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+32.0%
5Y+59.0%
10Y+97.0%
3Y+8.0%
5Y+58.0%
10Y+100.0%
3Y+27.0%
5Y+49.0%
10Y+57.0%
The Bank of N.T. Butterfield & Son Limited

The Bank of N.T. Butterfield & Son Limited Profit Bridge

NTB ยท NYSE
Revenue799.84M
Cost of Goods Sold (193.25M)
Gross Profit606.70M
Operating Expenses (368.83M)
Operating Income238.00M
Interest Expense (193.03M)
Other Income/Expense0.00
Pretax Income238.00M
Income Tax (6.00M)
Net Income231.90M
Net Income
231.90M

Profitability Analysis

Gross Margin

75.9%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

29.8%

Outstanding operational efficiency. The company generates substantial profit from core operations.

Net Profit Margin

29.0%

Exceptional profitability. The company converts a significant portion of revenue to bottom-line earnings.

Effective Tax Rate

2.5%

Below-average tax rate suggests effective tax planning, favorable jurisdictions, or tax credits.

Profitability Insight

Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.

The Bank of N.T. Butterfield & Son Limited Income Statement

NTB โ€ข NYSE

The Bank of N.T. Butterfield & Son Limited Income StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012
REVENUE
799.8M
816.5M
761.9M
606.4M
521.5M
502.1M
532.1M
510.8M
448.8M
407M
374.1M
389.9M
341.7M
331.9M
GROSS PROFIT
(193.2M)
(236.2M)
(183.1M)
(57.2M)
(22M)
(0.0)
(0.0)
(0.0)
(8K)
(401K)
(338K)
(451K)
(0.0)
(0.0)
606.7M
580.3M
578.8M
549.2M
499.6M
502.1M
532.1M
510.8M
448.8M
406.6M
373.8M
389.4M
341.7M
331.9M
OPERATING INCOME
(368.8M)
(359.5M)
(352.5M)
(331.5M)
(333.8M)
(502.1M)
(532.1M)
(224.9M)
(214.3M)
(202.9M)
(196.2M)
(191.1M)
(262.6M)
(308.1M)
(192.3M)
(183.8M)
(188.1M)
(176.7M)
(169.8M)
(181.8M)
(195.1M)
(226.2M)
(213M)
(201.9M)
(195.9M)
(190.7M)
(228.1M)
(240.6M)
238M
220.8M
226.3M
217.7M
165.8M
0.0
0.0
221.1M
153.3K
115.9K
102.3M
134.6M
82.4M
62.1M
PRE-TAX INCOME
(193M)
(234.5M)
(178.7M)
(0.0)
(0.0)
(34.4M)
(59.4M)
(24.6M)
(15.9M)
(16.4M)
(23.3M)
(26.6M)
(0.0)
(0.0)
364.1M
351.2M
367M
343.6M
299.8M
317.6M
345.7M
343M
289.7M
258.5M
239.3M
238.5M
0.0
0.0
(176.5M)
(175.7M)
(164.4M)
(154.8M)
(164M)
(320.3M)
(337M)
-900K
(1.3M)
(1M)
(338K)
(451K)
(0.0)
(0.0)
0.0
0.0
0.0
0.0
0.0
149.6M
175.7M
-42.7M
-42.6M
-47.6M
-55.4M
-39.2M
-34.6M
-38.2M
238M
220.8M
226.3M
217.7M
165.8M
149.6M
175.7M
196.5M
154.3M
116.7M
79M
108M
79.1M
23.9M
NET INCOME
(6M)
(4.5M)
(767K)
(3.7M)
(3.1M)
(2.4M)
-1.4M
(1.3M)
(1.1M)
(700K)
(1.3M)
-169K
(891K)
(5.9M)
231.9M
216.3M
225.5M
214M
162.7M
147.2M
177.1M
195.2M
153.3M
115.9M
77.7M
108.2M
58.4M
-1M

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