NTB Stock - The Bank of N.T. Butterfield & Son Limited
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Financial Statements
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $816.50M | $761.89M | $606.42M | $521.55M | $502.07M |
| Gross Profit | $580.32M | $578.77M | $549.23M | $499.59M | $502.07M |
| Gross Margin | 71.1% | 76.0% | 90.6% | 95.8% | 100.0% |
| Operating Income | $220.80M | $226.26M | $217.70M | $165.79M | N/A |
| Net Income | $216.30M | $225.49M | $214.02M | $162.67M | $147.22M |
| Net Margin | 26.5% | 29.6% | 35.3% | 31.2% | 29.3% |
| EPS | $4.80 | $4.62 | $4.32 | $3.28 | $2.91 |
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. It accepts retail and corporate checking, savings, term, and interest bearing and non-interest bearing deposits, as well as certificate of deposits. The company's lending portfolio includes residential mortgage lending, automobile lending, consumer financing, credit cards, overdraft facilities, commercial real estate lending, and commercial and industrial loans. It also offers investment products and services; and cash and liquidity management, foreign exchange, custody administration, and settlement services. In addition, the company provides personal and property/auto insurance products; letters of credit; and cash management, payroll, remote banking, money market, advisory, brokerage, trust, estate, company management, and fiduciary services. Further, it offers debit cards; automated teller machines; and personal and business deposit, merchant acquiring, and mobile and internet banking services. The company operates through offices in the Cayman Islands, Guernsey, Jersey, the United Kingdom, The Bahamas, Switzerland, Singapore, Mauritius, and Canada. It also operates through 3 branches in Bermuda and 4 branches in the Cayman Islands. The Bank of N.T. Butterfield & Son Limited was founded in 1858 and is headquartered in Hamilton, Bermuda.
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Price Targets
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| September 29th 2025 | Wells Fargo | Downgrade | Equal Weight | $50 |
| October 2nd 2024 | Keefe Bruyette | Downgrade | Market Perform | $41← $44 |
| July 7th 2022 | Wells Fargo | Upgrade | Overweight | $38 |
Earnings History & Surprises
NTBEPS Surprise History
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | Apr 21, 2026 | — | — | — | — |
Q1 2026 | Feb 9, 2026 | $1.46 | — | — | — |
Q4 2025 | Oct 28, 2025 | $1.30 | $1.51 | +16.2% | ✓ BEAT |
Q3 2025 | Jul 28, 2025 | $1.15 | $1.26 | +9.6% | ✓ BEAT |
Q2 2025 | Apr 23, 2025 | $1.03 | $1.30 | +26.2% | ✓ BEAT |
Q1 2025 | Feb 10, 2025 | $1.17 | $1.34 | +14.5% | ✓ BEAT |
Q4 2024 | Oct 22, 2024 | $1.14 | $1.16 | +1.8% | ✓ BEAT |
Q3 2024 | Jul 22, 2024 | $1.05 | $1.09 | +3.8% | ✓ BEAT |
Q2 2024 | Apr 23, 2024 | $0.97 | $1.13 | +16.5% | ✓ BEAT |
Q1 2024 | Feb 12, 2024 | $1.11 | $1.11 | 0.0% | = MET |
Q4 2023 | Oct 24, 2023 | $1.13 | $0.99 | -12.4% | ✗ MISS |
Q3 2023 | Jul 31, 2023 | $1.16 | $1.22 | +5.2% | ✓ BEAT |
Q2 2023 | Apr 24, 2023 | $1.16 | $1.24 | +6.9% | ✓ BEAT |
Q1 2023 | Feb 13, 2023 | $1.15 | $1.26 | +9.6% | ✓ BEAT |
Q4 2022 | Oct 31, 2022 | $1.11 | $1.15 | +3.6% | ✓ BEAT |
Q3 2022 | Jul 25, 2022 | $0.93 | $0.99 | +6.5% | ✓ BEAT |
Q2 2022 | May 2, 2022 | $0.79 | $0.89 | +12.7% | ✓ BEAT |
Q1 2022 | Feb 14, 2022 | $0.81 | $0.84 | +3.7% | ✓ BEAT |
Q4 2021 | Oct 27, 2021 | $0.80 | $0.80 | 0.0% | = MET |
Q3 2021 | Jul 26, 2021 | $0.81 | $0.78 | -3.7% | ✗ MISS |
Latest News
Keefe, Bruyette & Woods Maintains Market Perform on Bank of N.T Butterfield, Raises Price Target to $52
➖ NeutralBank of N.T Butterfield Q3 Adj. EPS $1.51 Beats $1.31 Estimate, Sales $153.300M Beat $148.010M Estimate
📈 PositiveWells Fargo Downgrades Bank of N.T Butterfield to Equal-Weight, Lowers Price Target to $50
📉 NegativeButterfield Appoints Michael Schrum As CFO
➖ NeutralFrequently Asked Questions about NTB
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