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

NTB Cash Flow Statement

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

Operating Activities

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
Net Income	234.39	231.94	216.32	225.49	214.02	162.67
Depreciation & Amortization	37.94	36.82	42.16	36.21	40.18	69.46
Gain (Loss) on Sale of Assets	-	-	-0.05	0.04	-0.45	0.05
Gain (Loss) on Sale of Investments	-0.11	-0.22	0.33	0.42	-0.03	7.21
Provision for Credit Losses	3.45	0.22	1.66	4.45	2.4	-3.13
Accrued Interest Receivable	-61.73	15.28	-10.01	4.62	-54.02	13.3
Change in Other Net Operating Assets	-2.32	-26.79	-6.11	1.9	-0.07	-13.8
Other Operating Activities	0.02	0.06	0.14	6.35	0.17	0.44
Operating Cash Flow	234.04	279.56	265.43	300.29	219.27	251.35
Operating Cash Flow Growth	-25.16%	5.32%	-11.61%	36.95%	-12.76%	33.59%

Investing Activities

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
Capital Expenditures	-23.8	-24.75	-21.05	-26.93	-26.88	-15.72
Cash Acquisitions	-41.14	-	-	-	-	-
Investment in Securities	-350.96	-99.85	-797.05	278.13	407.18	-1,795
Purchase / Sale of Intangibles	-	-	-0.48	-27.34	-	-
Net Decrease (Increase) in Loans Originated / Sold - Investing	103.61	226.96	236.98	457.3	-90.19	-99.01
Investing Cash Flow	-312.29	102.36	-581.02	681.8	292.02	-1,906

Financing Activities

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
Short-Term Debt Issued	-	-	97.33	-	-	-
Total Debt Issued	-	-	97.33	-	-	-
Short-Term Debt Repaid	-	-90.03	-	-	-	-
Long-Term Debt Repaid	-	-100	-	-75	-	-
Total Debt Repaid	-1.82	-190.03	-	-75	-	-
Net Debt Issued (Repaid)	-1.82	-190.03	97.33	-75	-	-
Repurchase of Common Stock	-118.45	-146.69	-155.31	-88.59	-3.9	-19.75
Common Dividends Paid	-80.29	-77.72	-79.58	-86.19	-87.34	-87.29
Total Dividends Paid	-80.29	-77.72	-79.58	-86.19	-87.34	-87.29
Net Increase (Decrease) in Deposit Accounts	234.87	-331.2	873.12	-1,198	-415.57	642.82
Financing Cash Flow	34.31	-745.64	735.56	-1,448	-506.81	535.78

Net Cash Flow

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
Foreign Exchange Rate Adjustments	-10.37	51.86	-3.69	21.55	-91.44	7.54
Net Cash Flow	-54.31	-311.86	416.28	-444.29	-86.95	-1,111

Free Cash Flow

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
Free Cash Flow	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%
Free Cash Flow Margin	33.63%	41.99%	42.14%	47.24%	35.03%	47.16%
Free Cash Flow Per Share	5.10	6.01	5.32	5.55	3.86	4.72

Additional Metrics

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
Cash Interest Paid	203.16	203.16	235.51	162.39	48.64	24.46
Cash Income Tax Paid	4.01	4.01	2.23	1.93	4.82	0.46

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: Jul 27, 2026

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

Update frequency:

Quarterly

Last checked:

Aug 18, 2026

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