Bank of N.T. Butterfield & Son Ltd
NTB NYSE· Commercial Banks, Nec
Last close · Oct 30, 2026
$56.15
KIRA · Stoqly’s AI analyst, in plain words
- Bank of N.T. Butterfield & Son Ltd had $607M of revenue in fiscal 2025, up 4.6% on the year before. Over five years, revenue changed +4.2% a year on average.
- Bank of N.T. Butterfield & Son Ltd made $232M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 18.6% a year.
- Bank of N.T. Butterfield & Son Ltd returned $224M to shareholders in fiscal 2025.
- It earned 21.4% on shareholders’ money. Running costs took 60.8% of revenue (the efficiency ratio; lower is better).
Market cap
—
P/E
10.3x
Revenue
$607M
Net income
$232M
Return on equity
21.4%
Efficiency ratio
60.8%
Bank of N.T. Butterfield & Son Ltd in 30 seconds · fiscal 2025
Are sales growing?
+4.6%
Only a little. Sales grew 4.6% last year.
Does it make a profit?
38.2%
Yes. It keeps 38.2% of every sale as profit.
How lean are its costs?
60.8%
Average. Running costs take 60.8% of revenue.
How much does it earn on its capital?
21.4%
Good. It earns 21.4% a year on shareholders’ money.
How is the share priced?
10.3x
One share costs 10.3 times its yearly profit per share.
What Bank of N.T. Butterfield & Son Ltd does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 20-F · Feb 18, 2026
- Legal name
- Bank of N.T. Butterfield & Son Ltd
- CIK
- 0001653242
Bank of N.T. Butterfield & Son Ltd · NTB · stoqly.net
Results and finances
The last 5 fiscal years. Amounts in USD. Compiled by stoqly.net.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $500M | $549M | $579M | $580M | $607M |
| Revenue growth | 1.1% | 9.9% | 5.3% | 0.2% | 4.6% |
| Net interest income | $300M | $344M | $367M | $351M | $364M |
| Net income | $163M | $214M | $225M | $216M | $232M |
| Net margin | 32.6% | 39.0% | 39.0% | 37.3% | 38.2% |
| Diluted EPS | $3.26 | $4.29 | $4.58 | $4.71 | $5.47 |
| Cash | |||||
| Cash from operations | $251M | $219M | $300M | $265M | $280M |
| Dividends paid | $87.3M | $87.3M | $86.2M | $79.6M | $77.7M |
| Share buybacks | $19.8M | $3.9M | $88.6M | $155M | $147M |
| Debt and strength | |||||
| Cash and short-term investments | $2.2B | $2.1B | $1.6B | $2.0B | $1.7B |
| Debt incl. finance leases | $172M | $172M | $98.5M | $98.7M | $0.0M |
| Loans, net | $5.2B | $5.1B | $4.7B | $4.5B | $4.4B |
| Deposits | $13.9B | $13.0B | $12.0B | $12.7B | $12.7B |
| Shareholders' equity | $977M | $865M | $1.0B | $1.0B | $1.1B |
| Returns and quality | |||||
| Return on equity | 16.6% | 23.2% | 24.1% | 21.4% | 21.4% |
| Return on tangible equity | 17.1% | 25.4% | 23.0% | 21.7% | 20.8% |
| Efficiency ratio | 66.8% | 60.4% | 60.9% | 61.9% | 60.8% |
Insiders bought, 12 months
$0.6M
1 insider
Insiders sold, 12 months
$23.1M
9 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Bank of N.T. Butterfield & Son Ltd · NTB · stoqly.net
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $56.15 a share, the company is worth —: 10.3 times its earnings of the last four quarters.
Compiled and analysed by stoqly.net from SEC EDGAR XBRL filings (CIK 0001653242). Latest version: stoqly.net/companies/ntb. Data updated November 1, 2026. For information only — not investment advice. Check the original filings before relying on any figure.