The Bank of N.T. Butterfield & Son Limited NTB | NYSE
$57.30
-$0.87 | -1.50%
TREND SIGNAL:
|2026-08-20
|2026-08-20
Company Overview:
Market Cap:
$2.26B
Trailing PE:
10.1x
FWD PE *:
9.8x
Payout Ratio (TTM):
34.3%
52-Week Range:
$43.33 - $64.17
* Forward PE is based on street estimates.
7.3 Year NTB Performance Metrics:
Total Return (with DRIP):
151.1% (13.44% CAGR)
Total Return (no DRIP):
110.8% (10.75% CAGR)
Share Price:
71.7% (7.68% CAGR)
Yield on Cost (with DRIP):
8.76%
Total Invested:
$10,000
Total Value (with DRIP):
$25,110
Total Return $ (with DRIP):
$15,110
Dividend Increase:
127.3% (12.39% CAGR)
Dividend Yield (FWD):
3.49% ($2.00)
NTB 7.3-yr Total Return ($10K invested)
1M
3M
6M
YTD
1Y
3Y
5Y
10Y
NTB Share Price
1M
3M
6M
YTD
1Y
3Y
5Y
10Y
All
NTB Price CAGR:1Y: 29.23%2Y: 24.08%5Y: 9.80%10Y: 7.69%
NTB Dividend Charts
NTB Dividend CAGR:1Y: 0.00%2Y: 6.54%5Y: 2.59%10Y: 12.39%
NTB Dividend Payout Ratio CAGR:1Y: 23.29%2Y: 5.97%5Y: -5.18%10Y: 0.05%
NTB Dividend to FCF Ratio CAGR:1Y: 0.00%2Y: 39.78%5Y: 6.41%10Y: 14.20%
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NTB Financials: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:
NTB Revenue CAGR:1Y: -20.23%2Y: -11.87%5Y: 5.06%10Y: 4.61%
NTB EPS CAGR:1Y: -20.55%2Y: 0.00%5Y: 7.71%10Y: 10.96%
NTB Net Income CAGR:1Y: -23.22%2Y: -5.67%5Y: 3.35%10Y: 8.94%
NTB EBITDA CAGR:1Y: -21.60%2Y: -9.01%5Y: -0.44%10Y: 5.44%
NTB Free Cash Flow CAGR:1Y: 0.00%2Y: -28.49%5Y: -7.91%10Y: -4.56%
NTB Free Cash Flow / Share CAGR:1Y: 0.00%2Y: -23.87%5Y: -3.60%10Y: -2.61%
NTB Operating Income CAGR:1Y: -22.41%2Y: -15.51%5Y: 3.64%10Y: 9.19%
NTB Gross Profit CAGR:1Y: 3.28%2Y: 5.32%5Y: 0.00%10Y: 0.00%
NTB Shares Outstanding CAGR:1Y: -5.17%2Y: -5.78%5Y: -4.11%10Y: -1.91%
NTB Share Buybacks CAGR:1Y: 0.00%2Y: -33.78%5Y: 31.45%10Y: 56.57%
NTB Stock-Based Comp CAGR:1Y: 0.00%2Y: 9.24%5Y: 7.41%10Y: -4.51%
NTB Expenses CAGR:1Y: 0.00%2Y: -14.32%5Y: 7.35%10Y: 10.47%
Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:
NTB Actual Revenue CAGR:1Y: -20.23%2Y: -11.87%5Y: 5.06%10Y: 4.61%
NTB Actual EPS CAGR:1Y: -20.55%2Y: 0.00%5Y: 7.71%10Y: 10.96%
NTB Actual Net Income CAGR:1Y: -23.22%2Y: -5.67%5Y: 3.35%10Y: 8.94%
NTB Actual EBITDA CAGR:1Y: -21.60%2Y: -9.01%5Y: -0.44%10Y: 5.44%
Ratios, Profit Margins & Return on Capital:
NTB Net Profit Margin CAGR:1Y: 0.00%2Y: 7.04%5Y: -1.62%10Y: 4.13%
NTB Gross Profit Margin CAGR:1Y: 0.00%2Y: 19.52%5Y: -0.20%10Y: -0.10%
NTB Price to Earnings CAGR:1Y: 71.03%2Y: 26.49%5Y: 2.49%10Y: -1.80%
NTB Price To Sales Ratio CAGR:1Y: 0.00%2Y: 35.41%5Y: 0.82%10Y: 2.26%
NTB Return on Capital Employed CAGR:1Y: 0.00%2Y: -55.07%5Y: 4.77%10Y: 6.31%
NTB Return on Invested Capital CAGR:1Y: 0.00%2Y: -16.02%5Y: -37.66%10Y: -15.89%
NTB Dividends Info:
Annual Dividend:
$2
Forward Yield:
3.49%
Ex-Dividend Date:
2026-08-12
Lifetime Dividends / Share:
$15.96
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% | 2.78% | $31.66 |
| 08/04/2020 | 08/19/2020 | $0.440 | 3.46% | 3.36% | $26.19 |
| 05/13/2020 | 05/28/2020 | $0.440 | 4.58% | 3.57% | $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 |
Projected Future Returns & Dividends for NTB
Based on past 7.3-year performance, here are NTB growth metrics:
Share price CAGR of +7.68%
Dividend CAGR of +12.39%
Using NTB CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:
| NTB (DRIP) | NTB - No DRIP | |
|---|---|---|
| Current Price | $57.30 | $57.30 |
| Start Shares | 174.52 | 174.52 |
| Start Value | $10,000 | $10,000 |
| After 10 years: | ||
| Final Share Count | 266.69 | 174.52 |
| Dividends Payment | $1.61 | $1.61 |
| Annual Dividends | $1,715 | $1,122 |
| Yield on cost | 17.15% | 11.22% |
| Share Price | $120.12 | $120.12 |
| Total Dividends | $7,926 | $6,242 |
| Final Value | $32,036 | $27,205 |
Estimated Future Value + Dividends - NTB
NOTE: Above numbers are our estimate based on NTB's Dividend and Price CAGR over past 7.3 years.
These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.
We cannot guarantee that your actual returns will meet these estimates.
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Company Info
The Bank of N.T. Butterfield & Son Limited (NTB) had its IPO on 2016-09-16, and is traded on NYSE stock exchange.
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.
NTB website: https://www.butterfieldgroup.com
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DCF Model — NTB
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Pay up to today
—
vs current price $57.30
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Cash flow & implied price by year
FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.
EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.
Free cash flow today
—
grows for the next years
Then mature
—
every future dollar counted back to today
Pile of today-dollars
—
÷ shares
Implied price path
| Year | FCF | Implied price |
|---|
Sensitivity — fair value: growth ↓ × target return →
