BANK OF N.T. BUTTERFIELD&SON

NTBNYSE

🏆 #1510 by market capEarnings Oct 27US Equity

$187.83▲ $10.31 (+5.49%)

Simulated price

1h—

24h▲ 5.5%

7d—

14d—

30d—

1y—

🏦Market Cap

$2.46B

Small Cap

📈Revenue Growth (YoY)

+47.4%

High Growth

📊Gross Margin

—

💵FCF Margin

19.7%

Healthy

⚖️P/S Ratio

2.3x

Cheap

Otter Score

Fair

No chart data available for NTB.

Trading Snapshot

Day Range: $187.20 – $191.40
52-Week Range: $40.59 – $62.55
Volume: $2.95B
Avg Volume: $2.46B
Shares Outstanding: 40.0M
Next Earnings: Sep 10, 2026

Fundamentals Snapshot

Annual Revenue: $800M
Last Q Revenue: $160M
P/E Ratio: 10.4
P/S Ratio: 2.3x
EPS (TTM): $5.69
Dividend Yield: 3.30%

Why Investors Own NTB

✓High-growth profile — revenue up -0.9% YoY with expanding US Equity exposure.
✓Healthy economics — 55% gross margin and 22% free-cash-flow margin.
✓New products and segments could unlock additional revenue streams.

⚠️ Key Risks

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

Financial Trends

Revenue (TTM)

$800M▼ −4.6% YoY

Gross Margin (TTM)

55.0%▲ +0.2% YoY

Operating Income (TTM)

$134M▼ −4.6% YoY

Free Cash Flow (TTM)

$176M▼ −4.6% YoY

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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