Bank of N.T. Butterfield & Son Limited (The) (NTB) vs UBS Group AG (UBS)

Bank of N.T. Butterfield & Son Limited (The) and UBS Group AG are both Banks Diversified companies. UBS Group AG is the larger, with a market value of $147.8B against $2.2B — 68.7× the size. Bank of N.T. Butterfield & Son Limited (The) trades at the lower P/E: 9.3× against 15.4×. Bank of N.T. Butterfield & Son Limited (The) grew revenue faster over the last twelve months: −0.39% against −21.7%. Bank of N.T. Butterfield & Son Limited (The) has the higher net margin (29.2% vs 16.1%) and the lower return on invested capital (0.00% vs 2.91%). Both pay a dividend; Bank of N.T. Butterfield & Son Limited (The) yields more (3.66% vs 2.26%). Across the 19 metrics below, Bank of N.T. Butterfield & Son Limited (The) leads on 12 and UBS Group AG on 7.

Valuation

Metric NTB UBS Banks Diversified median
P/E 9.28 15.41 11.69
P/S 2.68 2.46 2.57
P/B 1.93 1.67 1.53
Price to free cash flow 9.65 12.58 8.83
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 10.78% 6.49% 8.55%
Free cash flow yield 10.36% 7.95% 7.95%

Profitability

Metric NTB UBS Banks Diversified median
Gross margin 79.27% 80.29% 67.14%
Operating margin 0.00% 0.00% 0.00%
Net margin 29.20% 16.07% 18.44%
Free cash flow margin 27.86% 0.00% 0.00%
Return on equity 21.07% 10.86% 11.03%
Return on assets 1.65% 0.59% 0.80%
Return on invested capital 0.00% 2.91% 0.00%

Growth

Metric NTB UBS Banks Diversified median
Revenue growth (TTM) (0.39%) (21.66%) 5.49%
EPS growth (last fiscal year) 16.14% 55.26% 19.95%
Revenue growth, 5-year CAGR 8.27% 16.13% 14.34%
Net income growth, 5-year CAGR 9.52% 3.45% 10.77%

Health

Metric NTB UBS Banks Diversified median
Debt to equity 0.00 3.66 1.10
Current ratio 0.62 1.08 0.89
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric NTB UBS Banks Diversified median
Dividend yield 3.66% 2.26% 2.29%
Payout ratio 0.35 0.36 0.27

Size

Metric NTB UBS Banks Diversified median
Market cap 2.15b 147.79b 155.56b

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