ES
MARKETS / NYSE / NTB
NYSE · COMMERCIAL BANKS, NEC · LARGE CAP

The Bank of N.t. Butterfield & Son Limited NTB

12 fiscal years on record · USD · FY2025 reported
SEC FILINGS ONLY
Revenue · FY2025
$606.8M
▲ 4.6% vs FY2024
Dividend streak
1 yrs
Raised every year since 2025
EPS · FY25
$5.47
Dividend / sh · FY25
$1.88
Payout · FY25
34%
ROE · FY25
21.4%
Net margin · FY25
38.2%
Dividend coverage
2.9×
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Result
USD 606.8M
Revenue, FY2025 · full 12-year series below
Revenue Net income
0.20.40.60.80.60.220142017202020232025
0.20.40.60.80.60.22016201920222025

38 cents of every revenue dollar became profit this year.

Per share
USD 5.47
Diluted EPS, FY2025
EPS Dividend
2461.885.4720142017202020232025
2461.885.472016201920222025

Earnings covered the dividend 2.9 times — the rest stayed in the company.

Profitability
21.4%
Return on equity, FY2025
ROE
816243221.4%20142017202020232025
816243221.4%2016201920222025
Operating margin39.2%
Net margin38.2%
Return on assets1.6%

Each USD of equity produced 21 cents of profit this year.

Returned to shareholders
USD 224.4M
returned in FY2025 · dividends + net buybacks
Dividends paidUSD 77.7M
Net buybacksUSD 146.7M
Share of profit96.8%
Consecutive raises1 years

USD 77.7M in dividends and USD 146.7M in buybacks — 97% of the year's profit went back to shareholders.

Growth
+4.2% a year
revenue, compounded over five years
CAGR
3 yrs
5 yrs
10 yrs
15 yrs
Revenue
+3.4%
+4.2%
+5.2%
Net income
+2.7%
+9.5%
+11.6%
EPS, diluted
+8.4%
+13.5%
+16.1%
Dividend / share
+2.2%
+1.3%
+14.2%
Returned to shareholders
+35.0%
+5.2%
+3.7%

Compound annual rates per period — left blank where the series crosses a loss.

Share base
0.04B
Shares outstanding, FY2025
0.050.0420142017202020232025
0.050.042016201920222025
Change, 5 years−20.1%
Change, 10 years−15.5%

The share count shrank 20% in five years — the same company, cut into fewer, larger slices.

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Balance sheet
USD 14.1B
total assets, end of FY2025
Total assetsUSD 14.1B
EquityUSD 1.1B
CashUSD 1.7B
Gross debtUSD 0.00
Net debtUSD -1.7B
DepositsUSD 12.7B

The company holds more cash than debt.

History
12 fiscal years
Every figure from documents filed with the SEC · USD
Metric
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014
Revenue $B
0.6
0.6
0.6
0.5
0.5
0.5
0.5
0.5
0.5
0.4
0.4
0.4
Operating income $B
0.2
0.2
0.2
0.2
0.2
0.1
0.2
·
·
·
·
·
EBITDA $B
0.3
0.3
0.3
0.3
0.2
0.2
0.2
·
·
·
·
·
Income tax $B
0.0
0.0
0.0
0.0
0.0
0.0
−0.0
0.0
0.0
0.0
0.0
−0.0
Net income $B
0.2
0.2
0.2
0.2
0.2
0.1
0.2
0.2
0.2
0.1
0.1
0.1
EPS, diluted $
5.47
4.71
4.58
4.29
3.26
2.90
3.30
3.50
2.76
1.18
1.23
1.65
Dividend / sh $
1.88
1.76
1.76
1.76
1.76
1.76
1.76
1.52
1.28
0.40
0.50
0.50
Payout %
34
37
38
41
54
60
53
43
46
17
32
25
ROE %
21.4
21.4
24.1
23.2
16.6
15.1
19.2
22.9
20.0
15.9
9.7
12.7
Shares out B
0.04
0.04
0.05
0.05
0.05
0.05
0.05
0.06
0.05
0.05
0.05
·

Slide the table for earlier years · "·" marks figures not disclosed in the filing for that year.

How we verifyAUDITED
11 of 11
checks passed before publication
EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidity

Every figure was compared against the original statement: 0 failures and 0 presentation gaps.

What we don’t show

We’d rather say what’s missing than fill the gap with an estimate.

P/E rationeeds a market quote — not yet licensed
Market capitalizationneeds a market quote — not yet licensed
Dividend yieldneeds a market quote — not yet licensed
Price-to-bookneeds a market quote — not yet licensed