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

NTB Statistics

Total Valuation

NTB has a market cap or net worth of $1.63 billion. The enterprise value is -$1.79 billion.

Market Cap	1.63B
Enterprise Value	-1.79B

Important Dates

The next estimated earnings date is Tuesday, April 22, 2025, after market close.

Earnings Date	Apr 22, 2025
Ex-Dividend Date	Feb 24, 2025

Share Statistics

NTB has 42.92 million shares outstanding. The number of shares has decreased by -6.86% in one year.

Current Share Class	42.92M
Shares Outstanding	42.92M
Shares Change (YoY)	-6.86%
Shares Change (QoQ)	-2.10%
Owned by Insiders (%)	1.42%
Owned by Institutions (%)	74.61%
Float	42.31M

Valuation Ratios

The trailing PE ratio is 8.34 and the forward PE ratio is 8.77.

PE Ratio	8.34
Forward PE	8.77
PS Ratio	3.06
Forward PS	2.82
PB Ratio	1.65
P/TBV Ratio	1.76
P/FCF Ratio	6.67
P/OCF Ratio	6.15
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	0.94
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 21.37%.

Return on Equity (ROE)	21.37%
Return on Assets (ROA)	1.57%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$447,825
Profits Per Employee	$167,039
Employee Count	1,295
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, NTB has paid $4.53 million in taxes.

Income Tax	4.53M
Effective Tax Rate	2.05%

Stock Price Statistics

The stock price has increased by +23.66% in the last 52 weeks. The beta is 1.08, so NTB's price volatility has been similar to the market average.

Beta (5Y)	1.08
52-Week Price Change	+23.66%
50-Day Moving Average	38.25
200-Day Moving Average	37.26
Relative Strength Index (RSI)	58.47
Average Volume (20 Days)	190,324

Short Selling Information

Short Interest	251,546
Short Previous Month	163,386
Short % of Shares Out	0.59%
Short % of Float	n/a
Short Ratio (days to cover)	1.23

Income Statement

In the last 12 months, NTB had revenue of $579.93 million and earned $216.32 million in profits. Earnings per share was $4.71.

Revenue	579.93M
Gross Profit	579.93M
Operating Income	230.35M
Pretax Income	207.68M
Net Income	216.32M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$4.71

Balance Sheet

The company has $3.65 billion in cash and $228.93 million in debt, giving a net cash position of $3.43 billion or $79.80 per share.

Cash & Cash Equivalents	3.65B
Total Debt	228.93M
Net Cash	3.43B
Net Cash Per Share	$79.80
Equity (Book Value)	1.02B
Book Value Per Share	23.78
Working Capital	-9.25B

Cash Flow

In the last 12 months, operating cash flow was $265.43 million and capital expenditures -$21.05 million, giving a free cash flow of $244.38 million.

Operating Cash Flow	265.43M
Capital Expenditures	-21.05M
Free Cash Flow	244.38M
FCF Per Share	$5.69

Margins

Gross Margin	n/a
Operating Margin	39.72%
Pretax Margin	38.08%
Profit Margin	37.30%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	42.14%

Dividends & Yields

This stock pays an annual dividend of $1.76, which amounts to a dividend yield of 4.63%.

Dividend Per Share	$1.76
Dividend Yield	4.63%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	37.37%
Buyback Yield	6.86%
Shareholder Yield	11.53%
Earnings Yield	13.26%
FCF Yield	14.98%

Analyst Forecast

The average price target for NTB is $41.17, which is 8.26% higher than the current price. The consensus rating is "Buy".

Price Target	$41.17
Price Target Difference	8.26%
Analyst Consensus	Buy
Analyst Count	6
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

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