Bank of N.T. Butterfield & Son Limited
NTB | NYSE
$58.87
-$0.28 (-0.47%)
Sep 22, 2026, 2:01 PM ET · Market open
Market Data
Market Cap $2.34B
Enterprise Value $-5.63B
Beta 0.49
Average Volume 194.86K
Shares Outstanding (Diluted) 40.45M
Shares Change YoY -5.17%
Institutional Ownership 73.14%
Exchange NYSE
ISIN BMG0772R2087
Price Performance
Price Change 1M 0.4%
Price Change 3M 0.4%
Price Change 6M 14.1%
Price Change YTD 19.0%
Price Change 1Y 32.5%
Price Change 3Y 114.3%
Price Change 5Y 77.0%
1M CAGR (ann.) -4.3%
1Y CAGR (ann.) 34.3%
5Y CAGR (ann.) 18.6%
All-Time CAGR 14.4%
Valuation
PE Ratio 10.40
Forward PE 9.22
PEG Ratio 0.73
Forward PEG -27.95
PS Ratio 3.26
Forward PS 2.00
PB Ratio 2.04
P/FCF Ratio 11.14
P/Adj. FCF Ratio 12.47
P/OCF Ratio 9.96
EV/Sales -7.82
EV/EBIT -23.35
EV/EBITDA -20.75
EV/FCF -26.77
Earnings Yield 9.6%
FCF Yield 9.0%
Adj. FCF Yield 8.0%
Financial Health
Net Cash $7.97B
Total Debt $0
Cash & Short-Term Investments $7.97B
Total Assets $14.35B
Current Ratio 1,518.86
Quick Ratio 1,518.86
Debt / Equity Ratio 0.03
Debt / EBITDA 0.00
Debt / FCF 0.00
OCF / Debt N/A
Interest Coverage 1.41
Altman Z-Score 0.93
Piotroski F-Score 6
Margins & Profitability
Gross Profit Margin 86.9%
Operating Profit Margin 33.5%
EBITDA Margin 38.8%
Net Profit Margin 32.6%
FCF Margin 29.2%
Adj. FCF Margin 26.1%
SBC / Revenue 3.1%
SBC Impact (per share) -10.7%
Returns
Return on Assets 1.6%
Return on Equity 20.7%
Return on Invested Capital 1.6%
Return on Capital Employed 1.7%
Return on Tangible Assets 1.6%
Historical Growth (CAGR)
Revenue CAGR 3Y 7.1%
Revenue CAGR 5Y 7.2%
Revenue CAGR 10Y 6.4%
EPS CAGR 3Y 5.3%
EPS CAGR 5Y 13.1%
EPS CAGR 10Y 15.6%
FCF CAGR 3Y -4.6%
FCF CAGR 5Y 0.5%
FCF CAGR 10Y 7.1%
Analyst Forecasts
Analyst Rating Hold
Analyst Count 7
EPS Growth Next 3Y N/A
Revenue Growth Next 3Y N/A
Earnings Date Oct 26, 2026
EPS Estimate (next Q) $1.55
EPS Growth Est (next Q) 2.6%
Revenue Est (next Q) $160.68M
Revenue Growth Est (next Q) 4.8%
Fair Value Estimates
Graham Number $61.07
Graham Upside 3.3%
Lynch Fair Value $74.71
Lynch Upside 26.3%
Price Target $61
Price Target Upside 3.1%
Cash Flow
Operating Cash Flow $234.04M
Free Cash Flow $210.24M
Adj. Free Cash Flow $187.83M
FCF Per Share $5.33
OCF Per Share $5.94
OCF/S Ratio 32.5%
Income Statement
Revenue $719.37M
Gross Profit $625.15M
Operating Income $240.99M
EBITDA $271.17M
Net Income $234.4M
EPS (Diluted) $5.69
Revenue / Employee $553.79K
Profit / Employee $180.45K
Employees 1,299
Dividends
Annual Dividend $2
Dividend Yield 3.38%
Payout Ratio 35.1%
FCF Payout Ratio 38.2%
Adj. FCF Payout Ratio 42.8%
Dividend Growth (YoY) 9.9%
Pay Frequency Quarterly
Ex-Dividend Date Aug 11, 2026
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