

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)8.31%

EPS 3Y13.25%

EPS 5Y7.49%

EPS Q2Q%8.85%

EPS Next Y8.7%

EPS Next 2Y6.12%

EPS Next 3Y7.5%

EPS Next 5YN/A

Revenue 1Y (TTM)1.58%

Revenue growth 3Y5.41%

Revenue growth 5Y1.78%

Sales Q2Q%3.78%

Revenue Next Year3.45%

Revenue Next 2Y1.88%

Revenue Next 3Y1.76%

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 1Y31.07%

FCF growth 3Y1.16%

FCF growth 5Y1.46%

OCF growth 1Y27.49%

OCF growth 3Y1.84%

OCF growth 5Y1.24%

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

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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