The Bank of N.T. Butterfield & Son Limited (NTB)
NYSE: NTB · Real-Time Price · USD
59.91
-0.40 (-0.66%)
Oct 23, 2026, 4:00 PM EDT - Market closed

NTB Financials Overview

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
625.16606.79579.93578.6549.3499.68
Revenue Growth
6.16%4.63%0.23%5.33%9.93%1.11%
Net Income
234.39231.94216.32225.49214.02162.67
Earnings Per Share
5.695.474.714.584.293.26
EPS Growth
14.66%16.14%2.84%6.76%31.60%12.41%

Revenue by Geography

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Inter-Segment Eliminations
-27.22-25.49-22.39-19.38-17.87-17.44
Other
50.0946.5942.635.8829.4727.55
Cayman
199.93197.43189.49200.64182150.68
Bermuda
274.42273.67261.95269.87248.59233.72
Channel Islands and The UK
127.95114.6108.2991.59107.11105.16
Total
625.16606.79579.93578.6549.3499.68

Cash & Debt

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
3,1613,1283,6542,4752,5583,102
Total Debt
40.3343.99228.93145.48211.51214.09
Net Cash (Debt)
3,1213,0843,4252,3302,3462,888
Net Cash Growth
4.69%-9.96%47.01%-0.69%-18.77%-22.38%
Net Cash Per Share
75.7472.7074.6247.2847.0657.91

Cash Flow & CapEx

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
234.04279.56265.43300.29219.27251.35
Capital Expenditures
-23.8-24.75-21.05-26.93-26.88-15.72
Free Cash Flow
210.24254.81244.38273.36192.4235.63
Free Cash Flow Growth
-25.86%4.27%-10.60%42.08%-18.35%40.60%

Margins

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
37.49%38.22%37.30%38.97%38.96%32.55%
FCF Margin
33.63%41.99%42.14%47.24%35.03%47.16%

Dividends

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingOct '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Dividend Per Share
2.0001.8801.7601.7601.7601.760
Dividend Per Share Growth
9.89%6.82%0%0%0%0%
Dividend Yield
3.34%3.72%4.68%5.37%5.91%4.60%

Valuation

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingOct '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
10.528.727.466.826.9111.59
Forward PE
9.059.188.867.426.5411.83
P/FCF Ratio
11.217.946.615.637.698.00
PS Ratio
3.773.332.782.662.693.77