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BANK OF N.T. BUTTERFIELD&SON

NTBNYSE
πŸ† #1879 by market capEarnings Oct 27US Equity
$58.63β–Ό $0.18 (βˆ’0.30%)
Market closed Β· at close
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24hβ–Ό 0.3%
7dβ–² 0.8%
14dβ–² 0.0%
30dβ–Ό 0.3%
ytdβ–² 17.6%
1yβ–² 36.7%
🏦Market Cap
$2.32B
Small Cap
πŸ“ˆRevenue Growth (YoY)
-2.0%
Declining
πŸ“ŠGross Margin
86.9%
High
πŸ’΅FCF Margin
29.2%
Strong
βš–οΈP/S Ratio
3.2x
Fair
Otter Score
80
Good

Trading Snapshot

Day Range
$58.43 – $59.74
52-Week Range
$40.59 – $64.17
Volume
$2.95B
Avg Volume
$2.46B
Shares Outstanding
39.6M
Next Earnings
Oct 29, 2026

Fundamentals Snapshot

Annual Revenue
$800M
Last Q Revenue
$160M
P/E Ratio
10.1
P/S Ratio
3.2x
EPS (TTM)
$5.95
Dividend Yield
3.40%
Dilution (1yr)
βˆ’4.7%

Why Investors Own NTB

  • βœ“High-growth profile β€” revenue up -0.9% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 55% gross margin and 22% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

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BANK OF N.T. BUTTERFIELD&SON

NTB
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$800Mβ–Ό βˆ’2.0% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
75.9%β–² +6.7% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$238Mβ–² +7.8% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$255Mβ–² +4.5% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
41.4Mβ–Ό βˆ’4.7% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$1.7Bβ–Ό βˆ’$98M YoY
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About BANK OF N.T. BUTTERFIELD&SON

The Bank of N.T. Butterfield & Son Limited provides a range of community, commercial, and private banking services to individuals and small to medium-sized businesses. The company offers retail and corporate checking, savings, and term deposits. It also provides lending products and services, including residential mortgage lending, automobile lending, credit cards, consumer financing, overdraft facilities to retail customers, commercial real estate lending, and commercial and industrial loans. In addition, the company offers cash and liquidity management, foreign exchange, custody administration, and settlement services. Further, it provides personal and business deposit services, residential and commercial mortgages, small and medium-sized enterprise and corporate loans, credit and debit cards, merchant acquiring, and mobile and internet banking services; and treasury services, wealth management, and fiduciary services. Additionally, the company offers discretionary investment management, managed portfolio services, money market, and mutual fund offerings, as well as advisory and self-directed brokerage options. It operates through offices in the Cayman Islands, Guernsey, Jersey, the United Kingdom, The Bahamas, Hong Kong, Switzerland, Singapore, Mauritius, and Canada, as well as Bermuda. The Bank of N.T. Butterfield & Son Limited was founded in 1784 and is headquartered in Hamilton, Bermuda.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Good
80/100

Analyst Ratings

β“˜
Consensus
Buy
7 analysts
Strong Buy1
Buy3
Hold3
Sell0
Strong Sell0
Ratings as of Sep 2026

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