The Bank of N.T. Butterfield & Son Limited (NTB)
NYSE: NTB · Real-Time Price · USD
45.16
+0.27 (0.60%)
Nov 19, 2025, 9:47 AM EST - Market open

NTB Statistics

Total Valuation

NTB has a market cap or net worth of $1.83 billion. The enterprise value is -$1.09 billion.

Market Cap1.83B
Enterprise Value -1.09B

Important Dates

The last earnings date was Tuesday, October 28, 2025, after market close.

Earnings Date Oct 28, 2025
Ex-Dividend Date Nov 10, 2025

Share Statistics

NTB has 40.58 million shares outstanding. The number of shares has decreased by -7.64% in one year.

Current Share Class 40.58M
Shares Outstanding 40.58M
Shares Change (YoY) -7.64%
Shares Change (QoQ) -1.66%
Owned by Insiders (%) 1.31%
Owned by Institutions (%) 75.25%
Float 40.05M

Valuation Ratios

The trailing PE ratio is 8.52 and the forward PE ratio is 8.27.

PE Ratio 8.52
Forward PE 8.27
PS Ratio 3.16
Forward PS 3.04
PB Ratio 1.65
P/TBV Ratio 1.79
P/FCF Ratio 8.12
P/OCF Ratio 7.23
PEG Ratio n/a
Financial Ratio History

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 0.18
Interest Coverage n/a

Financial Efficiency

Return on equity (ROE) is 20.99%.

Return on Equity (ROE) 20.99%
Return on Assets (ROA) 1.60%
Return on Invested Capital (ROIC) n/a
Return on Capital Employed (ROCE) n/a
Revenue Per Employee $462,897
Profits Per Employee $175,853
Employee Count1,295
Asset Turnover n/a
Inventory Turnover n/a

Taxes

In the past 12 months, NTB has paid $5.34 million in taxes.

Income Tax 5.34M
Effective Tax Rate 2.29%

Stock Price Statistics

The stock price has increased by +18.85% in the last 52 weeks. The beta is 0.56, so NTB's price volatility has been lower than the market average.

Beta (5Y) 0.56
52-Week Price Change +18.85%
50-Day Moving Average 43.89
200-Day Moving Average 42.28
Relative Strength Index (RSI) 51.96
Average Volume (20 Days) 237,304

Short Selling Information

Short Interest 313,719
Short Previous Month 338,866
Short % of Shares Out 0.77%
Short % of Float n/a
Short Ratio (days to cover) 1.34

Income Statement

In the last 12 months, NTB had revenue of $599.45 million and earned $227.73 million in profits. Earnings per share was $5.27.

Revenue599.45M
Gross Profit 599.45M
Operating Income 242.66M
Pretax Income 233.07M
Net Income 227.73M
EBITDA n/a
EBIT n/a
Earnings Per Share (EPS) $5.27
Full Income Statement

Balance Sheet

The company has $2.95 billion in cash and $39.90 million in debt, giving a net cash position of $2.91 billion or $71.74 per share.

Cash & Cash Equivalents 2.95B
Total Debt 39.90M
Net Cash 2.91B
Net Cash Per Share $71.74
Equity (Book Value) 1.11B
Book Value Per Share 27.25
Working Capital -9.81B
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $251.93 million and capital expenditures -$27.66 million, giving a free cash flow of $224.27 million.

Operating Cash Flow 251.93M
Capital Expenditures -27.66M
Free Cash Flow 224.27M
FCF Per Share $5.53
Full Cash Flow Statement

Margins

Gross Margin n/a
Operating Margin 40.48%
Pretax Margin 38.88%
Profit Margin 37.99%
EBITDA Margin n/a
EBIT Margin n/a
FCF Margin 37.41%

Dividends & Yields

This stock pays an annual dividend of $2.00, which amounts to a dividend yield of 4.46%.

Dividend Per Share $2.00
Dividend Yield 4.46%
Dividend Growth (YoY) 6.82%
Years of Dividend Growth n/a
Payout Ratio 35.69%
Buyback Yield 7.64%
Shareholder Yield 12.11%
Earnings Yield 12.50%
FCF Yield 12.31%
Dividend Details

Analyst Forecast

The average price target for NTB is $50.67, which is 12.20% higher than the current price. The consensus rating is "Hold".

Price Target $50.67
Price Target Difference 12.20%
Analyst Consensus Hold
Analyst Count 3
Revenue Growth Forecast (5Y) n/a
EPS Growth Forecast (5Y) n/a
Stock Forecasts

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 1:10.

Last Split Date Sep 6, 2016
Split Type Reverse
Split Ratio 1:10

Scores

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