BANK OF N.T. BUTTERFIELD&SON (NTB) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:NTB - BMG0772R2087 - Common Stock
50 USD
-0.27 (-0.54%)
50 USD
0 (0%)
Overall NTB gets a fundamental rating of 5 out of 10. We evaluated NTB against 383 industry peers in the Banks industry. NTB has an average financial health and profitability rating. NTB is not valued too expensively and it also shows a decent growth rate. Finally NTB also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- NTB had positive earnings in the past year.
- In the past year NTB had a positive cash flow from operations.
- NTB had positive earnings in each of the past 5 years.
- In the past 5 years NTB always reported a positive cash flow from operatings.
1.2 Ratios
- With an excellent Return On Assets value of 1.62%, NTB belongs to the best of the industry, outperforming 91.12% of the companies in the same industry.
- NTB has a better Return On Equity (20.59%) than 98.43% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
- The Profit Margin of NTB (37.95%) is better than 93.99% of its industry peers.
- NTB's Profit Margin has improved in the last couple of years.
- 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) | 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
2. Health
2.1 Basic Checks
- NTB does not have a ROIC to compare to the WACC, probably because it is not profitable.
- Compared to 1 year ago, NTB has less shares outstanding
- The number of shares outstanding for NTB has been reduced compared to 5 years ago.
- NTB has a worse debt/assets ratio than last year.
2.2 Solvency
- 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.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.34%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- NTB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.59%, 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.
- NTB shows a small growth in Revenue. In the last year, the Revenue has grown by 4.15%.
- Measured over the past years, NTB shows a small growth in Revenue. The Revenue has been growing by 1.78% on average per year.
EPS 1Y (TTM)17.59%
EPS 3Y13.25%
EPS 5Y7.49%
EPS Q2Q%25.86%
Revenue 1Y (TTM)4.15%
Revenue growth 3Y5.41%
Revenue growth 5Y1.78%
Sales Q2Q%7.43%
3.2 Future
- NTB is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.07% yearly.
- NTB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.70% yearly.
EPS Next Y15.5%
EPS Next 2Y8.26%
EPS Next 3Y9.07%
EPS Next 5YN/A
Revenue Next Year5.15%
Revenue Next 2Y2.09%
Revenue Next 3Y2.7%
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 accelerating.
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 9.47, the valuation of NTB can be described as reasonable.
- Compared to the rest of the industry, the Price/Earnings ratio of NTB indicates a rather cheap valuation: NTB is cheaper than 87.73% of the companies listed in the same industry.
- NTB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.38.
- NTB is valuated reasonably with a Price/Forward Earnings ratio of 9.04.
- 78.33% of the companies in the same industry are more expensive than NTB, based on the Price/Forward Earnings ratio.
- When comparing the Price/Forward Earnings ratio of NTB to the average of the S&P500 Index (24.29), we can say NTB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.47 | ||
| Fwd PE | 9.04 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, NTB is valued a bit cheaper than the industry average as 68.93% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.71 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- NTB's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.61
PEG (5Y)1.27
EPS Next 2Y8.26%
EPS Next 3Y9.07%
5. Dividend
5.1 Amount
- NTB has a Yearly Dividend Yield of 3.98%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 2.87, 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 Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.98% |
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.
- As NTB did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)0.17%
Div Incr Years0
Div Non Decr Years8
5.3 Sustainability
- 33.73% of the earnings are spent on dividend by NTB. This is a low number and sustainable payout ratio.
- The dividend of NTB is growing, but earnings are growing more, so the dividend growth is sustainable.
DP33.73%
EPS Next 2Y8.26%
EPS Next 3Y9.07%
50
-0.27 (-0.54%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-28 2025-10-28/amc
Earnings (Next)02-09 2026-02-09/amc
Inst Owners69.9%
Inst Owner Change-0.77%
Ins Owners1.22%
Ins Owner ChangeN/A
Market Cap2.18B
Revenue(TTM)600.12M
Net Income(TTM)227.73M
Analysts75
Price Target51.68 (3.36%)
Short Float %0.79%
Short Ratio1.8
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.98% |
Yearly Dividend1.75
Dividend Growth(5Y)0.17%
DP33.73%
Div Incr Years0
Div Non Decr Years8
Ex-DateN/A
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)-1.62%
EPS NQ rev (1m)0.34%
EPS NQ rev (3m)6.89%
EPS NY rev (1m)0%
EPS NY rev (3m)4.74%
Revenue NQ rev (1m)0.3%
Revenue NQ rev (3m)2%
Revenue NY rev (1m)0.33%
Revenue NY rev (3m)1.44%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.47 | ||
| Fwd PE | 9.04 | ||
| P/S | 3.63 | ||
| P/FCF | 9.71 | ||
| P/OCF | 8.64 | ||
| P/B | 1.97 | ||
| P/tB | 2.14 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.28
EY10.56%
EPS(NY)5.53
Fwd EY11.06%
FCF(TTM)5.15
FCFY10.3%
OCF(TTM)5.79
OCFY11.57%
SpS13.78
BVpS25.4
TBVpS23.36
PEG (NY)0.61
PEG (5Y)1.27
Graham Number54.93
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC16.34%
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)17.59%
EPS 3Y13.25%
EPS 5Y7.49%
EPS Q2Q%25.86%
EPS Next Y15.5%
EPS Next 2Y8.26%
EPS Next 3Y9.07%
EPS Next 5YN/A
Revenue 1Y (TTM)4.15%
Revenue growth 3Y5.41%
Revenue growth 5Y1.78%
Sales Q2Q%7.43%
Revenue Next Year5.15%
Revenue Next 2Y2.09%
Revenue Next 3Y2.7%
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 5 / 10 to NTB.
Can you provide the valuation status for BANK OF N.T. BUTTERFIELD&SON?
ChartMill assigns a valuation rating of 6 / 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 5 / 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 9.47 and the Price/Book (PB) ratio is 1.97.
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.