The Bank of N.T. Butterfield & Son Limited (FRA:4IK)

FRA:4IK Ratios and Metrics

Market cap in millions EUR. Fiscal year is January - December.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 26, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	1,504	1,559	1,392	1,385	1,658	1,261
Market Cap Growth	-1.45%	12.02%	0.54%	-16.51%	31.55%	-28.13%
Last Close Price	36.00	33.85	27.23	24.89	28.13	20.02
PE Ratio	8.05	7.46	6.82	6.91	11.59	10.48
PS Ratio	3.00	2.78	2.66	2.69	3.77	3.12
PB Ratio	1.65	1.58	1.53	1.71	1.93	1.57
P/FCF Ratio	6.23	6.61	5.63	7.69	8.00	9.20
P/OCF Ratio	5.65	6.08	5.12	6.75	7.50	8.20
Debt / Equity Ratio	0.06	0.22	0.14	0.25	0.22	0.25
Debt / FCF Ratio	0.22	0.94	0.53	1.10	0.91	1.44
Return on Equity (ROE)	21.21%	21.37%	24.14%	23.23%	16.60%	15.13%
Return on Assets (ROA)	1.56%	1.57%	1.63%	1.44%	1.08%	1.03%
Earnings Yield	12.42%	13.40%	14.65%	14.46%	8.63%	9.55%
FCF Yield	16.06%	15.14%	17.77%	13.00%	12.49%	10.87%
Dividend Yield	4.52%	5.02%	5.85%	6.62%	5.50%	7.19%
Payout Ratio	34.68%	36.79%	38.22%	40.81%	53.66%	60.41%
Buyback Yield / Dilution	7.47%	6.86%	1.17%	0.03%	1.92%	5.24%
Total Shareholder Return	11.99%	11.88%	7.02%	6.65%	7.42%	12.42%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.