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

NYSE:NTB • BMG0772R2087

Current stock price

55.75 USD
-0.53 (-0.94%)
Last:

This NTB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. NTB Profitability Analysis

1.1 Basic Checks

  • NTB had positive earnings in the past year.
  • NTB had a positive operating cash flow in the past year.
  • In the past 5 years NTB has always been profitable.
  • In the past 5 years NTB always reported a positive cash flow from operatings.
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 2025 100M 200M 300M

1.2 Ratios

  • The Return On Assets of NTB (1.65%) is better than 91.76% of its industry peers.
  • The Return On Equity of NTB (20.31%) is better than 97.87% of its industry peers.
Industry RankSector Rank
ROA 1.65%
ROE 20.31%
ROIC N/A
ROA(3y)1.62%
ROA(5y)1.48%
ROE(3y)21.32%
ROE(5y)21.07%
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 2025 5 10 15 20

1.3 Margins

  • The Profit Margin of NTB (38.21%) is better than 93.09% of its industry peers.
  • In the last couple of years the Profit Margin of NTB has grown nicely.
  • 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) 38.21%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-0.5%
PM growth 5Y5.47%
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 2025 10 20 30

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5

2. NTB Health Analysis

2.1 Basic Checks

  • NTB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • NTB has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, NTB has less shares outstanding
  • NTB has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
NTB Yearly Shares OutstandingNTB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 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
WACC15.42%
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 2025 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 2025 50M 100M 150M 200M 250M

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

4

3. NTB Growth Analysis

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.
  • NTB shows a small growth in Revenue. In the last year, the Revenue has grown by 4.37%.
  • Measured over the past years, NTB shows a small growth in Revenue. The Revenue has been growing by 3.84% on average per year.
EPS 1Y (TTM)16.1%
EPS 3Y8.5%
EPS 5Y13.65%
EPS Q2Q%14.93%
Revenue 1Y (TTM)4.37%
Revenue growth 3Y3.24%
Revenue growth 5Y3.84%
Sales Q2Q%4.88%

3.2 Future

  • Based on estimates for the next years, NTB will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.63% on average per year.
  • The Revenue is expected to grow by 1.97% on average over the next years.
EPS Next Y9.54%
EPS Next 2Y9.48%
EPS Next 3Y9.63%
EPS Next 5YN/A
Revenue Next Year0.7%
Revenue Next 2Y2.41%
Revenue Next 3Y1.97%
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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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 2028 2 4 6

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6

4. NTB Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 10.17, the valuation of NTB can be described as very reasonable.
  • Based on the Price/Earnings ratio, NTB is valued a bit cheaper than the industry average as 76.60% of the companies are valued more expensively.
  • NTB is valuated cheaply when we compare the Price/Earnings ratio to 27.47, which is the current average of the S&P500 Index.
  • NTB is valuated reasonably with a Price/Forward Earnings ratio of 9.29.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of NTB indicates a somewhat cheap valuation: NTB is cheaper than 66.22% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.62, NTB is valued rather cheaply.
Industry RankSector Rank
PE 10.17
Fwd PE 9.29
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

  • NTB's Price/Free Cash Flow ratio is rather cheap when compared to the industry. NTB is cheaper than 80.05% of the companies in the same industry.
Industry RankSector Rank
P/FCF 8.74
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 PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.07
PEG (5Y)0.75
EPS Next 2Y9.48%
EPS Next 3Y9.63%

More info and screens

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

7

5. NTB Dividend Analysis

5.1 Amount

  • NTB has a Yearly Dividend Yield of 3.57%.
  • Compared to an average industry Dividend Yield of 2.57, NTB pays a bit more dividend than its industry peers.
  • NTB's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 3.57%

5.2 History

  • The dividend of NTB has a limited annual growth rate of 1.53%.
  • 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)1.53%
Div Incr Years1
Div Non Decr Years9
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

  • 33.51% 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.
DP33.51%
EPS Next 2Y9.48%
EPS Next 3Y9.63%
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 2025 50M 100M 150M 200M 250M
NTB Dividend Payout.NTB Dividend Payout, showing the Payout Ratio.NTB Dividend Payout.PayoutRetained Earnings

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NTB Fundamentals: All Metrics, Ratios and Statistics

BANK OF N.T. BUTTERFIELD&SON

NYSE:NTB (4/24/2026, 3:31:05 PM)

55.75

-0.53 (-0.94%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-09
Earnings (Next)04-28
Inst Owners74.59%
Inst Owner Change-0.01%
Ins Owners1.48%
Ins Owner Change0%
Market Cap2.23B
Revenue(TTM)607.01M
Net Income(TTM)231.94M
Analysts74.29
Price Target58.48 (4.9%)
Short Float %1.28%
Short Ratio2.99
Dividend
Industry RankSector Rank
Dividend Yield 3.57%
Yearly Dividend1.86
Dividend Growth(5Y)1.53%
DP33.51%
Div Incr Years1
Div Non Decr Years9
Ex-Date02-23
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)7.23%
Min EPS beat(2)3.96%
Max EPS beat(2)10.49%
EPS beat(4)3
Avg EPS beat(4)6.15%
Min EPS beat(4)-0.79%
Max EPS beat(4)10.94%
EPS beat(8)7
Avg EPS beat(8)7.12%
EPS beat(12)9
Avg EPS beat(12)4.35%
EPS beat(16)13
Avg EPS beat(16)5.02%
Revenue beat(2)2
Avg Revenue beat(2)2.59%
Min Revenue beat(2)2.55%
Max Revenue beat(2)2.63%
Revenue beat(4)3
Avg Revenue beat(4)2%
Min Revenue beat(4)-1.4%
Max Revenue beat(4)4.21%
Revenue beat(8)6
Avg Revenue beat(8)2.06%
Revenue beat(12)8
Avg Revenue beat(12)1.06%
Revenue beat(16)11
Avg Revenue beat(16)1.11%
PT rev (1m)0%
PT rev (3m)13.16%
EPS NQ rev (1m)0%
EPS NQ rev (3m)8.19%
EPS NY rev (1m)0.28%
EPS NY rev (3m)8.51%
Revenue NQ rev (1m)-0.17%
Revenue NQ rev (3m)2.52%
Revenue NY rev (1m)-0.04%
Revenue NY rev (3m)1.58%
Valuation
Industry RankSector Rank
PE 10.17
Fwd PE 9.29
P/S 3.67
P/FCF 8.74
P/OCF 7.97
P/B 1.95
P/tB 2.11
EV/EBITDA N/A
EPS(TTM)5.48
EY9.83%
EPS(NY)6
Fwd EY10.77%
FCF(TTM)6.38
FCFY11.44%
OCF(TTM)7
OCFY12.55%
SpS15.19
BVpS28.58
TBVpS26.41
PEG (NY)1.07
PEG (5Y)0.75
Graham Number59.3646 (6.48%)
Profitability
Industry RankSector Rank
ROA 1.65%
ROE 20.31%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 38.21%
GM N/A
FCFM 41.98%
ROA(3y)1.62%
ROA(5y)1.48%
ROE(3y)21.32%
ROE(5y)21.07%
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 3Y-0.5%
PM growth 5Y5.47%
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 67.22%
Cap/Sales 4.08%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 109.86%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC15.42%
ROIC/WACCN/A
Cap/Depr(3y)89.39%
Cap/Depr(5y)71.53%
Cap/Sales(3y)5.7%
Cap/Sales(5y)5.03%
Profit Quality(3y)110.57%
Profit Quality(5y)113.29%
High Growth Momentum
Growth
EPS 1Y (TTM)16.1%
EPS 3Y8.5%
EPS 5Y13.65%
EPS Q2Q%14.93%
EPS Next Y9.54%
EPS Next 2Y9.48%
EPS Next 3Y9.63%
EPS Next 5YN/A
Revenue 1Y (TTM)4.37%
Revenue growth 3Y3.24%
Revenue growth 5Y3.84%
Sales Q2Q%4.88%
Revenue Next Year0.7%
Revenue Next 2Y2.41%
Revenue Next 3Y1.97%
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 1Y4.47%
FCF growth 3Y9.82%
FCF growth 5Y8.74%
OCF growth 1Y5.32%
OCF growth 3Y8.43%
OCF growth 5Y8.24%

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

What is the fundamental rating for NTB stock?

ChartMill assigns a fundamental rating of 5 / 10 to NTB.


What is the valuation status of BANK OF N.T. BUTTERFIELD&SON (NTB) stock?

ChartMill assigns a valuation rating of 6 / 10 to BANK OF N.T. BUTTERFIELD&SON (NTB). This can be considered as Fairly Valued.


Can you provide the profitability details for BANK OF N.T. BUTTERFIELD&SON?

BANK OF N.T. BUTTERFIELD&SON (NTB) has a profitability rating of 5 / 10.


What are the PE and PB ratios of BANK OF N.T. BUTTERFIELD&SON (NTB) stock?

The Price/Earnings (PE) ratio for BANK OF N.T. BUTTERFIELD&SON (NTB) is 10.17 and the Price/Book (PB) ratio is 1.95.


How sustainable is the dividend of BANK OF N.T. BUTTERFIELD&SON (NTB) stock?

The dividend rating of BANK OF N.T. BUTTERFIELD&SON (NTB) is 7 / 10 and the dividend payout ratio is 33.51%.