
The Bank of N.T. Butterfield & Son Limited
NTBNYSEFinancial ServicesBanks - Regional
Previous close
$58.61
−$0.05 · -0.09%
NTB company overview
Regular session · ET · Market data may be delayed.
GoAI snapshot
AI-powered factor overview
GoAI score
Hold
Wait — insufficient conviction to act
Valuation
58
Fair Value
Momentum
51
Neutral
Sentiment
61
Bullish
Risk resilience
83
Low Risk
Full GoAI research
Thesis, catalysts, evidence, and risk analysis.
AI-generated, informational only, and not investment advice.
Company profile
Company websiteThe 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 / TTMValuation & 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.
Income trends
Revenue
Operating income
Net income
| Metric (USD) | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 799.84M USD | 816.5M USD | 761.89M USD | 606.42M USD | 521.55M USD |
| Cost of goods sold | 193.25M USD | 236.18M USD | 183.12M USD | 57.2M USD | 21.96M USD |
| Gross profit | 606.7M USD | 580.32M USD | 578.77M USD | 549.23M USD | 499.59M USD |
| Selling, general, and administrative | 192.34M USD | 183.75M USD | 188.1M USD | 176.75M USD | 169.78M USD |
| Operating expenses | 368.83M USD | 359.47M USD | 352.51M USD | 331.52M USD | 333.8M USD |
| Interest income | 557.11M USD | 585.72M USD | 545.63M USD | 398.38M USD | 324.9M USD |
| Interest expense | 193.03M USD | 234.51M USD | 178.67M USD | 54.8M USD | 25.09M USD |
| Depreciation and amortization | 28.82M USD | 42.16M USD | 36.21M USD | 40.18M USD | 69.46M USD |
| Operating income | 238M USD | 220.85M USD | 226.26M USD | 217.7M USD | 165.79M USD |
| Net income | 231.9M USD | 216.32M USD | 225.49M USD | 214.02M USD | 162.67M 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
Annual revenue trend
Reported history and fiscal-year consensus
Analyst ratings
Third-party consensus; not a GoAI recommendation.
Rating distribution
7 ratingsNTB 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
$1.76
2,021
$1.76
2,022
$1.76
2,023
$1.76
2,024
$1.88
2,025
$1.50
2,026*
* Partial calendar year in the available dividend history.
Corporate action history
| Action | Ex-dividend date | Details | Record date | Payment date |
|---|---|---|---|---|
Dividend | Aug 12, 2026 | $0.50Quarterly | Aug 12, 2026 | Aug 26, 2026 |
Dividend | May 13, 2026 | $0.50Quarterly | May 13, 2026 | May 26, 2026 |
Dividend | Feb 23, 2026 | $0.50Quarterly | Feb 23, 2026 | Mar 9, 2026 |
Dividend | Nov 10, 2025 | $0.50Quarterly | Nov 11, 2025 | Nov 25, 2025 |
Dividend | Aug 11, 2025 | $0.50Quarterly | Aug 11, 2025 | Aug 25, 2025 |
Dividend | May 7, 2025 | $0.44Quarterly | May 7, 2025 | May 21, 2025 |
Ex-dividend Aug 12, 2026
$0.50
Quarterly
Record Aug 12, 2026 · Payment Aug 26, 2026
Ex-dividend May 13, 2026
$0.50
Quarterly
Record May 13, 2026 · Payment May 26, 2026
Ex-dividend Feb 23, 2026
$0.50
Quarterly
Record Feb 23, 2026 · Payment Mar 9, 2026
Ex-dividend Nov 10, 2025
$0.50
Quarterly
Record Nov 11, 2025 · Payment Nov 25, 2025
Ex-dividend Aug 11, 2025
$0.50
Quarterly
Record Aug 11, 2025 · Payment Aug 25, 2025
Ex-dividend May 7, 2025
$0.44
Quarterly
Record May 7, 2025 · Payment May 21, 2025
NTB peers
ETFs holding NTB
Funds reporting this stock among their holdings, ordered by reported position size.
Avantis U.S. Small Cap Value ETFAVUV87.12M0.28%31.27B USD0.25%$126.45+0.66%
iShares Russell 2000 ETFIWM61.05M0.08%81.62B USD0.19%$299.96+0.77%
iShares Russell 2000 Value ETFIWN17.42M0.12%14.66B USD0.24%$224.81+0.45%
Davis Select International ETFDINT13.94M5.24%292.47M USD0.66%$30.38+1.10%
Vanguard Russell 2000 ETFVTWO13.92M0.08%17.4B USD0.06%$121.25+0.74%
Dimensional - US Targeted Value ETFDFAT13.21M0.09%14.66B USD0.28%$71.67+0.67%
U.S. Micro Cap Portfolio ETFDFMC9.96M0.12%8.06B USD0.43%$60.95+0.73%
Vanguard High Dividend Yield ETFVYM9.75M0.01%99.2B USD0.04%$164.97+0.59%
Avantis U.S. Small Cap Value ETFAVUV- Market value
- 87.12M
- Weight
- 0.28%
- AUM
- 31.27B USD
- Expense ratio
- 0.25%
- Price / 1D
- $126.45+0.66%
iShares Russell 2000 ETFIWM- Market value
- 61.05M
- Weight
- 0.08%
- AUM
- 81.62B USD
- Expense ratio
- 0.19%
- Price / 1D
- $299.96+0.77%
iShares Russell 2000 Value ETFIWN- Market value
- 17.42M
- Weight
- 0.12%
- AUM
- 14.66B USD
- Expense ratio
- 0.24%
- Price / 1D
- $224.81+0.45%
Davis Select International ETFDINT- Market value
- 13.94M
- Weight
- 5.24%
- AUM
- 292.47M USD
- Expense ratio
- 0.66%
- Price / 1D
- $30.38+1.10%
Vanguard Russell 2000 ETFVTWO- Market value
- 13.92M
- Weight
- 0.08%
- AUM
- 17.4B USD
- Expense ratio
- 0.06%
- Price / 1D
- $121.25+0.74%
Dimensional - US Targeted Value ETFDFAT- Market value
- 13.21M
- Weight
- 0.09%
- AUM
- 14.66B USD
- Expense ratio
- 0.28%
- Price / 1D
- $71.67+0.67%
U.S. Micro Cap Portfolio ETFDFMC- Market value
- 9.96M
- Weight
- 0.12%
- AUM
- 8.06B USD
- Expense ratio
- 0.43%
- Price / 1D
- $60.95+0.73%
Vanguard High Dividend Yield ETFVYM- Market value
- 9.75M
- Weight
- 0.01%
- AUM
- 99.2B USD
- Expense ratio
- 0.04%
- Price / 1D
- $164.97+0.59%
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