NTBBank of N.T. Butterfield & Son Ltd
Commercial Banks, NEC
- Revenue
- $607M
- 4.6% YoY
- Operating margin
- —
- EBITDA
- —
- Market cap
- —
- Employees
- —
- Net debt / EBITDA
- —
- −$1.7B net debt
- AI in 10-K
- —
Red flags 0 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear121% of net incomeCash flow under 80% of net income
- Dilutive SBCClear4% of revenueOver 10% of revenue
- Payouts exceed cash flowClear80% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear0% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Revenue | $500M | $549M | $579M | $580M | $607M | 4.6% |
| Net income | $163M | $214M | $225M | $216M | $232M | 7.2% |
| Operating cash flow | $251M | $219M | $300M | $265M | $280M | 5.3% |
| Stock-based comp | $15M | $17M | $21M | $21M | $22M | 5.9% |
| Buybacks | $20M | $4M | $89M | $155M | $147M | 5.5% |
| Dividends | $87M | $87M | $86M | $80M | $78M | 2.3% |
Deal filings
None.
13D filers
None on file.
Insider trading
No open-market trades in the last 12 months.
Pay vs performance
No pay-versus-performance disclosure yet.