$55.66
-3.7%The Bank of N.T. Butterfield & Son Limited provides a range of community, commercial, and private banking services to individuals and small to medium-sized businesses. It accepts retail and corporate checking, savings, term, and interest bearing and non-interest bearing deposits, as well as certificate of deposits. The company's lending portfolio includes residential mortgage lending, automobile lending, consumer financing, credit cards, overdraft facilities, commercial real estate lending, and commercial and industrial loans. It also offers investment products and services; and cash and liquidity management, foreign exchange, custody administration, and settlement services. In addition, the company provides personal and property/auto insurance products; letters of credit; and cash management, payroll, remote banking, money market, advisory, brokerage, trust, estate, company management, and fiduciary services. Further, it offers debit cards; automated teller machines; and personal and business deposit, merchant acquiring, and mobile and internet banking services. The company operates through offices in the Cayman Islands, Guernsey, Jersey, the United Kingdom, The Bahamas, Switzerland, Singapore, Mauritius, and Canada. It also operates through 3 branches in Bermuda and 4 branches in the Cayman Islands. The Bank of N.T. Butterfield & Son Limited was founded in 1858 and is headquartered in Hamilton, Bermuda.
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
Flat FCF growth. Stable but not expandingโmonitor for signs of business maturity or temporary headwinds.
Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.
Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.
NTB โข NYSE
| The Bank of N.T. Butterfield & Son Limited Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||
231.9M | 216.3M | 225.5M | 214M | 162.7M | 147.2M | 177.1M | 195.2M | 153.3M | 115.9M | 77.7M | 108.2M | 78.2M | 25.6M | |
0.0 | 42.2M | 36.2M | 40.2M | 69.5M | 62.4M | 48.4M | 46.5M | 24M | 52.3M | 50.1M | 45.1M | 45M | 47M | |
0.0 | 0.0 | 0.0 | 0.0 | 4.5M | 8.9M | -1.6M | -8.7M | -31.5M | 1.6M | 14.1M | -215K | 0.0 | 0.0 | |
0.0 | 21M | 20.8M | 17.1M | 15.2M | 15.2M | 17.7M | 12.6M | 8.4M | 14.4M | 7.9M | 9M | 6.5M | 5.4M | |
59.2M | 2.1M | 11.3M | 2.1M | 53K | 104K | 5K | 322K | 2.4M | 1.3M | -420K | 2.9M | 16.7M | 60.4M | |
(4M) | (2.2M) | (1.9M) | (4.8M) | (463K) | (5.1M) | (2.6M) | (544K) | (696K) | (391K) | (596K) | (985K) | (0.0) | (0.0) | |
-11.5M | -16.1M | 6.5M | -54.1M | -505K | -45.8M | 8.1M | 50.4M | 36.8M | -7.4M | 6.2M | -21.2M | -27.3M | 5.4M | |
279.6M | 265.4M | 300.3M | 219.3M | 251.3M | 188.2M | 249.6M | 296.3M | 193.4M | 178.2M | 155.5M | 143.8M | 119.1M | 132.9M | |
INVESTING ACTIVITIES | ||||||||||||||
(0.0) | -21M | -26.9M | -26.9M | -15.7M | -20.6M | -22.8M | -19.8M | -14.8M | -9.8M | -1.5M | -6.1M | -19.2M | -17.8M | |
(0.0) | (0.0) | (584.1M) | (0.0) | (1.9M) | (0.0) | (2.8B) | -20.7M | -426K | -21.8M | -36.9M | -34.8M | (0.0) | (0.0) | |
(0.0) | -2.8B | (0.0) | -3B | -5.8B | -3.7B | -2.6B | -1.1B | -795.2M | -2.4B | -1.1B | -1.2B | (0.0) | (0.0) | |
0.0 | 3B | 0.0 | 3.4B | 3.9B | 3.7B | 1.4B | 1.7B | 928M | 1B | 798.7M | 476.1M | 0.0 | 0.0 | |
102.4M | -804.4M | 124.7M | -52M | 4.4M | -29.2M | -476.5M | -164.6M | -36.3M | 178.9M | 11.2M | 468.8M | 74.8M | -609.7M | |
(102.4M) | -581M | (681.8M) | (292M) | -1.9B | -41.7M | (1.1B) | (338.6M) | (81.4M) | -1.2B | -325.8M | -258.7M | (55.7M) | -627.4M | |
FINANCING ACTIVITIES | ||||||||||||||
-146.7M | -155.3M | -88.6M | -3.9M | -19.8M | -86.6M | -81.5M | -48.4M | 13K | 130M | -130.8M | -17M | -5.6M | -14.5M | |
-190M | 97.3M | -75M | 0.0 | 0.0 | 27.6M | 0.0 | 3.7M | 0.0 | 0.0 | 0.0 | -90M | -53M | 101.1M | |
-77.7M | -79.6M | -86.2M | -87.3M | -87.3M | -88.9M | -93.6M | -83.7M | -69.7M | -34M | -39.5M | -42.1M | -53.5M | -16M | |
-146.7M | -155.3M | -88.6M | -3.9M | -19.8M | -86.6M | -81.5M | -48.4M | (0.0) | (0.0) | -130.8M | -17.7M | -5.6M | -14.5M | |
-331.2M | 873.1M | -1.2B | -415.6M | 642.8M | 694.4M | -744.3M | 3.3M | -616.6M | 1.1B | 597.4M | 611.5M | 116.3M | 38.2M | |
-745.6M | 735.6M | -1.4B | -506.8M | 535.8M | 546.4M | -919.4M | -125.2M | -686.3M | 939.6M | 426.9M | 461.7M | 4.1M | 108.9M | |
CASH FLOW SUMMARY | ||||||||||||||
51.9M | -3.7M | 21.5M | -91.4M | 7.5M | 42.7M | 86.1M | 2.6M | 46.6M | -105.2M | -31M | -14M | 9M | 25.4M | |
-311.9M | 416.3M | -444.3M | -87M | -1.1B | 735.6M | 508.8M | 512.4M | -601.8M | -187.2M | 225.6M | 332.8M | 187.9M | -360.2M | |
2.1B | 1.7B | 2.1B | 2.2B | 3.3B | 2.6B | 2.1B | 1.6B | 1.2B | 2.3B | 2.1B | 1.7B | 1.5B | 1.9B | |
1.8B | 2.1B | 1.7B | 2.1B | 2.2B | 3.3B | 2.6B | 2.1B | 605M | 2.1B | 2.3B | 2.1B | 1.7B | 1.5B | |
254.8M | 243.9M | 246M | 192.4M | 235.6M | 167.6M | 226.9M | 276.5M | 178.6M | 168.4M | 154.1M | 137.6M | 100M | 115.2M |
NTB - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
6-K 6-K 2026 Q2 Q2 | May 28, 2026 | May 28, 2026 | 2026 | |
6-K 6-K 2026 Q1 Q1 | April 28, 2026 | March 31, 2026 | 2026 | |
6-K 6-K 2025 Q4 Q4 | March 02, 2026 | December 31, 2025 | 2025 | |
6-K 6-K 2026 Q1 Q1 | February 19, 2026 | February 19, 2026 | 2026 | |
20-F 20-F 2025 FY FY | February 18, 2026 | December 31, 2025 | 2025 | |
6-K 6-K 2025 Q4 Q4 | February 09, 2026 | December 31, 2025 | 2025 | |
6-K 6-K 2025 Q4 Q4 | December 08, 2025 | December 01, 2025 | 2025 | |
6-K 6-K 2025 Q3 Q3 | October 28, 2025 | September 30, 2025 | 2025 | |
6-K 6-K 2025 Q3 Q3 | September 02, 2025 | September 02, 2025 | 2025 | |
6-K 6-K 2025 Q2 Q2 | August 29, 2025 | June 30, 2025 | 2025 |
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