Bank of N.T. Butterfield & Son Ltd (NTB)
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 61.30 $ — 95% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/03/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
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
Growth Score
6 of 10 Solid growthTen checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 9.7% failed
- More than 10% revenue growth is expected for the coming year 87.4% passed
- Share count grows by less than 3% a year -5.3% passed
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 29.8% failed
- Gross margin at 40% or higher and without meaningful erosion 75.9% passed
- Goodwill from acquisitions does not grow faster than revenue 0.2% passed
- Net debt below twice EBITDA 2,663 m net cash passed
- Operating cash flow covers the profits of the last three years 172 m passed
- Return on capital at 15% or higher, or up versus two years ago 1.7% failed
- Insiders hold at least 10% or are net buyers 1.2% failed
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Analysts & Price Target
The price target sits 4.4% above the current price.
- Consensus
- Sell
- Analyst Ratings
- 4
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.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 6.29 | 6.25 – 6.32 | 639 | 12.3% | 3 |
| 12/31/2027 | 7.21 | 7.14 – 7.35 | 1,199 | 14.7% | 3 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
Click the chart or tab into it, then use ← and → to step through the periods.
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· Total · per year
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The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($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 |
- 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.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2016 | 407 | 0 | 116 | 2.34 | 178 | 711 | 11,104 |
| 2017 | 449 | 0 | 153 | 2.76 | 193 | 823 | 10,779 |
| 2018 | 511 | 221 | 195 | 3.50 | 296 | 882 | 10,773 |
| 2019 | 532 | 176 | 177 | 3.30 | 250 | 964 | 13,922 |
| 2020 | 502 | 150 | 147 | 2.90 | 188 | 982 | 14,739 |
| 2021 | 522 | 166 | 163 | 3.26 | 251 | 977 | 15,335 |
| 2022 | 606 | 218 | 214 | 4.29 | 219 | 865 | 14,306 |
| 2023 | 762 | 226 | 225 | 4.58 | 300 | 1,004 | 13,374 |
| 2024 | 817 | 221 | 216 | 4.80 | 265 | 1,021 | 14,231 |
| 2025 | 800 | 238 | 232 | 5.47 | 280 | 1,142 | 14,095 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
The Bank of N. T.
| Employees | 1,299 |
|---|---|
| Headquarters | Hamilton, Bermuda |
| Address | 65 Front Street, HM 12 Hamilton, Bermuda |
| Phone | 441 295 1111 |
| Website | butterfieldgroup.com |
| IPO Date | 16. Sep 2016 |
| ISIN | BMG0772R2087 |
| Stock Split | 1:10 on 09/06/2016 |
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.