NTB

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Bank of N.T. Butterfield & Son Limited (The) Voting

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Key Metrics

Previous Close: $59.06
52-Week Range: $40.59 – $64.17
Market Cap: $2.31B
P/E (TTM): 10.33
EPS (TTM): 5.68
Dividend Yield: 3.39%

Advanced Metrics

Price/Book: 2.01
PEG Ratio: —
Return on Equity: 21.14%
Return on Assets: 1.64%
Gross Margin: 0.00%
Operating Margin: 32.12%
Profit Margin: 37.49%
Current Ratio: —
Debt/Equity: —
Total Debt: $40.33M
Free Cash Flow: —
Revenue Growth: 8.20%
Earnings Growth: -7.20%
Enterprise Value: $-798.04M

NTB Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$551.62M	$583.22M	$581.98M	$606.81M
Selling, General & Admin	$176.75M	$188.09M	$183.75M	$192.34M
Pretax Income	$217.70M	$226.26M	$220.85M	$237.97M
Income Tax	$3.68M	$767.00K	$4.53M	$6.02M
Net Income	$214.02M	$225.49M	$216.32M	$231.94M
Diluted EPS	4.29	4.58	4.71	5.47
Diluted Shares	49.86M	49.28M	45.90M	42.42M

NTB Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$2.10B	$1.65B	$2.00B	$1.71B
Receivables	$203.52M	—	—	—
Total Assets	$14.31B	$13.37B	$14.23B	$14.09B
Long-Term Debt	$172.29M	$98.49M	$98.72M	—
Total Debt	$172.29M	$98.49M	$98.72M	—
Total Liabilities	$13.44B	$12.37B	$13.21B	$12.95B
Retained Earnings	$229.73M	$342.52M	$422.46M	$494.38M
Shareholders' Equity	$864.82M	$1.00B	$1.02B	$1.14B

NTB Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$219.27M	$300.29M	$265.43M	$279.56M
Capital Expenditure	-$26.88M	-$54.27M	-$21.53M	-$24.75M
Free Cash Flow	$192.40M	$246.02M	$243.90M	$254.81M
Depreciation & Amortisation	$40.18M	$36.21M	$42.16M	$36.82M
Stock-Based Compensation	$17.08M	$20.81M	$21.00M	$22.25M
Investing Cash Flow	$292.02M	$681.80M	-$581.02M	$102.36M
Financing Cash Flow	-$506.81M	-$1.45B	$735.56M	-$745.64M
Dividends Paid	-$87.34M	-$86.19M	-$79.58M	-$77.72M
Share Repurchases	-$3.90M	-$88.59M	-$155.31M	-$146.69M
Net Change in Cash	$4.49M	-$465.83M	$419.97M	-$363.72M

NTB Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$146.49M	$153.84M	$158.70M	$155.93M	$159.95M
Selling, General & Admin	$47.14M	$47.99M	$49.91M	$46.79M	$49.20M
Pretax Income	$54.53M	$62.51M	$65.98M	$63.98M	$48.49M
Income Tax	$1.21M	$1.45M	$2.19M	$1.35M	$1.58M
Net Income	$53.33M	$61.06M	$63.79M	$62.62M	$46.91M
Diluted EPS	1.25	1.46	1.54	1.53	1.16
Diluted Shares	42.65M	41.94M	41.44M	40.88M	40.45M

NTB Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$1.45B	$1.50B	$1.71B	$1.94B	$1.44B
Total Assets	$14.19B	$14.09B	$14.09B	$14.42B	$14.35B
Total Liabilities	$13.12B	$12.98B	$12.95B	$13.29B	$13.20B
Retained Earnings	$454.52M	$480.59M	$494.38M	$512.22M	$529.44M
Shareholders' Equity	$1.07B	$1.11B	$1.14B	$1.14B	$1.15B

NTB Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$100.73M	$51.94M	$64.07M	$58.91M	$59.13M
Capital Expenditure	-$7.00M	-$5.12M	-$5.24M	-$8.60M	-$4.86M
Free Cash Flow	$93.74M	$46.82M	$58.83M	$50.31M	$54.27M
Depreciation & Amortisation	$7.63M	$9.24M	$7.39M	$13.56M	$7.76M
Stock-Based Compensation	$5.88M	$5.62M	$5.36M	$5.17M	$6.25M
Investing Cash Flow	-$591.82M	$73.87M	$209.78M	-$150.03M	-$445.90M
Financing Cash Flow	-$191.97M	-$78.41M	-$83.62M	$327.63M	-$131.29M
Dividends Paid	-$18.36M	-$20.45M	-$20.15M	-$19.99M	-$19.70M
Share Repurchases	-$45.42M	-$30.35M	-$29.55M	-$42.43M	-$16.12M
Net Change in Cash	-$683.06M	$47.40M	$190.23M	$236.51M	-$518.07M

Market Snapshot

About

The Bank of N.T. Butterfield & Son Limited is a Bermuda-based financial institution providing comprehensive banking and wealth management services across Bermuda, the Cayman Islands, Guernsey, and The Bahamas. Founded in 1858, it serves individuals, families, and businesses with retail and corporate banking, trust, and asset management solutions.