The Bank of N.T. Butterfield & Son Limited logo

The Bank of N.T. Butterfield & Son Limited

NTB

NYSEFinancial ServicesBanks - Regional

Previous close

$58.61

−$0.05 · -0.09%

Aug 21, 4:00 PM ET

NTB company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

58

Fair Value

Momentum

51

Neutral

Sentiment

61

Bullish

Risk resilience

83

Low Risk

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Company profile

Company website

The Bank of N.T. Butterfield & Son Limited provides a range of community, commercial, and private banking services to individuals and small to medium-sized businesses. The company offers retail and corporate checking, savings, and term deposits. It also provides lending products and services, including residential mortgage lending, automobile lending, credit cards, consumer financing, overdraft facilities to retail customers, commercial real estate lending, and commercial and industrial loans. In addition, the company offers cash and liquidity management, foreign exchange, custody administration, and settlement services. Further, it provides personal and business deposit services, residential and commercial mortgages, small and medium-sized enterprise and corporate loans, credit and debit cards, merchant acquiring, and mobile and internet banking services; and treasury services, wealth management, and fiduciary services. Additionally, the company offers discretionary investment management, managed portfolio services, money market, and mutual fund offerings, as well as advisory and self-directed brokerage options. It operates through offices in the Cayman Islands, Guernsey, Jersey, the United Kingdom, The Bahamas, Hong Kong, Switzerland, Singapore, Mauritius, and Canada, as well as Bermuda. The Bank of N.T. Butterfield & Son Limited was founded in 1784 and is headquartered in Hamilton, Bermuda.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
BM
CEO
Michael Collins
Listed since
Sep 16, 2016
Employees
1,299

Market position

Day range

Current $58.61

52-week range

Current $58.61

Open
$59.07
Previous close
$58.66
Volume
91.7K
0.48× average
Average volume
192.29K
Average daily volume
Market cap
2.32B USD
Beta
0.5
Market reference 1
50-day average
$60.6184
-3.31% below average
200-day average
$54.1536
+8.23% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
507.55M USD
P/E (TTM)
10.11×
P/B (TTM)
2.01×
P/S (TTM)
3.23×
EV / EBITDA
1.9×
Earnings yield
11.18%
Free cash flow yield
12.28%
Dividend yield
3.41%

Profitability & efficiency

Gross margin
86.90%
Operating margin
33.50%
Net margin
32.58%
Return on equity
20.31%
Return on assets
1.65%
Return on invested capital
1.65%

Financial health

Debt / equity
0.03×
Current ratio
516.92×
Altman Z-score
0.93
Piotroski F-score
6 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends103%75%47%20%Gross margin, FY2021: 95.79%Gross margin, FY2022: 90.57%Gross margin, FY2023: 75.96%Gross margin, FY2024: 71.07%Gross margin, FY2025: 75.85%Operating margin, FY2021: 31.79%Operating margin, FY2022: 35.90%Operating margin, FY2023: 29.70%Operating margin, FY2024: 27.05%Operating margin, FY2025: 29.76%Net margin, FY2021: 31.19%Net margin, FY2022: 35.29%Net margin, FY2023: 29.60%Net margin, FY2024: 26.49%Net margin, FY2025: 28.99%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 95.79%. Gross margin FY2022 90.57%. Gross margin FY2023 75.96%. Gross margin FY2024 71.07%. Gross margin FY2025 75.85%. Operating margin FY2021 31.79%. Operating margin FY2022 35.90%. Operating margin FY2023 29.70%. Operating margin FY2024 27.05%. Operating margin FY2025 29.76%. Net margin FY2021 31.19%. Net margin FY2022 35.29%. Net margin FY2023 29.60%. Net margin FY2024 26.49%. Net margin FY2025 28.99%.

Income trends

Revenue

799.84M USD-2.04%

Operating income

238M USD+7.77%

Net income

231.9M USD+7.20%
Income trends across reported periods881.88M USD620.35M USD358.82M USD97.29M USDRevenue, FY2021: 521.55M USDRevenue, FY2022: 606.42M USDRevenue, FY2023: 761.89M USDRevenue, FY2024: 816.5M USDRevenue, FY2025: 799.84M USDOperating income, FY2021: 165.79M USDOperating income, FY2022: 217.7M USDOperating income, FY2023: 226.26M USDOperating income, FY2024: 220.85M USDOperating income, FY2025: 238M USDNet income, FY2021: 162.67M USDNet income, FY2022: 214.02M USDNet income, FY2023: 225.49M USDNet income, FY2024: 216.32M USDNet income, FY2025: 231.9M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 521.55M USD. Revenue FY2022 606.42M USD. Revenue FY2023 761.89M USD. Revenue FY2024 816.5M USD. Revenue FY2025 799.84M USD. Operating income FY2021 165.79M USD. Operating income FY2022 217.7M USD. Operating income FY2023 226.26M USD. Operating income FY2024 220.85M USD. Operating income FY2025 238M USD. Net income FY2021 162.67M USD. Net income FY2022 214.02M USD. Net income FY2023 225.49M USD. Net income FY2024 216.32M USD. Net income FY2025 231.9M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue799.84M USD816.5M USD761.89M USD606.42M USD521.55M USD
Cost of goods sold193.25M USD236.18M USD183.12M USD57.2M USD21.96M USD
Gross profit606.7M USD580.32M USD578.77M USD549.23M USD499.59M USD
Selling, general, and administrative192.34M USD183.75M USD188.1M USD176.75M USD169.78M USD
Operating expenses368.83M USD359.47M USD352.51M USD331.52M USD333.8M USD
Interest income557.11M USD585.72M USD545.63M USD398.38M USD324.9M USD
Interest expense193.03M USD234.51M USD178.67M USD54.8M USD25.09M USD
Depreciation and amortization28.82M USD42.16M USD36.21M USD40.18M USD69.46M USD
Operating income238M USD220.85M USD226.26M USD217.7M USD165.79M USD
Net income231.9M USD216.32M USD225.49M USD214.02M USD162.67M USD

Company facts updated Aug 24, 2026.

Earnings

Latest fiscal-year EPS
5.47
FY2025 · +16.14% year over year
Latest fiscal-year revenue
799.84M USD
FY2025 · -2.04% year over year
Next fiscal-year EPS consensus
6.01
FY2026 · 2 analysts
Next fiscal-year revenue consensus
638.83M USD
FY2026 · 2 analysts

Annual EPS trend

Reported history and fiscal-year consensus

ReportedConsensus forecast
Annual EPS trend6.315.24.092.98FY21FY22FY23FY24FY25FY26FY27

Annual revenue trend

Reported history and fiscal-year consensus

ReportedConsensus forecast
Annual revenue trend1.27B998.26M725.85M453.45MFY21FY22FY23FY24FY25FY26FY27

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Rating distribution

7 ratings
Strong buy00%
Buy343%
Hold457%
Sell00%
Strong sell00%

NTB news

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$1.88

2025 complete year+6.8% since 2021

2026 partial: $1.50

* Partial calendar year in the available dividend history.

Corporate action history

Dividend

Ex-dividend Aug 12, 2026

$0.50

Quarterly

Record Aug 12, 2026 · Payment Aug 26, 2026

Dividend

Ex-dividend May 13, 2026

$0.50

Quarterly

Record May 13, 2026 · Payment May 26, 2026

Dividend

Ex-dividend Feb 23, 2026

$0.50

Quarterly

Record Feb 23, 2026 · Payment Mar 9, 2026

Dividend

Ex-dividend Nov 10, 2025

$0.50

Quarterly

Record Nov 11, 2025 · Payment Nov 25, 2025

Dividend

Ex-dividend Aug 11, 2025

$0.50

Quarterly

Record Aug 11, 2025 · Payment Aug 25, 2025

Dividend

Ex-dividend May 7, 2025

$0.44

Quarterly

Record May 7, 2025 · Payment May 21, 2025

NTB peers

ETFs holding NTB

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