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The Bank of N.T. Butterfield & Son Limited (NTB)
Financial Services · Banks - Diversified · NYSE
The Bank of N.T. Butterfield & Son Limited revenue & earnings — last 4 fiscal years
| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Revenue | $551.62M | $583.22M | $581.98M | $606.81M |
| Gross profit | — | — | — | — |
| Net income | $214.02M | $225.49M | $216.32M | $231.94M |
| Net margin | 38.8% | 38.7% | 37.2% | 38.2% |
Source: The Bank of N.T. Butterfield & Son Limited SEC filings (10-K).
What growth is priced into NTB stock?
At today's market cap of $2.34B, The Bank of N.T. Butterfield & Son Limited is priced for free-cash-flow growth of about -3.1% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $254.81M from the FY ending 2025-12-31). This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 4 years of The Bank of N.T. Butterfield & Son Limited financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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The Bank of N.T. Butterfield & Son Limited financial history by metric
About The Bank of N.T. Butterfield & Son Limited
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. The company offers retail and corporate checking, savings, and term deposits. It also provides lending products and services, including residential mortgage lending, automobile lending, credit cards, consumer financing, overdraft facilities to retail customers, commercial real estate lending, and commercial and industrial loans. In addition, the company offers cash and liquidity management, foreign exchange, custody administration, and settlement services. Further, it provides personal and business deposit services, residential and commercial mortgages, small and medium-sized enterprise and corporate loans, credit and debit cards, merchant acquiring, and mobile and internet banking services; and treasury services, wealth management, and fiduciary services. Additionally, the company offers discretionary investment management, managed portfolio services, money market, and mutual fund offerings, as well as advisory and self-directed brokerage options. It operates through offices in the Cayman Islands, Guernsey, Jersey, the United Kingdom, The Bahamas, Hong Kong, Switzerland, Singapore, Mauritius, and Canada, as well as Bermuda. The Bank of N.T. Butterfield & Son Limited was founded in 1784 and is headquartered in Hamilton, Bermuda.
The Bank of N.T. Butterfield & Son Limited — frequently asked questions
What is The Bank of N.T. Butterfield & Son Limited's revenue?
The Bank of N.T. Butterfield & Son Limited (NTB) reported revenue of $606.81M for fiscal year 2025, up 4.3% from the prior year, according to its SEC filings.
Is The Bank of N.T. Butterfield & Son Limited profitable?
Yes. NTB earned net income of $231.94M in fiscal 2025, a net margin of 38.2%.
What is NTB's P/E ratio?
The Bank of N.T. Butterfield & Son Limited trades at a price-to-earnings ratio of about 10.2 based on the latest data in our nightly-refreshed cache.
How fast is The Bank of N.T. Butterfield & Son Limited growing?
NTB's revenue grew at roughly 3.2% per year over the last five fiscal years (compound annual growth rate), computed from SEC-filed statements.
How much debt does The Bank of N.T. Butterfield & Son Limited have?
As of fiscal year 2025, NTB carried roughly $0 in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is The Bank of N.T. Butterfield & Son Limited's market cap?
The Bank of N.T. Butterfield & Son Limited (NTB) has a market capitalization of about $2.34B, based on the latest data in our nightly-refreshed cache.
When does The Bank of N.T. Butterfield & Son Limited's fiscal year end?
NTB's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into NTB stock?
At today's market cap of $2.34B, The Bank of N.T. Butterfield & Son Limited is priced for free-cash-flow growth of about -3.1% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $254.81M from the FY ending 2025-12-31).
Where does this data come from?
All figures are computed from The Bank of N.T. Butterfield & Son Limited's official SEC filings (10-K and 10-Q), covering 4 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.