Citigroup Inc. (C) vs Bank of N.T. Butterfield & Son Limited (The) (NTB)

Citigroup Inc. and Bank of N.T. Butterfield & Son Limited (The) are both Banks Diversified companies. Citigroup Inc. is the larger, with a market value of $206.7B against $2.3B — 90.3× the size. Bank of N.T. Butterfield & Son Limited (The) trades at the lower P/E: 10.0× against 12.1×. Citigroup Inc. grew revenue faster over the last twelve months: 4.74% against −1.50%. Bank of N.T. Butterfield & Son Limited (The) has the higher net margin (29.3% vs 10.4%) and the higher return on invested capital (0.00% vs 0.00%). Both pay a dividend; Bank of N.T. Butterfield & Son Limited (The) yields more (3.41% vs 1.99%). Across the 17 metrics below, Bank of N.T. Butterfield & Son Limited (The) leads on 11 and Citigroup Inc. on 6.

Valuation

Metric C NTB Banks Diversified median
P/E 12.07 10.04 11.97
P/S 1.32 2.89 2.60
P/B 1.20 2.01 1.59
Price to free cash flow n/m 11.02 4.04
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.29% 9.96% 8.36%
Free cash flow yield (10.54%) 9.07% 7.80%

Profitability

Metric C NTB Banks Diversified median
Gross margin 52.85% 78.57% 67.14%
Operating margin 0.00% 0.00% 0.00%
Net margin 10.37% 29.34% 18.44%
Free cash flow margin 0.00% 26.32% 0.00%
Return on equity 9.40% 21.14% 10.89%
Return on assets 0.65% 1.64% 0.76%
Return on invested capital 0.00% 0.00% 0.00%

Growth

Metric C NTB Banks Diversified median
Revenue growth (TTM) 4.74% (1.50%) 5.49%
EPS growth (last fiscal year) 17.68% 16.14% 18.19%
Revenue growth, 5-year CAGR 13.63% 8.27% 14.34%
Net income growth, 5-year CAGR 5.68% 9.52% 10.77%

Health

Metric C NTB Banks Diversified median
Debt to equity 1.63 0.00 1.43
Current ratio 1.05 0.64 0.87
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric C NTB Banks Diversified median
Dividend yield 1.99% 3.41% 2.29%
Payout ratio 0.23 0.35 0.27

Size

Metric C NTB Banks Diversified median
Market cap 206.68b 2.29b 201.23b

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