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

NTB Financials Overview

Financials in millions USD. Fiscal year is January - December.

Revenue & Profits

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Revenue Revenue Growth	625.16	606.79	579.93	578.6	549.3	499.68
Revenue Growth	6.16%	4.63%	0.23%	5.33%	9.93%	1.11%
Net Income Net Income Growth	234.39	231.94	216.32	225.49	214.02	162.67
Earnings Per Share EPS Growth	5.69	5.47	4.71	4.58	4.29	3.26
EPS Growth	14.26%	16.14%	2.84%	6.76%	31.60%	12.41%

Revenue by Geography

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Inter-Segment Eliminations Inter-Segment Eliminations Growth	-27.22	-25.49	-22.39	-19.38	-17.87	-17.44
Other Other Growth	50.09	46.59	42.6	35.88	29.47	27.55
Cayman Cayman Growth	199.93	197.43	189.49	200.64	182	150.68
Bermuda Bermuda Growth	274.42	273.67	261.95	269.87	248.59	233.72
Channel Islands and The UK Channel Islands and The UK Growth	127.95	114.6	108.29	91.59	107.11	105.16
Total Total Growth	625.16	606.79	579.93	578.6	549.3	499.68

Cash & Debt

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents Cash Growth	2,881	3,418	3,996	3,293	4,202	4,360
Total Debt Total Debt Growth	0	0	98.73	98.49	172.29	171.88
Net Cash (Debt) Net Cash Growth	-0	-0	-98.73	-98.49	-172.29	-171.88
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share Net Cash Per Share Growth	-	-	-2.15	-2.00	-3.46	-3.45

Cash Flow & CapEx

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Operating Cash Flow Operating Cash Flow Growth	234.04	279.56	265.43	300.29	219.27	251.35
Capital Expenditures CapEx Growth	-23.8	-24.75	-21.05	-26.93	-26.88	-15.72
Free Cash Flow Free Cash Flow Growth	210.24	254.81	244.38	273.36	192.4	235.63
Free Cash Flow Growth	-25.86%	4.27%	-10.60%	42.08%	-18.35%	40.60%

Margins

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Pretax Margin	38.54%	39.22%	38.08%	39.10%	39.63%	33.18%
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

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Dividend Per Share Dividend Per Share Growth	2.000	1.880	1.760	1.760	1.760	1.760
Dividend Per Share Growth	9.89%	6.82%	0%	0%	0%	0%
Dividend Yield	3.24%	3.78%	4.83%	5.52%	5.91%	4.62%

Valuation

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
PE Ratio	10.84	9.11	7.76	6.99	6.95	11.69
Forward PE	9.60	9.18	8.86	7.42	6.54	11.83
P/FCF Ratio	11.55	7.81	6.42	5.49	7.70	7.97
PS Ratio	3.88	3.28	2.70	2.60	2.70	3.76

Data Sources: Fiscal.ai and S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by Fiscal.ai and updates within minutes after each earnings release, which is every three months for this company. Revenue segment data is provided by S&P Global Market Intelligence.

Update frequency:

Quarterly

Last checked:

Jul 31, 2026

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