The Bank of N.T. Butterfield & Son Limited (NTB)
NYSE: NTB · Real-Time Price · USD
58.61
-0.05 (-0.09%)
Aug 21, 2026, 4:00 PM EDT - Market closed

NTB Financials Overview

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal YearTTMFY 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 YearTTMFY 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 YearCurrentFY 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 YearTTMFY 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 YearTTMFY 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 YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '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
3.41%3.87%5.17%6.21%7.10%5.86%

Valuation

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
10.308.727.466.826.9111.59
Forward PE
8.989.188.867.426.5411.83
P/FCF Ratio
10.967.946.615.637.698.00
PS Ratio
3.693.332.782.662.693.77