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Friday 6 November 2026
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Bank of N.T. Butterfield & Son Limited (The)
NTB Financial Banks Diversified
Bank of N.T. Butterfield & Son Limited (The)’s revenue for fiscal 2025 (year ended December 2025) was $800.0 million, down 1.93% from fiscal 2024.
- Revenue
- +1.78%
- EPS
- +3.09%
- Free cash flow
- +28.4%
Quarter to September 2026, against a year earlier
54.73
0.11
+0.20%
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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
Piotroski F-Score |
7 | 6 | 8 | 5 | 7 | 6 | 6 | 6 | 7 | — |
P/E ratio |
8.86 | 7.60 | 6.95 | 6.99 | 11.62 | 10.71 | 11.12 | 8.86 | 13.02 | 22.05 |
P/S ratio |
2.57 | 2.02 | 2.06 | 2.47 | 3.61 | 2.93 | 3.33 | 3.21 | 4.26 | 3.62 |
P/FCF ratio |
8.09 | 6.74 | 5.71 | 7.70 | 7.86 | 9.39 | 8.67 | 6.07 | 8.84 | 8.83 |
P/Operating CF |
32.13 | 45.23 | 13.68 | 20.89 | 26.33 | 45.31 | (38.40) | 20.71 | 29.66 | 30.54 |
P/B ratio |
1.80 | 1.61 | 1.56 | 1.73 | 1.93 | 1.60 | 2.04 | 1.95 | 2.42 | 2.16 |
Price to Tangible BV |
1.95 | 1.77 | 1.73 | 1.89 | 2.12 | 1.77 | 2.27 | 2.13 | 2.62 | 2.37 |
EV/Sales |
(1.76) | (2.50) | (1.60) | (2.27) | (2.73) | (4.78) | (3.06) | (0.53) | 0.30 | (2.64) |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
(5.02) | (7.67) | (4.03) | (6.28) | (5.68) | (13.67) | (7.29) | (0.95) | 0.58 | (6.30) |
EV/FCF |
(5.52) | (8.33) | (4.42) | (7.08) | (5.95) | (15.35) | (7.99) | (1.00) | 0.62 | (6.46) |
Quick Ratio |
0.28 | 0.29 | 0.24 | 0.23 | 0.25 | 0.32 | 0.31 | 0.23 | 0.21 | 0.28 |
Current Ratio |
0.63 | 0.65 | 0.63 | 0.62 | 0.63 | 0.72 | 0.71 | 0.66 | 0.61 | 0.63 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
0.00% | 0.69% | 0.74% | 1.20% | 1.12% | 1.16% | 1.03% | 1.33% | 1.09% | 1.05% |
Debt/Equity |
0.00 | 0.10 | 0.10 | 0.20 | 0.18 | 0.17 | 0.15 | 0.16 | 0.14 | 0.16 |
Asset Turnover |
0.06 | 0.06 | 0.05 | 0.04 | 0.03 | 0.04 | 0.05 | 0.05 | 0.04 | 0.04 |
Operating CF/Net income |
1.21 | 1.23 | 1.33 | 1.02 | 1.55 | 1.28 | 1.40 | 1.52 | 1.58 | 3.05 |
Capex/Depreciation |
(0.67) | (0.50) | (1.48) | (0.62) | (0.16) | (0.33) | (0.45) | (0.30) | (0.33) | (0.08) |
| 21.45% | 21.37% | 24.14% | 23.23% | 16.60% | 15.13% | 19.18% | 22.89% | 19.99% | 7.99% | |
| 1.64% | 1.57% | 1.63% | 1.44% | 1.08% | 1.03% | 1.43% | 1.81% | 1.40% | 0.55% | |
ROIC |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Return on Tangible Assets |
(5.09%) | (4.91%) | (5.11%) | (4.38%) | (3.22%) | (4.00%) | (5.09%) | (6.32%) | (4.26%) | (1.67%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
40.86% | 39.02% | 41.68% | 48.91% | 56.44% | 59.23% | 55.26% | 53.82% | 58.12% | 61.16% |
Intangible Assets out of Total Assets |
0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
Share Based Compensation of Revenue |
2.78% | 2.57% | 2.75% | 2.82% | 2.90% | 2.83% | 2.99% | 2.34% | 1.80% | 3.40% |
Graham Net Nets |
(2.43) | (2.88) | (3.04) | (3.54) | (2.91) | (2.63) | (1.98) | (2.14) | (2.10) | (2.62) |
Graham Number |
59.12 | 49.50 | 46.18 | 41.17 | 38.17 | 35.68 | 36.85 | 35.76 | 31.01 | 21.71 |
Earnings Yield |
11.28% | 13.16% | 14.39% | 14.31% | 8.61% | 9.34% | 9.00% | 11.29% | 7.68% | 4.53% |
Free Cash Flow Yield |
12.36% | 14.84% | 17.52% | 12.98% | 12.72% | 10.65% | 11.53% | 16.47% | 11.31% | 11.32% |
Revenue per Share |
19.36 | 18.09 | 15.53 | 12.22 | 10.56 | 10.65 | 11.13 | 9.77 | 8.62 | 8.73 |
Operating CF per Share |
6.77 | 5.89 | 6.15 | 4.42 | 5.08 | 3.73 | 4.68 | 5.39 | 4.46 | 3.66 |
Capex per Share |
(0.60) | (0.46) | (1.10) | (0.50) | (0.23) | (0.41) | (0.41) | (0.25) | (0.30) | (0.09) |
Free Cash Flow per Share |
6.17 | 5.42 | 5.05 | 3.92 | 4.85 | 3.32 | 4.27 | 5.14 | 4.15 | 3.58 |
Cash per Share |
86.21 | 83.93 | 58.85 | 61.40 | 70.42 | 85.47 | 73.82 | 39.10 | 36.30 | 57.10 |
Shareholders Equity per Share |
27.64 | 22.64 | 20.56 | 17.44 | 19.74 | 19.44 | 18.13 | 16.06 | 15.16 | 14.62 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
27.64 | 22.64 | 20.56 | 17.44 | 19.74 | 19.44 | 18.13 | 16.06 | 15.16 | 14.62 |
Free Cash Flow |
254.81 | 244.49 | 246.66 | 194.30 | 240.06 | 167.58 | 227.05 | 282.40 | 225.59 | 173.92 |
Working Capital |
(4,714.05) | (4,559.63) | (4,565.43) | (5,035.14) | (5,187.18) | (3,831.36) | (3,636.15) | (3,244.33) | (3,766.34) | (3,666.00) |
Capital Expenditures |
(24.75) | (20.94) | (53.63) | (24.97) | (11.29) | (20.57) | (21.67) | (13.94) | (16.53) | (4.28) |
Net Current Asset Value |
(4,798.51) | (4,741.94) | (4,752.61) | (5,299.45) | (5,485.29) | (4,134.10) | (3,889.99) | (3,677.86) | (4,183.86) | (4,023.01) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.03 | 0.03 | 0.07 | 0.04 | 0.02 | 0.04 | 0.04 | 0.03 | 0.04 | 0.01 |
Price to Operating Income |
8.65 | 7.46 | 6.91 | 6.88 | 11.38 | 10.51 | 11.20 | 8.77 | 12.77 | 12.50 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.23 | 0.27 | 0.23 | 0.27 | 0.50 | 0.41 | 0.31 | 0.29 | 0.31 | 0.31 |
Cash ROIC |
5.42% | 4.99% | 6.21% | 4.76% | 5.18% | 3.06% | 4.51% | 8.90% | 7.75% | 4.83% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.02 | 0.02 | 0.01 | 0.00 | 0.00 | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
24,011.00 | 19,837.87 | 24,487.32 | 86,529.76 | 201,770.77 | 140,548.65 | 76,482.00 | 140,252.37 | 219,125.41 | 222,644.67 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
12,721.99 | 12,366.31 | 12,488.90 | 13,430.65 | 13,560.15 | 12,845.86 | 10,946.94 | 9,494.35 | 9,785.05 | 9,607.90 |
Average Assets |
14,163.15 | 13,802.71 | 13,840.04 | 14,820.63 | 15,036.92 | 14,330.11 | 12,347.38 | 10,776.21 | 10,941.39 | 10,689.55 |
Average Common Equity |
1,081.33 | 1,012.20 | 934.21 | 921.15 | 979.72 | 972.85 | 923.04 | 852.61 | 766.81 | 730.55 |
Columns are period end dates · fundamentals updated 2 Nov 2026