The Bank of N.T. Butterfield & Son Limited
NTBFinancial ServicesNASDAQBanks - Diversified
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Daily timeframePart of the financial services sector, The Bank of N.T. Butterfield & Son Limited (NTB) is listed under Banks - Diversified. The $2.24B market capitalization puts NTB squarely in mid-cap range for its industry. The company offers retail and corporate checking, savings, and term deposits.
Market Cap
$2.24B
Beta
0.50
P/E (TTM)
9.79
P/E (Fwd)
8.47
EPS (TTM)
$5.77
EPS (Fwd)
$6.76
ROE
21.9%
ROA
1.7%
Cash
$3.29B
Total Debt
$171.8M
Free CF
—
52W Change
32.5%
Annual Financials
Cash vs Debt
The balance sheet looks solid with $3.29B in cash comfortably exceeding the $171.8M debt load. A net cash position generally provides financial flexibility during uncertain economic periods. ROE of 21.9% points to strong capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 1.7% is on the lower side, which is common in asset-heavy industries. Revenue has been uneven over recent years, ranging from $551.6M to $606.8M.
The relatively low beta of 0.50 suggests NTB is a less volatile holding compared to the broader index. The strong cash position relative to debt provides a financial cushion that reduces balance sheet risk. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for The Bank of N.T. Butterfield & Son Limited and its sector.