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NTB · NYSE · United States · Commercial Banks, Nec
In shortBank of N.T. Butterfield & Son Ltd is profitable.
Financial health
Strong
Built from five areas over the last five annual reports. Tap an area to see the figures behind it. Bank or insurer: tests that do not apply to them are left out.
| Operating marginShare of each sale left after running the business, before interest and tax. | – | n/a |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | 38.2% | 100/100 |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | 21.4% | 100/100 |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | 46.1% | n/a |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | 1.21× | n/a |
| Years with positive free cash flow (last 5) | 5 of 5 | n/a |
Weight in the score: 20%
| Profitable years (last 5) | 5 of 5 | 100/100 |
|---|---|---|
| Years of revenue decline (last 5) | 0 of 5 | 100/100 |
| Revenue growth volatility | 3.9% | 97/100 |
| Operating margin volatility | – | n/a |
Weight in the score: 20%
| Revenue growth, 3-year average | 3.4% | 35/100 |
|---|---|---|
| EPS growth, 3-year average | 8.4% | 67/100 |
Weight in the score: 10%
Fiscal year 2025 · change vs prior year
Annual figures as reported. Hover a bar or point for the exact value.
5 older years available with the 10-year history. Essential plan, from €8.25/month →
The last 5 fiscal years from the company's annual reports.
USD millions; negative values in parentheses.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | 500 | 549 | 579 | 580 | 607 |
| Interest expense | 25 | 55 | 179 | – | – |
| Pre-tax income | 166 | 218 | 226 | 221 | 238 |
| Income tax | 3.1 | 3.7 | 0.8 | 4.5 | 6 |
| Net income | 163 | 214 | 225 | 216 | 232 |
| Diluted EPS | $3.26 | $4.29 | $4.58 | $4.71 | $5.47 |
5 older years available with the 10-year history. Essential plan, from €8.25/month →
Not computed: the model does not apply to banks and insurers.
Not computed: it needs two consecutive complete years.
All figures: SEC EDGAR. Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works
Latest annual report: Dec 31, 2025 · Data updated Feb 18, 2026