The Bank of N.T. Butterfield & Son Limited

The Bank of N.T. Butterfield & Son Limited

NTBยทNYSE

$55.66

-3.7%
Financial ServicesBanks - Diversified

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.

At a Glance

Live Snapshot
Market Cap$2.20B
EPS5.6100
P/E Ratio9.92
Earnings Date07/27/2026
3Y+27.0%
5Y+49.0%
10Y+57.0%
3Y-65.0%
5Y-345.0%
10Y-109.0%
3Y+47.0%
5Y-236.0%
10Y-179.0%
NTB

The Bank of N.T. Butterfield & Son Limited Cash Conversion Engine

NTB ยท NYSE
Net Income231.90M
Depreciation & Amortization0.00
Stock-Based Compensation0.00
Change in Working Capital-11.51M
Others59.17M
Capital Expenditures-24.75M
Free Cash Flow254.81M

Cash Flow Quality Analysis

FCF Conversion Rate

109.9%

Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.

CapEx Intensity

8.9%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

+4.5%

Flat FCF growth. Stable but not expandingโ€”monitor for signs of business maturity or temporary headwinds.

Working Capital Impact

-$11.51M

Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.

Cash Flow Quality Insight

Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.

The Bank of N.T. Butterfield & Son Limited Cash Flow Statement

NTB โ€ข NYSE

The Bank of N.T. Butterfield & Son Limited Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 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

SEC Filings

NTB - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
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
Showing 1 to 10 of 138 filings