The Bank of N.T. Butterfield & Son Limited

BER:NTB.BH Stock Report

Market Cap: BD$1.6b

Bank of N.T. Butterfield & Son Past Earnings Performance

Past criteria checks 2/6

Bank of N.T. Butterfield & Son has been growing earnings at an average annual rate of 8.3%, while the Banks industry saw earnings growing at 6.9% annually. Revenues have been growing at an average rate of 2.9% per year. Bank of N.T. Butterfield & Son's return on equity is 19.8%, and it has net margins of 36.7%.

Key information

8.3%

Earnings growth rate

10.4%

EPS growth rate

Banks Industry Growth10.6%
Revenue growth rate2.9%
Return on equity19.8%
Net Margin36.7%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Bank of N.T. Butterfield & Son makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

BER:NTB.BH Revenue, expenses and earnings (USD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 245732103020
30 Jun 245722063070
31 Mar 245742173010
31 Dec 235792252970
30 Sep 235822352960
30 Jun 235812442860
31 Mar 235692322850
31 Dec 225492142830
30 Sep 225271932810
30 Jun 225121752830
31 Mar 225041652850
31 Dec 215001632840
30 Sep 214991632780
30 Jun 214961542840
31 Mar 214881492820
31 Dec 204941472890
30 Sep 205051492850
30 Jun 205151612860
31 Mar 205291652960
31 Dec 195331772910
30 Sep 195311843020
30 Jun 195311922940
31 Mar 195292032810
31 Dec 185181952790
30 Sep 185041852750
30 Jun 184861752670
31 Mar 184701622640
31 Dec 174551532580
30 Sep 174411032470
30 Jun 17428822500
31 Mar 17413722440
31 Dec 16403582380
30 Sep 16386622510
30 Jun 16381672430
31 Mar 16373602420
31 Dec 15369612350
30 Sep 15382982330
30 Jun 15377922330
31 Mar 15389962400
31 Dec 14383922360
30 Sep 14361672390
30 Jun 14356662370
31 Mar 14351692270
31 Dec 13342582280

Quality Earnings: NTB.BH has high quality earnings.

Growing Profit Margin: NTB.BH's current net profit margins (36.7%) are lower than last year (40.4%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: NTB.BH's earnings have grown by 8.3% per year over the past 5 years.

Accelerating Growth: NTB.BH's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: NTB.BH had negative earnings growth (-10.5%) over the past year, making it difficult to compare to the Banks industry average (-11.7%).

Return on Equity

High ROE: NTB.BH's Return on Equity (19.8%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/25 13:12
End of Day Share Price 2024/12/23 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

The Bank of N.T. Butterfield & Son Limited is covered by 6 analysts. 4 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
William NanceGoldman Sachs
Christopher McGrattyKeefe, Bruyette, & Woods
Timothy SwitzerKeefe, Bruyette, & Woods