Saturday 17 October 2026 Export NTB’s income statement to Excel — free account

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

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. In the quarter to June 2026, revenue grew 1.01%, EPS fell 7.03% and free cash flow fell 42.1%, each against the same quarter a year earlier. Dividend growth for ten consecutive years; insiders bought in the last twelve months.

58.65 0.37 +0.63%

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Market cap: $2.3B
P/E: 10.0×
Fwd P/E: 9.4×
Dividend yield: 3.41%
F-score: 7/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

	Dec '25	Dec '24	Dec '23	Dec '22	Dec '21	Dec '20	Dec '19	Dec '18	Dec '17	Dec '16
Piotroski F-Score Full definition →	7	6	8	5	7	6	6	6	7	—
P/E ratio Full definition →	8.86	7.60	6.95	6.99	11.62	10.71	11.12	8.86	13.02	22.05
P/S ratio Full definition →	2.57	2.02	2.06	2.47	3.61	2.93	3.33	3.21	4.26	3.62
P/FCF ratio Full definition →	8.09	6.74	5.71	7.70	7.86	9.39	8.67	6.07	8.84	8.83
P/Operating CF Full definition →	32.13	45.23	13.68	20.89	26.33	45.31	(38.40)	20.71	29.66	30.54
P/B ratio Full definition →	1.80	1.61	1.56	1.73	1.93	1.60	2.04	1.95	2.42	2.16
Price to Tangible BV Full definition →	1.95	1.77	1.73	1.89	2.12	1.77	2.27	2.13	2.62	2.37
EV/Sales Full definition →	(1.76)	(2.50)	(1.60)	(2.27)	(2.73)	(4.78)	(3.06)	(0.53)	0.30	(2.64)
EV/EBITDA Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
EV/Operating CF Full definition →	(5.02)	(7.67)	(4.03)	(6.28)	(5.68)	(13.67)	(7.29)	(0.95)	0.58	(6.30)
EV/FCF Full definition →	(5.52)	(8.33)	(4.42)	(7.08)	(5.95)	(15.35)	(7.99)	(1.00)	0.62	(6.46)
Quick Ratio Full definition →	0.28	0.29	0.24	0.23	0.25	0.32	0.31	0.23	0.21	0.28
Current Ratio Full definition →	0.63	0.65	0.63	0.62	0.63	0.72	0.71	0.66	0.61	0.63
Net Debt/EBITDA Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Debt/Assets Full definition →	0.00%	0.69%	0.74%	1.20%	1.12%	1.16%	1.03%	1.33%	1.09%	1.05%
Debt/Equity Full definition →	0.00	0.10	0.10	0.20	0.18	0.17	0.15	0.16	0.14	0.16
Asset Turnover Full definition →	0.06	0.06	0.05	0.04	0.03	0.04	0.05	0.05	0.04	0.04
Operating CF/Net income Full definition →	1.21	1.23	1.33	1.02	1.55	1.28	1.40	1.52	1.58	3.05
Capex/Depreciation Full definition →	(0.67)	(0.50)	(1.48)	(0.62)	(0.16)	(0.33)	(0.45)	(0.30)	(0.33)	(0.08)
ROE Full definition →	21.45%	21.37%	24.14%	23.23%	16.60%	15.13%	19.18%	22.89%	19.99%	7.99%
ROA Full definition →	1.64%	1.57%	1.63%	1.44%	1.08%	1.03%	1.43%	1.81%	1.40%	0.55%
ROIC Full definition →	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Return on Tangible Assets Full definition →	(5.09%)	(4.91%)	(5.11%)	(4.38%)	(3.22%)	(4.00%)	(5.09%)	(6.32%)	(4.26%)	(1.67%)
Average Days of Receivables Full definition →	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 Full definition →	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 Full definition →	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 Full definition →	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 Full definition →	2.78%	2.57%	2.75%	2.82%	2.90%	2.83%	2.99%	2.34%	1.80%	3.40%
Graham Net Nets Full definition →	(2.33)	(2.88)	(3.04)	(3.54)	(2.91)	(2.63)	(1.98)	(2.14)	(2.10)	(2.62)
Graham Number Full definition →	59.12	49.50	46.18	41.17	38.17	35.68	36.85	35.76	31.01	21.71
Earnings Yield Full definition →	11.28%	13.16%	14.39%	14.31%	8.61%	9.34%	9.00%	11.29%	7.68%	4.53%
Free Cash Flow Yield Full definition →	12.36%	14.84%	17.52%	12.98%	12.72%	10.65%	11.53%	16.47%	11.31%	11.32%
Revenue per Share Full definition →	19.36	18.09	15.53	12.22	10.56	10.65	11.13	9.77	8.62	8.73
Operating CF per Share Full definition →	6.77	5.89	6.15	4.42	5.08	3.73	4.68	5.39	4.46	3.66
Capex per Share Full definition →	(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 Full definition →	6.17	5.42	5.05	3.92	4.85	3.32	4.27	5.14	4.15	3.58
Cash per Share Full definition →	86.21	83.93	58.85	61.40	70.42	85.47	73.82	39.10	36.30	57.10
Shareholders Equity per Share Full definition →	27.64	22.64	20.56	17.44	19.74	19.44	18.13	16.06	15.16	14.62
Interest Debt per Share Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Book value per Share Full definition →	27.64	22.64	20.56	17.44	19.74	19.44	18.13	16.06	15.16	14.62
Free Cash Flow Full definition →	254.81	244.49	246.66	194.30	240.06	167.58	227.05	282.40	225.59	173.92
Working Capital Full definition →	(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 Full definition →	(24.75)	(20.94)	(53.63)	(24.97)	(11.29)	(20.57)	(21.67)	(13.94)	(16.53)	(4.28)
Net Current Asset Value Full definition →	(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 Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Capex to Sales Full definition →	0.03	0.03	0.07	0.04	0.02	0.04	0.04	0.03	0.04	0.01
Price to Operating Income Full definition →	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 Full definition →	0.23	0.27	0.23	0.27	0.50	0.41	0.31	0.29	0.31	0.31
Cash ROIC Full definition →	5.42%	4.99%	6.21%	4.76%	5.18%	3.06%	4.51%	8.90%	7.75%	4.83%
Accounts Receivable Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Accounts Payable Turnover Full definition →	0.02	0.02	0.01	0.00	0.00	0.00	0.01	0.00	0.00	0.00
Inventory Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Days of Payables Full definition →	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 Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Payables Full definition →	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 Full definition →	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 Full definition →	1,081.33	1,012.20	934.21	921.15	979.72	972.85	923.04	852.61	766.81	730.55

Fold the line items

Columns are period end dates

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