← Bank of N.T. Butterfield & Son Ltd NTB
Market Price
$63.98
Market Cap
$2.53B
P/E Ratio
11.70
Revenue (FY 2025)
↑4.6% YoY
$606.79M
3-Yr CAGR: 3.4%
Net Income
↑7.2% YoY
$231.94M
Net Margin: 38.2%
Free Cash Flow
↑4.3% YoY
$254.81M
FCF Yield: 10.08%
EPS (Diluted)
↑16.1% YoY
$5.47
Basic: $5.61
Return on Equity
Efficiency
20.3%
ROA: 1.6%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (NTB)
All monetary values in millions ($M)| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2016 | $401.6M | — | $385.1M | $115.9M | — | $1.18 | — | $178.2M | $178.2M | — |
| FY 2017 | $453.4M | +12.9% | $437.5M | $153.3M | +32.2% | $2.76 | +133.9% | $241.7M | $241.7M | +35.6% |
| FY 2018 | $517.8M | +14.2% | $493.2M | $195.2M | +27.4% | $3.50 | +26.8% | $296.3M | $296.3M | +22.6% |
| FY 2019 | $532.6M | +2.9% | $473.3M | $177.1M | -9.3% | $3.30 | -5.7% | $249.6M | $249.6M | -15.8% |
| FY 2020 | $494.2M | -7.2% | $459.8M | $147.2M | -16.9% | $2.90 | -12.1% | $188.2M | $188.2M | -24.6% |
| FY 2021 | $499.7M | +1.1% | $474.6M | $162.7M | +10.5% | $3.26 | +12.4% | $251.3M | $251.3M | +33.6% |
| FY 2022 | $549.3M | +9.9% | $494.5M | $214.0M | +31.6% | $4.29 | +31.6% | $219.3M | $192.4M | -23.5% |
| FY 2023 | $578.6M | +5.3% | $399.9M | $225.5M | +5.4% | $4.58 | +6.8% | $300.3M | $273.4M | +42.1% |
| FY 2024 | $579.9M | +0.2% | $345.4M | $216.3M | -4.1% | $4.71 | +2.8% | $265.4M | $244.4M | -10.6% |
| FY 2025 | $606.8M | +4.6% | $413.8M | $231.9M | +7.2% | $5.47 | +16.1% | $279.6M | $254.8M | +4.3% |
Valuation
Market Price
$63.98
Market Cap
$2.53B
Enterprise Value
$817.82M
P/E Ratio
11.70
P/B Ratio
2.22
FCF Yield
10.08%
Dividend Yield
2.94%
Shares Outstanding
Profitability & Margins
Gross Margin
68.19%
Operating Margin
10.74%
Net Margin
38.22%
Return on Equity (ROE)
20.31%
Return on Assets (ROA)
1.65%
Asset Turnover
0.04x
Revenue 3-Yr CAGR
3.37%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
0.000
Debt / Assets
0.000
Cash & Equivalents
$1.71B
Total Debt
N/A
Book Value / Share
$28.83
Cash Flow Efficiency
Operating Cash Flow
$279.56M
Capital Expenditures (CapEx)
$24.75M
Free Cash Flow
$254.81M
OCF / Revenue
46.07%
FCF / Revenue
41.99%
FCF 3-Yr CAGR
9.82%
Per Share Metrics
EPS (Diluted)
$5.47
EPS (Basic)
$5.61
Dividends / Share
$1.88
Book Value / Share
$28.83
EPS YoY Growth
16.14%
Balance Sheet (FY 2025)
Total Assets
$14.09B
Total Liabilities
$12.95B
Stockholders' Equity
$1.14B
Current Assets
N/A
Current Liabilities
N/A