Price Alert

Bank of N.T. Butterfield ... (NTB)

NYSE: NTB · Real-Time Price · USD

43.70

-1.25 (-2.78%)

At close: Aug 15, 2025, 3:59 PM

43.72

0.05%

After-hours: Aug 15, 2025, 05:51 PM EDT

Bank of N.T. Butterfield & Son Statistics

Share Statistics

Bank of N.T. Butterfield & Son has 41.2M shares outstanding. The number of shares has increased by -11.47% in one year.

Shares Outstanding	41.2M
Shares Change (YoY)	-11.47%
Shares Change (QoQ)	-11.47%
Owned by Institutions (%)	70.58%
Shares Floating	40.75M
Failed to Deliver (FTD) Shares	680
FTD / Avg. Volume	0.42%

Short Selling Information

The latest short interest is 321.14K, so 0.75% of the outstanding shares have been sold short.

Short Interest	321.14K
Short % of Shares Out	0.75%
Short % of Float	0.76%
Short Ratio (days to cover)	2.33

Valuation Ratios

The PE ratio is 7.61 and the forward PE ratio is 8.64. Bank of N.T. Butterfield & Son's PEG ratio is 1.95.

PE Ratio	7.61
Forward PE	8.64
PS Ratio	2.83
Forward PS	3.1
PB Ratio	1.61
P/FCF Ratio	6.75
PEG Ratio	1.95

Financial Ratio History

Enterprise Valuation

Bank of N.T. Butterfield & Son has an Enterprise Value (EV) of -252.35M.

EV / Sales	-0.43
EV / EBITDA	-1.14
EV / EBIT	-0.95
EV / FCF	-1.03

Financial Position

The company has a current ratio of 0.56, with a Debt / Equity ratio of 0.1.

Current Ratio	0.56
Quick Ratio	0.56
Debt / Equity	0.1
Debt / EBITDA	0.45
Debt / FCF	0.4
Interest Coverage	0

Financial Efficiency

Return on Equity is 21.19% and Return on Invested Capital is -6.01%.

Return on Equity	21.19%
Return on Assets	1.52%
Return on Invested Capital	-6.01%
Revenue Per Employee	$449.11K
Profits Per Employee	$167.03K
Employee Count	1,295
Asset Turnover	0.04
Inventory Turnover	n/a

Taxes

Income Tax	4.5M
Effective Tax Rate	2.04%

Stock Price Statistics

The stock price has increased by 29.71% in the last 52 weeks. The beta is 0.61, so Bank of N.T. Butterfield & Son's price volatility has been higher than the market average.

Beta	0.61
52-Week Price Change	29.71%
50-Day Moving Average	44.5
200-Day Moving Average	39.79
Relative Strength Index (RSI)	49.43
Average Volume (20 Days)	160,873

Income Statement

In the last 12 months, Bank of N.T. Butterfield & Son had revenue of 581.6M and earned 216.3M in profits. Earnings per share was 4.8.

Revenue	581.6M
Gross Profit	n/a
Operating Income	220.8M
Net Income	216.3M
EBITDA	220.8M
EBIT	220.8M
Earnings Per Share (EPS)	4.8

Full Income Statement

Balance Sheet

The company has 2B in cash and 98.72M in debt, giving a net cash position of 1.9B.

Cash & Cash Equivalents	2B
Total Debt	98.72M
Net Cash	1.9B
Retained Earnings	422.46M
Total Assets	14.19B
Working Capital	n/a

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 265.43M and capital expenditures -21.53M, giving a free cash flow of 243.9M.

Operating Cash Flow	265.43M
Capital Expenditures	-21.53M
Free Cash Flow	243.9M
FCF Per Share	5.41

Full Cash Flow Statement

Margins

Gross Margin	n/a
Operating Margin	37.96%
Pretax Margin	37.96%
Profit Margin	37.19%
EBITDA Margin	37.96%
EBIT Margin	37.96%
FCF Margin	41.94%

Dividends & Yields

NTB pays an annual dividend of $1.82, which amounts to a dividend yield of 4.04%.

Dividend Per Share	$1.82
Dividend Yield	4.04%
Dividend Growth (YoY)	0%
Payout Ratio	36.69%
Earnings Yield	13.13%
FCF Yield	14.81%

Dividend Details

Analyst Forecast

The average price target for NTB is $50, which is 11.4% higher than the current price. The consensus rating is "Buy".

Price Target	$50
Price Target Difference	11.4%
Analyst Consensus	Buy
Analyst Count	3

Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value	$50.54
Lynch Upside	12.61%
Graham Number	49.46
Graham Upside	10.2%

Scores

Altman Z-Score	0.24
Piotroski F-Score	7