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 393 industry peers in the Banks industry. NTB has an average financial health and profitability rating. NTB may be a bit undervalued, certainly considering the very reasonable score on growth 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.

In the past year NTB had a positive cash flow from operations.

In the past 5 years NTB has always been profitable.

Each year in the past 5 years NTB had a positive operating cash flow.

1.2 Ratios

With an excellent Return On Assets value of 1.55%, NTB belongs to the best of the industry, outperforming 90.84% of the companies in the same industry.

NTB's Return On Equity of 20.52% is amongst the best of the industry. NTB outperforms 98.22% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.55%
ROE	20.52%
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

Looking at the Profit Margin, with a value of 37.16%, NTB belongs to the top of the industry, outperforming 94.15% of the companies in the same industry.

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 Rank	Sector Rank
OM	N/A
PM (TTM)	37.16%
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.

NTB has less shares outstanding than it did 1 year ago.

The number of shares outstanding for NTB has been reduced compared to 5 years ago.

The debt/assets ratio for NTB is higher compared to a year ago.

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 Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Altman-Z	N/A

ROIC/WACCN/A

WACC17.12%

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

The Earnings Per Share has grown by an nice 15.28% over the past year.

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

Looking at the last year, NTB shows a small growth in Revenue. The Revenue has grown by 2.78% in the last 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)15.28%

EPS 3Y13.25%

EPS 5Y7.49%

EPS Q2Q%14.68%

Revenue 1Y (TTM)2.78%

Revenue growth 3Y5.41%

Revenue growth 5Y1.78%

Sales Q2Q%2.52%

3.2 Future

Based on estimates for the next years, NTB will show a small growth in Earnings Per Share. The EPS will grow by 7.28% on average per year.

The Revenue is expected to grow by 1.45% on average over the next years.

EPS Next Y10.58%

EPS Next 2Y5.61%

EPS Next 3Y7.28%

EPS Next 5YN/A

Revenue Next Year3.66%

Revenue Next 2Y1.41%

Revenue Next 3Y1.45%

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.

The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 9.09 indicates a reasonable valuation of NTB.

Compared to the rest of the industry, the Price/Earnings ratio of NTB indicates a rather cheap valuation: NTB is cheaper than 89.31% of the companies listed in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 27.17, NTB is valued rather cheaply.

NTB is valuated reasonably with a Price/Forward Earnings ratio of 8.60.

Based on the Price/Forward Earnings ratio, NTB is valued cheaply inside the industry as 80.41% of the companies are valued more expensively.

NTB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.78.

		Industry Rank	Sector Rank
PE	9.09
Fwd PE	8.6

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, NTB is valued cheaply inside the industry as 87.53% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	6.95
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)0.86

PEG (5Y)1.21

EPS Next 2Y5.61%

EPS Next 3Y7.28%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.53%, NTB is a good candidate for dividend investing.

NTB's Dividend Yield is rather good when compared to the industry average which is at 3.30. NTB pays more dividend than 83.97% of the companies in the same industry.

Compared to an average S&P500 Dividend Yield of 2.34, NTB pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.53%

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.

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

34.68% 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.

DP34.68%

EPS Next 2Y5.61%

EPS Next 3Y7.28%

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BANK OF N.T. BUTTERFIELD&SON

NYSE:NTB (8/29/2025, 1:31:05 PM)

45.29

+0.33 (+0.73%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-28 2025-07-28/amc

Earnings (Next)10-20 2025-10-20/amc

Inst Owners70.87%

Inst Owner Change1.95%

Ins Owners1.22%

Ins Owner ChangeN/A

Market Cap1.97B

Analysts77.5

Price Target52.53 (15.99%)

Short Float %0.5%

Short Ratio1.25

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.53%

Yearly Dividend1.75

Dividend Growth(5Y)0.17%

DP34.68%

Div Incr Years0

Div Non Decr Years8

Ex-Date08-11 2025-08-11 (0.5)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)5.07%

Min EPS beat(2)-0.79%

Max EPS beat(2)10.94%

EPS beat(4)3

Avg EPS beat(4)6.07%

Min EPS beat(4)-0.79%

Max EPS beat(4)13.4%

EPS beat(8)5

Avg EPS beat(8)3.51%

EPS beat(12)9

Avg EPS beat(12)4.06%

EPS beat(16)12

Avg EPS beat(16)4.21%

Revenue beat(2)1

Avg Revenue beat(2)1.41%

Min Revenue beat(2)-1.4%

Max Revenue beat(2)4.21%

Revenue beat(4)2

Avg Revenue beat(4)1.82%

Min Revenue beat(4)-1.4%

Max Revenue beat(4)5.3%

Revenue beat(8)5

Avg Revenue beat(8)1.34%

Revenue beat(12)7

Avg Revenue beat(12)0.87%

Revenue beat(16)10

Avg Revenue beat(16)0.78%

PT rev (1m)2.49%

PT rev (3m)11.96%

EPS NQ rev (1m)0.77%

EPS NQ rev (3m)16%

EPS NY rev (1m)1.72%

EPS NY rev (3m)1.72%

Revenue NQ rev (1m)-0.36%

Revenue NQ rev (3m)3.69%

Revenue NY rev (1m)0.2%

Revenue NY rev (3m)0.2%

Valuation

		Industry Rank	Sector Rank
PE	9.09
Fwd PE	8.6
P/S	3.34
P/FCF	6.95
P/OCF	6.31
P/B	1.84
P/tB	2.02
EV/EBITDA	N/A

EPS(TTM)4.98

EY11%

EPS(NY)5.26

Fwd EY11.62%

FCF(TTM)6.51

FCFY14.38%

OCF(TTM)7.18

OCFY15.86%

SpS13.56

BVpS24.56

TBVpS22.44

PEG (NY)0.86

PEG (5Y)1.21

Profitability

		Industry Rank	Sector Rank
ROA	1.55%
ROE	20.52%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	37.16%
GM	N/A
FCFM	48.04%

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-Score9

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Debt/EBITDA	N/A
Cap/Depr	68.78%
Cap/Sales	4.94%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	129.26%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score9

WACC17.12%

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)15.28%

EPS 3Y13.25%

EPS 5Y7.49%

EPS Q2Q%14.68%

EPS Next Y10.58%

EPS Next 2Y5.61%

EPS Next 3Y7.28%

EPS Next 5YN/A

Revenue 1Y (TTM)2.78%

Revenue growth 3Y5.41%

Revenue growth 5Y1.78%

Sales Q2Q%2.52%

Revenue Next Year3.66%

Revenue Next 2Y1.41%

Revenue Next 3Y1.45%

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 1Y17.23%

FCF growth 3Y1.16%

FCF growth 5Y1.46%

OCF growth 1Y15.57%

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

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens