BANK OF N.T. BUTTERFIELD&SON(NYSE:NTB) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to NTB. NTB was compared to 398 industry peers in the Banks industry. While NTB is still in line with the averages on profitability rating, there are concerns on its financial health. NTB has a valuation in line with the averages, but on the other hand it scores bad on growth. NTB also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year NTB was profitable.

NTB had a positive operating cash flow in the past year.

NTB had positive earnings in each of the past 5 years.

In the past 5 years NTB always reported a positive cash flow from operatings.

1.2 Ratios

With an excellent Return On Assets value of 1.52%, NTB belongs to the best of the industry, outperforming 90.70% of the companies in the same industry.

NTB's Return On Equity of 21.19% is amongst the best of the industry. NTB outperforms 97.74% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.52%
ROE	21.19%
ROIC	N/A

ROA(3y)1.57%

ROA(5y)1.35%

ROE(3y)22.8%

ROE(5y)20.01%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

The Profit Margin of NTB (37.19%) is better than 93.72% of its industry peers.

In the last couple of years the Profit Margin of NTB has grown nicely.

The Operating Margin and Gross Margin are not available for NTB so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	37.19%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y4.31%

PM growth 5Y2.26%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

NTB does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, NTB has less shares outstanding

Compared to 5 years ago, NTB has less shares outstanding

NTB has a worse debt/assets ratio than last year.

2.2 Solvency

NTB has a debt to FCF ratio of 0.78. This is a very positive value and a sign of high solvency as it would only need 0.78 years to pay back of all of its debts.

With a decent Debt to FCF ratio value of 0.78, NTB is doing good in the industry, outperforming 79.15% of the companies in the same industry.

A Debt/Equity ratio of 0.19 indicates that NTB is not too dependend on debt financing.

NTB has a Debt to Equity ratio (0.19) which is comparable to the rest of the industry.

		Industry Rank	Sector Rank
Debt/Equity	0.19
Debt/FCF	0.78
Altman-Z	N/A

ROIC/WACCN/A

WACC18.27%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

NTB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 9.89%, which is quite good.

NTB shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.49% yearly.

Looking at the last year, NTB shows a decrease in Revenue. The Revenue has decreased by -0.25% in the last year.

The Revenue has been growing slightly by 1.78% on average over the past years.

EPS 1Y (TTM)9.89%

EPS 3Y13.25%

EPS 5Y7.49%

EPS Q2Q%15.04%

Revenue 1Y (TTM)-0.25%

Revenue growth 3Y5.41%

Revenue growth 5Y1.78%

Sales Q2Q%3.5%

3.2 Future

The Earnings Per Share is expected to grow by 6.28% on average over the next years.

The Revenue is expected to grow by 1.22% on average over the next years.

EPS Next Y-1.67%

EPS Next 2Y3.06%

EPS Next 3Y6.28%

EPS Next 5YN/A

Revenue Next Year-0.03%

Revenue Next 2Y0.38%

Revenue Next 3Y1.22%

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

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4. Valuation

4.1 Price/Earnings Ratio

NTB is valuated reasonably with a Price/Earnings ratio of 8.05.

NTB's Price/Earnings ratio is rather cheap when compared to the industry. NTB is cheaper than 90.70% of the companies in the same industry.

NTB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.79.

Based on the Price/Forward Earnings ratio of 7.86, the valuation of NTB can be described as very cheap.

Based on the Price/Forward Earnings ratio, NTB is valued cheaper than 83.17% of the companies in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 21.38. NTB is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	8.05
Fwd PE	7.86

4.2 Price Multiples

NTB's Price/Free Cash Flow ratio is rather cheap when compared to the industry. NTB is cheaper than 83.92% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	7.03
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)1.08

EPS Next 2Y3.06%

EPS Next 3Y6.28%

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5. Dividend

5.1 Amount

NTB has a Yearly Dividend Yield of 4.60%, which is a nice return.

Compared to an average industry Dividend Yield of 3.58, NTB pays a bit more dividend than its industry peers.

NTB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.51.

		Industry Rank	Sector Rank
Dividend Yield	4.6%

5.2 History

The dividend of NTB has a limited annual growth rate of 0.17%.

NTB has paid a dividend for at least 10 years, which is a reliable track record.

As NTB did not decrease their dividend in the past 5 years, we can say the dividend looks stable.

Dividend Growth(5Y)0.17%

Div Incr Years0

Div Non Decr Years8

5.3 Sustainability

NTB pays out 36.79% of its income as dividend. This is a sustainable payout ratio.

NTB's earnings are growing more than its dividend. This makes the dividend growth sustainable.

DP36.79%

EPS Next 2Y3.06%

EPS Next 3Y6.28%

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BANK OF N.T. BUTTERFIELD&SON

NYSE:NTB (4/25/2025, 4:27:03 PM)

After market: 39.38 0 (0%)

39.38

+0.28 (+0.72%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-23 2025-04-23/amc

Earnings (Next)07-21 2025-07-21/amc

Inst Owners69.15%

Inst Owner Change-0.56%

Ins Owners1.18%

Ins Owner ChangeN/A

Market Cap1.71B

Analysts77.5

Price Target45.39 (15.26%)

Short Float %0.58%

Short Ratio1.29

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.6%

Yearly Dividend1.75

Dividend Growth(5Y)0.17%

DP36.79%

Div Incr Years0

Div Non Decr Years8

Ex-Date02-24 2025-02-24 (0.44)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)7.07%

Min EPS beat(2)0.75%

Max EPS beat(2)13.4%

EPS beat(4)4

Avg EPS beat(4)8.09%

Min EPS beat(4)0.75%

Max EPS beat(4)15.22%

EPS beat(8)6

Avg EPS beat(8)3.45%

EPS beat(12)10

Avg EPS beat(12)4.65%

EPS beat(16)12

Avg EPS beat(16)3.66%

Revenue beat(2)1

Avg Revenue beat(2)2.23%

Min Revenue beat(2)-0.83%

Max Revenue beat(2)5.3%

Revenue beat(4)3

Avg Revenue beat(4)2.13%

Min Revenue beat(4)-0.83%

Max Revenue beat(4)5.3%

Revenue beat(8)5

Avg Revenue beat(8)0.59%

Revenue beat(12)8

Avg Revenue beat(12)0.81%

Revenue beat(16)10

Avg Revenue beat(16)0.52%

PT rev (1m)0%

PT rev (3m)5.95%

EPS NQ rev (1m)0.2%

EPS NQ rev (3m)6.96%

EPS NY rev (1m)0.76%

EPS NY rev (3m)8.56%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)2.74%

Revenue NY rev (1m)0%

Revenue NY rev (3m)3.16%

Valuation

		Industry Rank	Sector Rank
PE	8.05
Fwd PE	7.86
P/S	2.95
P/FCF	7.03
P/OCF	6.46
P/B	1.68
P/tB	1.84
EV/EBITDA	N/A

EPS(TTM)4.89

EY12.42%

EPS(NY)5.01

Fwd EY12.73%

FCF(TTM)5.6

FCFY14.22%

OCF(TTM)6.1

OCFY15.48%

SpS13.36

BVpS23.45

TBVpS21.39

PEG (NY)N/A

PEG (5Y)1.08

Profitability

		Industry Rank	Sector Rank
ROA	1.52%
ROE	21.19%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	37.19%
GM	N/A
FCFM	41.94%

ROA(3y)1.57%

ROA(5y)1.35%

ROE(3y)22.8%

ROE(5y)20.01%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y4.31%

PM growth 5Y2.26%

GM growth 3YN/A

GM growth 5YN/A

F-Score5

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.19
Debt/FCF	0.78
Debt/EBITDA	N/A
Cap/Depr	51.07%
Cap/Sales	3.7%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	112.75%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC18.27%

ROIC/WACCN/A

Cap/Depr(3y)89.29%

Cap/Depr(5y)64.69%

Cap/Sales(3y)5.96%

Cap/Sales(5y)5.03%

Profit Quality(3y)103.92%

Profit Quality(5y)114.09%

High Growth Momentum

Growth

EPS 1Y (TTM)9.89%

EPS 3Y13.25%

EPS 5Y7.49%

EPS Q2Q%15.04%

EPS Next Y-1.67%

EPS Next 2Y3.06%

EPS Next 3Y6.28%

EPS Next 5YN/A

Revenue 1Y (TTM)-0.25%

Revenue growth 3Y5.41%

Revenue growth 5Y1.78%

Sales Q2Q%3.5%

Revenue Next Year-0.03%

Revenue Next 2Y0.38%

Revenue Next 3Y1.22%

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-0.86%

FCF growth 3Y1.16%

FCF growth 5Y1.46%

OCF growth 1Y-11.61%

OCF growth 3Y1.84%

OCF growth 5Y1.24%

BANK OF N.T. BUTTERFIELD&SON (NTB) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens