EFSC vs NTB: Earnings, Dividends & Valuation

Enterprise Financial Services Corp EFSC | NASDAQ

$62.20 $0.00 | 0.00%

Dividend Safety RatingUnlock

Market Cap: $2.24 B

PE Ratio: 12.49

52-Week Range: $51.79 - $68.73

7.3-year Total Return: +82.2%

Dividend Yield (FWD): 2.32%

The Bank of N.T. Butterfield & Son Limited NTB | NYSE

$56.67 $0.00 | 0.00%

Dividend Safety RatingUnlock

Market Cap: $2.24 B

PE Ratio: 9.89

52-Week Range: $44.36 - $64.17

7.3-year Total Return: +148.3%

Dividend Yield (FWD): 3.53%

7.3-year Total Returns with DRIP & Price Chart for EFSC and NTB

1Y 2Y 5Y 10Y All

7.3-yr Total Returns EFSC vs NTB

	EFSC	NTB
Initial Balance	$10,000	$10,000
Initial Price	$39.77	$33.38
Initial Shares	251.45	299.58

Total Dividends	$1,910	$4,819
Last Dividend	$0.35	$0.5
Estimated Divs	$103 / quarter	$219 / quarter
Yield-on-Cost	3.52%	5.99%
End Shares	292.97 (+41.52)	438.22 (+138.64)
Last Shares Price	$62.2	$56.67
Total End Value	$18,222	$24,834
Total Return	+82.2%	+148.3%
Comparison start date: Jul 15, 2019

EFSC & NTB Dividend Charts

Dividend Payments & Yield - EFSC

EFSC Dividend CAGR:1Y: 12.50%2Y: 13.39%5Y: 12.47%10Y: 12.59%

Dividend Payments & Yield - NTB

NTB Dividend CAGR:1Y: 12.07%2Y: 12.07%5Y: 12.07%10Y: 12.07%

Dividend Payout Ratio - EFSC

Dividend Payout Ratio - NTB

Dividend to Free Cash Flow (FCF) Ratio - EFSC

Dividend to Free Cash Flow (FCF) Ratio - NTB

DRIPCalc Compare puts two stocks side by side: total return with DRIP, share price, dividend payments and the dividend yield curve, earnings, cash flow, debt, margins and the other ratios we track for 1000s of stocks.

You can compare any two tickers here. The dividend charts are free to view, and so are the Revenue and Earnings Per Share (EPS) charts wherever a company reports earnings. Every other chart on this page is blurred until you start a 7-day free trial.

When you sign up for DRIPCalc PRO for just $14.25/mo ~~$19/mo~~ with a 7-day Free Trial and full access, every chart on this page unlocks, for any stock or ETF in our database.

Fundamentals: Revenue, Earnings, Cash Flow, EBITDA & Shares Outstanding:

EFSC - Revenue

EFSC Revenue CAGR:1Y: 42.38%2Y: 9.82%5Y: 17.54%10Y: 18.97%

NTB - Revenue

NTB Revenue CAGR:1Y: 32.46%2Y: -1.31%5Y: 10.16%10Y: 6.83%

EFSC - Earnings Per Share (EPS)

EFSC EPS CAGR:1Y: -4.20%2Y: -7.07%5Y: 24.57%10Y: 6.81%

NTB - Earnings Per Share (EPS)

NTB EPS CAGR:1Y: 2.74%2Y: 4.64%5Y: 12.30%10Y: 0.00%

EFSC - Net Income

EFSC Net Income CAGR:1Y: -6.17%2Y: -8.40%5Y: 24.99%10Y: 13.63%

NTB - Net Income

NTB Net Income CAGR:1Y: -0.12%2Y: 1.17%5Y: 7.90%10Y: 0.00%

EFSC - EBITDA

EFSC EBITDA CAGR:1Y: -39.67%2Y: -8.18%5Y: 20.32%10Y: 11.26%

NTB - EBITDA

NTB EBITDA CAGR:1Y: 0.00%2Y: 22.81%5Y: 12.69%10Y: 39.41%

EFSC - Free Cash Flow

EFSC Free Cash Flow CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

NTB - Free Cash Flow

NTB Free Cash Flow CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

EFSC - Free Cash Flow / Share

EFSC Free Cash Flow / Share CAGR:1Y: 54.79%2Y: -8.60%5Y: 12.81%10Y: 7.09%

NTB - Free Cash Flow / Share

NTB Free Cash Flow / Share CAGR:1Y: 35.55%2Y: 53.09%5Y: 3.26%10Y: 5.39%

EFSC - Shares Outstanding

EFSC Shares Outstanding CAGR:1Y: -2.61%2Y: -1.51%5Y: -0.32%10Y: 6.04%

NTB - Shares Outstanding

NTB Shares Outstanding CAGR:1Y: -3.39%2Y: -3.49%5Y: -4.04%10Y: -2.95%

EFSC - Stock-Based Comp

EFSC Stock-Based Comp CAGR:1Y: -100.00%2Y: -100.00%5Y: -100.00%10Y: -100.00%

NTB - Stock-Based Comp

NTB Stock-Based Comp CAGR:1Y: -100.00%2Y: -100.00%5Y: -100.00%10Y: -100.00%

EFSC - Expenses

EFSC Expenses CAGR:1Y: 1.85%2Y: 6.81%5Y: 7.40%10Y: 14.51%

NTB - Expenses

NTB Expenses CAGR:1Y: 0.00%2Y: 15.59%5Y: 1.10%10Y: 3.62%

Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

EFSC - REVENUE: Actual + Estimates

EFSC Actual Revenue CAGR:1Y: 42.38%2Y: 9.82%5Y: 17.54%10Y: 18.97%

NTB - REVENUE: Actual + Estimates

NTB Actual Revenue CAGR:1Y: 32.46%2Y: -1.31%5Y: 10.16%10Y: 6.83%

EFSC - EPS: Actual + Estimates

EFSC Actual EPS CAGR:1Y: -4.20%2Y: -7.07%5Y: 24.57%10Y: 6.81%

NTB - EPS: Actual + Estimates

NTB Actual EPS CAGR:1Y: 2.74%2Y: 4.64%5Y: 12.30%10Y: 0.00%

EFSC - NET INCOME: Actual + Estimates

EFSC Actual Net Income CAGR:1Y: -6.17%2Y: -8.40%5Y: 24.99%10Y: 13.63%

NTB - NET INCOME: Actual + Estimates

NTB Actual Net Income CAGR:1Y: -0.12%2Y: 1.17%5Y: 7.90%10Y: 0.00%

EFSC - EBITDA: Actual + Estimates

EFSC Actual EBITDA CAGR:1Y: -39.67%2Y: -8.18%5Y: 20.32%10Y: 11.26%

NTB - EBITDA: Actual + Estimates

NTB Actual EBITDA CAGR:1Y: 0.00%2Y: 22.81%5Y: 12.69%10Y: 39.41%

Ratios, Profit Margins & Return on Capital:

EFSC - Net Profit Margin

EFSC Net Profit Margin CAGR:1Y: -9.05%2Y: -16.59%5Y: 6.35%10Y: -4.49%

NTB - Net Profit Margin

NTB Net Profit Margin CAGR:1Y: -1.77%2Y: 2.51%5Y: -2.05%10Y: 0.00%

EFSC - Gross Profit Margin

EFSC Gross Profit Margin CAGR:1Y: -2.19%2Y: 3.42%5Y: -2.64%10Y: -2.62%

NTB - Gross Profit Margin

NTB Gross Profit Margin CAGR:1Y: 3.79%2Y: 4.46%5Y: -4.52%10Y: -2.29%

EFSC - Price to Earnings

NTB - Price to Earnings

EFSC - Price To Sales Ratio

NTB - Price To Sales Ratio

EFSC - Return on Capital Employed

NTB - Return on Capital Employed

EFSC - Return on Invested Capital

NTB - Return on Invested Capital

Combined Charts: Earnings, Cash Flow, Valuation, Cash & Debt:

EFSC - EPS vs PE Ratio

NTB - EPS vs PE Ratio

EFSC - FCF vs FCF/Share

NTB - FCF vs FCF/Share

EFSC - EPS vs FCF per Share

NTB - EPS vs FCF per Share

EFSC - FCF vs Stock Based Comp

NTB - FCF vs Stock Based Comp

EFSC - Revenue vs Net Income

NTB - Revenue vs Net Income

EFSC - Cash & Debt

NTB - Cash & Debt

Dividend History Tables

EFSC Dividends Info:

Estimated Annual Dividend: $1.44

Forward Yield: 2.32%

Ex-Dividend Date: 2026-12-15

Lifetime Dividends / Share: $11.23

EFSC Dividend History: Dates, Payments & Yield list

Below is a schedule of all EFSC dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield

Ex-Date	Payment Date	Amount	Yield	Forward Yield	Price on Ex-Date
12/15/2026	12/31/2026	$0.360	2.32%	0%	$0.00
09/15/2026	09/17/2026	$0.350	2.22%	2.25%	$62.14
06/15/2026	06/17/2026	$0.340	2.17%	2.19%	$61.97
03/13/2026	03/16/2026	$0.330	2.48%	2.49%	$53.09
12/15/2025	12/17/2025	$0.320	2.26%	2.28%	$56.14
09/15/2025	09/17/2025	$0.310	2.08%	2.09%	$59.47
06/16/2025	06/18/2025	$0.300	2.31%	2.27%	$52.75
03/14/2025	03/17/2025	$0.290	2.08%	2.05%	$56.65
12/16/2024	12/18/2024	$0.280	1.88%	2.01%	$55.59
09/16/2024	09/18/2024	$0.270	2.11%	2.08%	$51.83
06/14/2024	06/17/2024	$0.260	2.76%	2.72%	$38.18
03/14/2024	03/18/2024	$0.250	2.66%	2.62%	$38.22
12/14/2023	12/18/2023	$0.250	2.23%	2.28%	$43.87
09/14/2023	09/18/2023	$0.250	2.55%	2.62%	$38.13
06/14/2023	06/16/2023	$0.250	2.38%	2.37%	$42.11
03/14/2023	03/16/2023	$0.250	2.1%	2.06%	$48.52
12/14/2022	12/30/2022	$0.240	2.03%	1.96%	$48.96
09/14/2022	09/30/2022	$0.230	2.01%	2.09%	$44.04
06/14/2022	06/30/2022	$0.220	2.09%	2.12%	$41.50
03/14/2022	03/31/2022	$0.210	1.71%	1.78%	$47.31
12/14/2021	12/31/2021	$0.200	1.68%	1.7%	$47.09
09/14/2021	09/30/2021	$0.190	1.76%	1.68%	$45.28
06/14/2021	06/30/2021	$0.180	1.5%	1.55%	$46.39
03/12/2021	03/31/2021	$0.180	1.4%	1.46%	$49.44
12/14/2020	12/31/2020	$0.180	2.02%	2.06%	$34.95
09/14/2020	09/30/2020	$0.180	2.44%	2.64%	$27.27
06/12/2020	06/30/2020	$0.180	2.32%	2.31%	$31.12
03/13/2020	03/31/2020	$0.180	2.4%	2.58%	$27.91
12/13/2019	12/31/2019	$0.170	1.49%	1.41%	$48.21
09/12/2019	09/27/2019	$0.160	1.54%	1.56%	$40.96
06/13/2019	06/28/2019	$0.150	1.46%	1.44%	$41.60
03/14/2019	03/29/2019	$0.140	1.3%	1.37%	$40.77
12/13/2018	12/28/2018	$0.130	1.27%	1.39%	$37.42
09/13/2018	09/28/2018	$0.120	0.9%	0.9%	$53.05
06/14/2018	06/29/2018	$0.110	0.8%	0.82%	$53.95
03/14/2018	03/30/2018	$0.110	0.9%	0%	$0.00
12/14/2017	12/29/2017	$0.110	1.02%	0.97%	$45.15
09/14/2017	09/29/2017	$0.110	1.13%	1.04%	$42.35
06/13/2017	06/30/2017	$0.110	1.04%	1.08%	$40.80
03/13/2017	03/31/2017	$0.110	1%	1.04%	$42.40
12/13/2016	12/30/2016	$0.110	1.09%	1.02%	$43.00
09/13/2016	09/30/2016	$0.110	1.41%	1.41%	$31.25
06/13/2016	06/30/2016	$0.100	1.47%	1.43%	$27.89
03/11/2016	03/31/2016	$0.090	1.27%	1.33%	$27.04
12/11/2015	12/31/2015	$0.080	1.16%	1.13%	$28.35
09/11/2015	09/30/2015	$0.070	1.16%	1.11%	$25.17
06/11/2015	06/30/2015	$0.060	1.08%	1.05%	$22.77
03/11/2015	03/31/2015	$0.053	1.04%	1.02%	$20.66
12/11/2014	12/31/2014	$0.053	1.1%	1.06%	$19.73
09/11/2014	09/30/2014	$0.053	1.2%	1.26%	$16.72
06/11/2014	06/30/2014	$0.053	1.16%	1.16%	$18.06
03/12/2014	03/31/2014	$0.053	1.08%	1.05%	$20.07
12/12/2013	12/31/2013	$0.053	1.1%	1.03%	$20.42
09/11/2013	09/30/2013	$0.053	1.26%	1.24%	$16.90
06/12/2013	06/28/2013	$0.052	1.34%	1.3%	$15.96
03/13/2013	03/29/2013	$0.052	1.45%	0%	$0.00
12/12/2012	12/31/2012	$0.052	1.59%	1.59%	$13.07
09/12/2012	09/28/2012	$0.053	1.66%	1.54%	$13.60
06/13/2012	06/29/2012	$0.053	2%	1.92%	$10.96
03/13/2012	03/30/2012	$0.053	1.74%	1.79%	$11.74
12/13/2011	12/30/2011	$0.053	1.5%	1.42%	$14.80
09/13/2011	09/30/2011	$0.053	1.54%	1.55%	$13.59
06/13/2011	06/30/2011	$0.053	1.66%	1.55%	$13.53
03/11/2011	03/31/2011	$0.053	1.66%	1.49%	$14.07
12/15/2010	12/31/2010	$0.053	1.98%	2.03%	$10.46
09/13/2010	09/30/2010	$0.053	2.49%	2.26%	$9.30
06/14/2010	06/30/2010	$0.053	2.18%	2.18%	$9.64
03/11/2010	03/31/2010	$0.053	2.23%	1.9%	$11.06
12/15/2009	12/31/2009	$0.053	2.74%	2.72%	$7.71
09/11/2009	09/30/2009	$0.053	1.92%	2.27%	$9.25
06/12/2009	06/30/2009	$0.053	2.38%	2.31%	$9.09
03/13/2009	03/31/2009	$0.053	2.07%	2.15%	$9.76
12/15/2008	12/31/2008	$0.053	1.63%	1.38%	$15.24
09/11/2008	09/30/2008	$0.053	1.07%	0.93%	$22.56
06/12/2008	06/30/2008	$0.053	1.02%	1.11%	$18.85
03/13/2008	03/31/2008	$0.053	1%	0.84%	$25.00
12/12/2007	12/31/2007	$0.053	0.92%	0.88%	$23.81
09/12/2007	10/01/2007	$0.053	0.93%	0.86%	$24.50
06/13/2007	07/02/2007	$0.053	0.83%	0.84%	$24.89
03/13/2007	04/02/2007	$0.053	0.74%	0.76%	$27.78
12/13/2006	01/01/2007	$0.045	0.61%	0%	$0.00
09/13/2006	10/02/2006	$0.045	0.58%	0.61%	$29.54
06/13/2006	06/30/2006	$0.045	0.71%	0.71%	$25.45
03/13/2006	03/31/2006	$0.045	0.68%	0.66%	$27.39
12/14/2005	01/02/2006	$0.035	0.63%	0%	$0.00
09/14/2005	09/30/2005	$0.035	0.67%	0.66%	$21.22
06/14/2005	06/30/2005	$0.035	0.62%	0.59%	$23.65
03/15/2005	03/31/2005	$0.035	0.74%	0.74%	$19.00

NTB Dividends Info:

Estimated Annual Dividend: $2

Forward Yield: 3.53%

Ex-Dividend Date: 2026-08-12

Lifetime Dividends / Share: $16.46

NTB Dividend History: Dates, Payments & Yield list

Below is a schedule of all NTB dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield

Ex-Date	Payment Date	Amount	Yield	Forward Yield	Price on Ex-Date
08/12/2026	08/14/2026	$0.500	3.15%	3.13%	$63.91
05/13/2026	05/15/2026	$0.500	3.67%	3.66%	$54.69
02/23/2026	02/25/2026	$0.500	3.91%	3.85%	$51.93
11/10/2025	11/25/2025	$0.500	4.35%	4.3%	$46.52
08/11/2025	08/13/2025	$0.500	4.45%	4.41%	$45.39
05/07/2025	05/09/2025	$0.440	4.32%	4.28%	$41.09
02/24/2025	02/26/2025	$0.440	4.57%	4.48%	$39.30
11/05/2024	11/07/2024	$0.440	4.75%	4.67%	$37.71
08/05/2024	08/07/2024	$0.440	5.16%	5.11%	$34.43
05/06/2024	05/08/2024	$0.440	5%	4.99%	$35.27
02/23/2024	02/26/2024	$0.440	5.85%	5.88%	$29.91
11/07/2023	11/09/2023	$0.440	6.68%	6.83%	$25.78
08/11/2023	08/14/2023	$0.440	5.95%	6.08%	$28.94
05/05/2023	05/08/2023	$0.440	7.28%	7.34%	$23.99
02/24/2023	02/27/2023	$0.440	4.89%	4.9%	$35.89
11/10/2022	11/28/2022	$0.440	5.49%	5.2%	$33.85
08/05/2022	08/22/2022	$0.440	5.38%	5.22%	$33.69
05/13/2022	05/31/2022	$0.440	5.85%	5.57%	$31.58
02/25/2022	03/14/2022	$0.440	4.53%	4.86%	$36.22
11/09/2021	11/24/2021	$0.440	4.51%	4.4%	$40.04
08/09/2021	08/24/2021	$0.440	5.2%	5.31%	$33.14
05/11/2021	05/26/2021	$0.440	4.54%	4.68%	$37.63
02/23/2021	03/10/2021	$0.440	5.13%	4.56%	$38.59
11/10/2020	11/30/2020	$0.440	2.71%	5.56%	$31.66
08/04/2020	08/19/2020	$0.440	3.46%	6.72%	$26.19
05/13/2020	05/28/2020	$0.440	4.58%	7.14%	$24.64
02/25/2020	03/11/2020	$0.440	2.91%	4.15%	$21.22
11/01/2019	11/15/2019	$0.440	2.69%	2.63%	$33.49
08/02/2019	08/16/2019	$0.440	3%	3.25%	$27.06
11/02/2018	11/16/2018	$0.380	0%	4.55%	$33.38
08/03/2018	08/17/2018	$0.380	0%	4.55%	$33.38
05/03/2018	05/15/2018	$0.380	0%	4.55%	$33.38
02/23/2018	03/09/2018	$0.380	0%	4.55%	$33.38
11/10/2017	11/27/2017	$0.320	0%	3.83%	$33.38
08/10/2017	08/28/2017	$0.320	0%	3.83%	$33.38
05/11/2017	05/30/2017	$0.320	0%	3.83%	$33.38
03/09/2017	03/27/2017	$0.320	0%	1.92%	$33.38
11/09/2016	11/28/2016	$0.100	0%	1.2%	$33.38
11/10/2026	11/15/2026	$0.500	3.57%	0%	$0.00

Projected Future Values & Dividends for EFSC & NTB

Based on past 7.3 years performance, EFSC had share price CAGR of +6.79%, and dividend CAGR of +12.59%.

During same period NTB had share price CAGR of +7.50%, and dividend CAGR of +0.00%.

Using these CAGR metrics, we can estimate that your initial $10,000 investment from 7.3 years ago, with dividends being reinvested (DRIP), is modelled to grow and collect dividends as follows:

Projection uses EFSC applied at 6.79% price / 10.00% dividend; NTB applied at 0.00% price / 0.00% dividend.

	EFSC	NTB
Start Value	$10,000	$10,000
Start Share Price	$62.20	$56.67
Start Shares	160.77	176.46

After 10 years:	EFSC	NTB
Final Share Count	201.23	250.75
Dividends Payment	$0.68	$0.50
Annual Dividends	$543	$502
Share Price	$119.96	$56.67
Total Dividends	$3,484	$4,210
Final Value	$24,140	$14,210

Estimated Future Returns - EFSC

Estimated Future Returns - NTB

Estimate Dividend Snowball and total future returns for EFSC and NTB with our dividend (DRIP) calculator.

Above numbers are merely projections based on Dividend and Price CAGR for each stock, and should only be considered as 'potential future returns'! These numbers assume DRIP (reinvesting dividends).

We cannot guarantee that your actual returns will meet these metrics.

Compare Stocks: EFSC vs NTB