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

Fundamental Rating

NTB gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 401 industry peers in the Banks industry. NTB has only an average score on both its financial health and profitability. NTB has a valuation in line with the averages, but it does not seem to be growing. Finally NTB also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year NTB was profitable.

In the past year NTB had a positive cash flow from operations.

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

Each year in the past 5 years NTB had a positive operating cash flow.

1.2 Ratios

NTB has a better Return On Assets (1.52%) than 90.89% of its industry peers.

The Return On Equity of NTB (21.19%) is better than 97.72% 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

NTB's Profit Margin of 37.19% is amongst the best of the industry. NTB outperforms 93.42% of its industry peers.

NTB's Profit Margin has improved in the last couple of years.

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

NTB has less shares outstanding than it did 5 years ago.

The debt/assets ratio for NTB is higher compared to a year ago.

2.2 Solvency

The Debt to FCF ratio of NTB is 0.78, which is an excellent value as it means it would take NTB, only 0.78 years of fcf income to pay off all of its debts.

NTB has a better Debt to FCF ratio (0.78) than 80.76% of its industry peers.

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 in line with its industry peers.

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

ROIC/WACCN/A

WACC17.93%

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 small growth in Earnings Per Share. In the last year, the EPS has grown by 3.51%.

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 -0.26% in the last year.

Measured over the past years, NTB shows a small growth in Revenue. The Revenue has been growing by 1.78% on average per year.

EPS 1Y (TTM)3.51%

EPS 3Y13.25%

EPS 5Y7.49%

EPS Q2Q%20.72%

Revenue 1Y (TTM)-0.26%

Revenue growth 3Y5.41%

Revenue growth 5Y1.78%

Sales Q2Q%4.69%

3.2 Future

The Earnings Per Share is expected to grow by 2.48% on average over the next years.

The Revenue is expected to grow by 0.59% on average over the next years.

EPS Next Y-2.42%

EPS Next 2Y2.48%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year-0.09%

Revenue Next 2Y0.59%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

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

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 8.09.

91.39% of the companies in the same industry are more expensive than NTB, based on the Price/Earnings ratio.

Compared to an average S&P500 Price/Earnings ratio of 29.75, NTB is valued rather cheaply.

With a Price/Forward Earnings ratio of 8.29, the valuation of NTB can be described as very reasonable.

Compared to the rest of the industry, the Price/Forward Earnings ratio of NTB indicates a rather cheap valuation: NTB is cheaper than 88.35% of the companies listed in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 22.44. NTB is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	8.09
Fwd PE	8.29

4.2 Price Multiples

NTB's Price/Free Cash Flow ratio is rather cheap when compared to the industry. NTB is cheaper than 85.82% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	7.17
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)1.08

EPS Next 2Y2.48%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.52%, NTB is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 3.25, NTB pays a better dividend. On top of this NTB pays more dividend than 84.81% of the companies listed in the same industry.

Compared to an average S&P500 Dividend Yield of 2.30, NTB pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.52%

5.2 History

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

NTB has been paying a dividend for at least 10 years, so it has 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.

The dividend of NTB is growing, but earnings are growing more, so the dividend growth is sustainable.

DP36.79%

EPS Next 2Y2.48%

EPS Next 3YN/A

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BANK OF N.T. BUTTERFIELD&SON

NYSE:NTB (3/4/2025, 12:54:03 PM)

38.205

-0.66 (-1.71%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)02-10 2025-02-10/amc

Earnings (Next)04-21 2025-04-21/amc

Inst Owners69.15%

Inst Owner Change1.05%

Ins Owners1.18%

Ins Owner ChangeN/A

Market Cap1.75B

Analysts77.5

Price Target45.39 (18.81%)

Short Float %0.36%

Short Ratio0.83

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.52%

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)6.59%

PT rev (3m)5.95%

EPS NQ rev (1m)9.57%

EPS NQ rev (3m)6.74%

EPS NY rev (1m)9.82%

EPS NY rev (3m)7.74%

Revenue NQ rev (1m)2.73%

Revenue NQ rev (3m)2.74%

Revenue NY rev (1m)2.98%

Revenue NY rev (3m)3.16%

Valuation

		Industry Rank	Sector Rank
PE	8.09
Fwd PE	8.29
P/S	3.01
P/FCF	7.17
P/OCF	6.59
P/B	1.71
P/tB	1.88
EV/EBITDA	N/A

EPS(TTM)4.72

EY12.35%

EPS(NY)4.61

Fwd EY12.06%

FCF(TTM)5.33

FCFY13.95%

OCF(TTM)5.8

OCFY15.18%

SpS12.7

BVpS22.3

TBVpS20.34

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

WACC17.93%

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)3.51%

EPS 3Y13.25%

EPS 5Y7.49%

EPS Q2Q%20.72%

EPS Next Y-2.42%

EPS Next 2Y2.48%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-0.26%

Revenue growth 3Y5.41%

Revenue growth 5Y1.78%

Sales Q2Q%4.69%

Revenue Next Year-0.09%

Revenue Next 2Y0.59%

Revenue Next 3YN/A

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

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