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. 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%
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
Jun '26 Mar '26 Dec '25 Sep '25 Older periods
P/E ratio
10.19 8.85 8.86 7.93

+8 more quarters

P/S ratio
2.94 2.62 2.57 2.17
P/FCF ratio
11.18 8.38 8.09 7.83
P/Operating CF
39.68 35.44 32.13 33.73
P/B ratio
2.04 1.84 1.80 1.58
Price to Tangible BV
2.28 1.98 1.95 1.72
EV/Sales
(1.61) (2.12) (1.76) (2.03)
EV/EBITDA
0.00 0.00 0.00 0.00
EV/Operating CF
(5.50) (6.11) (5.02) (6.50)
EV/FCF
(6.13) (6.76) (5.52) (7.32)
Quick Ratio
0.28 0.29 0.28 0.27
Current Ratio
0.64 0.64 0.63 0.63
Net Debt/EBITDA
0.00 0.00 0.00 0.00
Debt/Assets
0.00% 0.00% 0.00% 0.00%
Debt/Equity
0.00 0.00 0.00 0.00
Asset Turnover
0.06 0.06 0.06 0.06
Operating CF/Net income
1.26 0.94 1.00 0.85
Capex/Depreciation
(0.63) (0.63) (0.71) (0.55)
Research and Development Expense of Revenue
0.00% 0.00% 0.00% 0.00%
Selling, General and Administrative Expense of Revenue
50.06% 42.14% 40.55% 40.49%
Intangible Assets out of Total Assets
0.01 0.01 0.01 0.01
Share Based Compensation of Revenue
3.13% 2.65% 2.64% 2.80%
Graham Net Nets
(2.05) (2.30) (2.33) (2.75)
Graham Number
61.87 61.73 59.12 57.43
Earnings Yield
9.82% 11.30% 11.28% 12.60%
Free Cash Flow Yield
8.94% 11.94% 12.36% 12.78%
Revenue per Share
5.07 4.91 4.91 4.91
Operating CF per Share
1.50 1.48 1.55 1.27
Capex per Share
(0.12) (0.22) (0.13) (0.13)
Free Cash Flow per Share
1.38 1.26 1.42 1.15
Cash per Share
94.63 97.33 86.21 85.46
Shareholders Equity per Share
29.13 28.56 27.64 27.10
Interest Debt per Share
0.00 0.00 0.00 0.00
Book value per Share
29.13 28.56 27.64 27.10
Free Cash Flow
54.27 50.31 58.83 46.82
Working Capital
(4,719.81) (4,707.54) (4,714.05) (4,738.21)
Capital Expenditures
(4.85) (8.60) (5.24) (5.11)
Net Current Asset Value
(4,804.00) (4,791.81) (4,798.51) (4,823.09)
EV/EBIT
0.00 0.00 0.00 0.00
Capex to Sales
0.02 0.04 0.03 0.03
Price to Operating Income
9.74 8.45 8.65 7.52
Other line items
Average Payables
12,874.35 12,744.77 12,721.99 12,729.32
Average Assets
14,265.74 14,222.28 14,163.15 14,229.66
Average Common Equity
1,108.91 1,096.95 1,081.33 1,085.06

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Columns are period end dates