Bank of N.T. Butterfield & Son Ltd (NTB)
Financial Services
Banks - Diversified
61.30 $
-0.7%
vs. previous close
Closing price · As of: 31. Jul 2026
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Basics
Market Cap
The value of the entire company on the market: share price times total shares outstanding.
2.4$B
Shares Outstanding
Total number of shares issued. Price times share count gives market cap.
40Mio.
Float
Share of stock freely tradable on the market — not locked up in the hands of founders, insiders, or major shareholders.
98.1%
Beta
Volatility versus the overall market: 1 = moves like the market, 2 = twice as much, under 1 = calmer than the market.
0.5
Performance
Perf. 1M
Price performance over the last month.
4.50%
Perf. 3M
Price performance over the last 3 months.
17.00%
Perf. 6M
Price performance over the last 6 months.
19.70%
YTD Performance (%)
Price performance since the start of the year (Year to Date).
20.50%
52-Week-High Distance
How far the price sits below its highest point over the last 52 weeks. 0% means the stock is at its year high.
0.0%
Perf. 1Y
Price performance over the last 12 months.
39.46%
Perf. 3Y
Price performance over the last 3 years.
156.40%
Perf. 5Y
Price performance over the last 5 years.
105.93%
Valuation
P/E
Price-to-earnings ratio: how many years of profit does the stock cost? The lower, the cheaper the valuation. No earnings means no P/E.
–
Forward P/E
P/E based on expected earnings for the next 12 months instead of past earnings — analysts' bet on the future.
0.0
PEG
P/E divided by expected earnings growth: puts valuation in relation to growth. Around 1 is considered fair, well above that is pricey.
2.0
P/B
Price-to-book ratio: market value relative to book equity.
–
P/S
Price-to-sales ratio: market value divided by annual sales. Important for companies that aren't (yet) profitable.
3.2
EV/EBITDA
Enterprise value including debt (EV) relative to operating profit before depreciation and amortization (EBITDA) — more comparable than P/E because debt counts too. Extreme values arise when EBITDA is near zero.
0.0
Price/FCF
Market value divided by free cash flow: how many years of freely available cash does the stock cost? More honest than P/E because cash flow is harder to dress up.
9.7
Profitability
Gross Margin
Gross margin: what's left of sales after only direct production costs are deducted — the product's pricing power.
100.0%
EBIT Margin
EBIT margin: operating profit as a percentage of sales — the earning power of the core business before interest and taxes.
42.7%
Net Margin
Net margin: what's left of sales as profit after ALL costs, interest, and taxes.
39.3%
Return on Equity
Return on equity: how much profit does the company generate per year on shareholders' equity?
22.0%
Return on Assets
Return on assets: how much profit the company generates from its total assets (equity and debt combined).
1.7%
Balance Sheet & Safety
Equity Ratio
Equity ratio: equity as a share of total assets. The higher, the more resilient the balance sheet.
7.9%
Debt/Equity
Leverage ratio: financial debt divided by equity. Under 1 is generally seen as solid; negative values mean negative equity.
–
Altman Z″
Edward Altman's bankruptcy early-warning score. We use the Z″ variant, built from four balance-sheet ratios — it is designed for service companies and non-manufacturers and uses book value instead of market value. On that scale: below 1.1 = danger zone, 2.6 and up = safe zone, in between a grey area. Because the classic Altman Z is calculated differently, the two numbers are not directly comparable. The formula does not fit banks, insurers, or real-estate stocks.
0.17
Piotroski
Balance-sheet health check by Joseph Piotroski: 9 yes/no criteria on profit, cash flow, leverage, and efficiency. 7+ is very solid, under 3 is a red flag.
6 out of 9
Growth
Sales Growth Last Quarter
Sales growth in the most recently reported quarter versus the same quarter a year ago (YoY).
4.30%
EPS Growth Last Quarter
Growth in earnings per share in the most recently reported quarter versus the same quarter a year ago (YoY).
24.40%
Sales Growth (Year)
Sales growth in the last fiscal year versus the year before.
-2.04%
Forward Sales Growth
Sales growth analysts expect over the next 12 months — an estimate, not a guarantee.
87.35%
Forward EPS Growth
Earnings-per-share growth analysts expect over the next 12 months — an estimate, not a guarantee.
14.40%
Dividend
Dividend Yield
Annual dividend divided by the current price: what percentage of your investment comes back as a payout each year.
3.35%
Dividend Per Share (TTM)
Sum of dividends paid per share over the last 12 months.
2.00$
Payout Ratio
Share of profit paid out as dividends. Over 100% means the company is paying out more than it earns — not sustainable long-term.
34.1%
Years Without a Cut
How many years in a row the dividend hasn't been cut — a measure of reliability.
9Years
Increase Streak
How many years in a row the dividend has been raised — the gold standard for dividend payers.
1Years
Quality & Screener
Stage
Weinstein phases 1 through 4: 1 = basing, 2 = uptrend (the only buy phase), 3 = topping, 4 = downtrend. Measured against the 30-week line.
2
RS Rating
Relative strength from 1 to 99: an RS of 95 means the stock has outperformed 95% of all stocks.
69
EPS Rating
Earnings growth rating from 1 to 99 versus all stocks — high values mean above-average earnings growth.
68
Piotroski
Balance-sheet health check by Joseph Piotroski: 9 yes/no criteria on profit, cash flow, leverage, and efficiency. 7+ is very solid, under 3 is a red flag.
6 out of 9
Fundamental Rating
Our own Fundamental Rating: 0 to 100 points with an A+ to F grade. 50 points is the average across the universe, 100 the best possible score. It scores growth, earnings surprises, analyst estimates, margins, cash flow, and balance-sheet safety — every stock percentile-ranked against all others. Grades: A+ from 95, A from 75, B from 55, C from 45, D from 25, E from 5, F below.
B (64 out of 100)
Altman Z″
Edward Altman's bankruptcy early-warning score. We use the Z″ variant, built from four balance-sheet ratios — it is designed for service companies and non-manufacturers and uses book value instead of market value. On that scale: below 1.1 = danger zone, 2.6 and up = safe zone, in between a grey area. Because the classic Altman Z is calculated differently, the two numbers are not directly comparable. The formula does not fit banks, insurers, or real-estate stocks.
0.17
AI Rating
–Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built
Analysts & Price Target
Current Price
61.30 $
Price Target (average)
61.33 $
The price target sits 0.0% above the current price.
- Consensus
- Strong Buy
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 1.37 | 23.00 | 209 | 44.40 | 28.50 | 36 | 28 |
| 2025: Q1 | 1.23 | 8.90 | 199 | 0.20 | 27.10 | 63 | 55 |
| 2025: Q2 | 1.25 | 14.40 | 198 | -2.60 | 26.90 | 101 | 94 |
| 2025: Q3 | 1.43 | 23.80 | 201 | -2.60 | 30.50 | 52 | 47 |
| 2025: Q4 | 1.54 | 12.40 | 203 | -2.90 | 31.40 | 64 | 59 |
| 2026: Q1 | 1.53 | 24.20 | 156 | -21.40 | 40.20 | 59 | 50 |
What Do These Terms Mean?
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
About the Company
The Bank of N. T.
| Employees | 1,299 |
|---|---|
| Headquarters | Hamilton, Bermuda |
| Website | butterfieldgroup.com |
| IPO Date | 16. Sep 2016 |
Management
| Name | Title | Birth Year |
|---|---|---|
| Michael Weld Collins | Chairman & CEO | 1963 |
| Michael L. Schrum C.F.A. | President, Group CFO & Executive Director | 1968 |
| Michael Neff | Group Chief Operating Officer | 1963 |
| Noah Fields | Head of Investor Relations | – |
| Meredith Steinhaus | Interim General Counsel | – |
| Kevin Dallas | Group Chief Experience Officer and Group Head of Marketing & Communications | 1979 |
| Alexander Roberts Huxley Twerdahl | Head of Strategy & Corporate Development | – |
| M. Sean Lee | Group Head of Human Resources | 1965 |
| Michael A. McWatt | Managing Director of Butterfield Bank (Cayman) Limited | 1965 |
| Richard Saunders BSc (Hons) | Managing Director of Channel Islands & UK | 1969 |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Insider Transactions
| Date | Person | Role | Type | Shares | Price | Value |
|---|---|---|---|---|---|---|
| 31. Jul 2026 | Saunders Richard | Managing Director, CIUK | Sell | 18,118 | 61.33 | 1,111,092 |
| 30. Jul 2026 | Hidalgo Tara | Chief Risk Officer | Sell | 18,587 | 61.27 | 1,138,770 |
| 30. Jul 2026 | Burns Andrew Ronald | Chief Risk Officer, Cayman | Sell | 18,566 | 61.27 | 1,137,485 |
| 29. Jul 2026 | Feldman Jody Terence | Managing Director, Bermuda | Sell | 7,500 | 59.94 | 449,535 |
Reportable transactions by officers and major shareholders from SEC Form 4 filings. "Other" includes things like stock grants and option exercises without a buy/sell character.
View all insider transactions →Chart
Interactive price chart (TradingView).
Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.