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

NTB Statistics

Total Valuation

NTB has a market cap or net worth of $1.82 billion. The enterprise value is -$1.15 billion.

Market Cap	1.82B
Enterprise Value	-1.15B

Important Dates

The next estimated earnings date is Monday, July 21, 2025, after market close.

Earnings Date	Jul 21, 2025
Ex-Dividend Date	May 7, 2025

Share Statistics

NTB has 42.20 million shares outstanding. The number of shares has decreased by -7.27% in one year.

Current Share Class	42.20M
Shares Outstanding	42.20M
Shares Change (YoY)	-7.27%
Shares Change (QoQ)	-2.26%
Owned by Insiders (%)	1.44%
Owned by Institutions (%)	75.37%
Float	41.59M

Valuation Ratios

The trailing PE ratio is 8.98 and the forward PE ratio is 8.62.

PE Ratio	8.98
Forward PE	8.62
PS Ratio	3.25
Forward PS	3.12
PB Ratio	1.72
P/TBV Ratio	1.88
P/FCF Ratio	6.67
P/OCF Ratio	6.08
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	0.50
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 21.11%.

Return on Equity (ROE)	21.11%
Return on Assets (ROA)	1.57%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$451,951
Profits Per Employee	$167,297
Employee Count	1,295
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, NTB has paid $4.86 million in taxes.

Income Tax	4.86M
Effective Tax Rate	2.19%

Stock Price Statistics

The stock price has increased by +30.21% in the last 52 weeks. The beta is 0.61, so NTB's price volatility has been lower than the market average.

Beta (5Y)	0.61
52-Week Price Change	+30.21%
50-Day Moving Average	40.09
200-Day Moving Average	38.18
Relative Strength Index (RSI)	64.61
Average Volume (20 Days)	156,092

Short Selling Information

Short Interest	262,432
Short Previous Month	243,258
Short % of Shares Out	0.62%
Short % of Float	n/a
Short Ratio (days to cover)	1.37

Income Statement

In the last 12 months, NTB had revenue of $585.28 million and earned $216.65 million in profits. Earnings per share was $4.81.

Revenue	585.28M
Gross Profit	585.28M
Operating Income	230.98M
Pretax Income	207.68M
Net Income	216.65M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$4.81

Balance Sheet

The company has $3.11 billion in cash and $137.17 million in debt, giving a net cash position of $2.97 billion or $70.36 per share.

Cash & Cash Equivalents	3.11B
Total Debt	137.17M
Net Cash	2.97B
Net Cash Per Share	$70.36
Equity (Book Value)	1.06B
Book Value Per Share	25.07
Working Capital	-9.53B

Cash Flow

In the last 12 months, operating cash flow was $299.99 million and capital expenditures -$26.83 million, giving a free cash flow of $273.16 million.

Operating Cash Flow	299.99M
Capital Expenditures	-26.83M
Free Cash Flow	273.16M
FCF Per Share	$6.47

Margins

Gross Margin	n/a
Operating Margin	39.46%
Pretax Margin	37.85%
Profit Margin	37.02%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	46.67%

Dividends & Yields

This stock pays an annual dividend of $1.76, which amounts to a dividend yield of 4.08%.

Dividend Per Share	$1.76
Dividend Yield	4.08%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	36.59%
Buyback Yield	7.27%
Shareholder Yield	11.35%
Earnings Yield	11.89%
FCF Yield	14.99%

Analyst Forecast

The average price target for NTB is $44.25, which is 2.45% higher than the current price. The consensus rating is "Buy".

Price Target	$44.25
Price Target Difference	2.45%
Analyst Consensus	Buy
Analyst Count	4
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on September 6, 2016. It was a reverse split with a ratio of 0.1:1.

Last Split Date	Sep 6, 2016
Split Type	Reverse
Split Ratio	0.1:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	4