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The Bank of N.T. Butterfield & Son Limited

The Bank of N.T. Butterfield & Son Limited

NTB
The Bank of N.T. Butterfield & Son LimitedUS flagNew York Stock Exchange
55.66
USD
-2.16
- -
2.20BMarket Cap

Income Statement (USD)

APIChat
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
Sales/Revenue/Turnover
390
374
406
448
510
532
502
496
552
583
582
607
+ Sales & Services Revenue
390
374
406
448
510
532
502
496
552
583
582
607
- Cost of Revenue
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Cost of Goods & Services
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Gross Profit
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Operating Income
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- Operating Expenses
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Selling, General & Admin
134
139
145
151
166
195
182
170
177
188
184
192
+ Research & Development
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Operating Expense
-134
-139
-145
-151
-166
-195
-182
-170
-177
-188
-184
-192
Operating Income (Loss)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- Non-Operating (Income) Loss
-108
-79
-117
-154
-196
-176
-150
-166
-218
-226
-221
-238
+ Interest Expense, Net
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Interest Expense
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- Interest Income
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Non-Op (Income) Loss
-108
-79
-117
-154
-196
-176
-150
-166
-218
-226
-221
-238
Pretax Income
108
79
117
154
196
176
150
166
218
226
221
238
- Income Tax Expense (Benefit)
- -
1
1
1
1
-1
2
3
4
1
5
6
- (Income) Loss from Affiliates
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Income (Loss) from Cont Ops
108
78
116
153
195
177
147
163
214
225
216
232
- Net Extraordinary Losses (Gains)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Discontinued Operations
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Extraord. & Accounting Changes
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Income (Loss) Incl. MI
108
78
116
153
195
177
147
163
214
225
216
232
- Minority Interest
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Income, GAAP
108
78
116
153
195
177
147
163
214
225
216
232
- Preferred Dividends
15
15
14
- -
- -
- -
- -
- -
- -
- -
- -
- -
- Other Adjustments
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Income Avail to Common, GAAP
93
63
102
153
195
177
147
163
214
225
216
232
EBIT
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
EBITDA
45
22
52
50
46
48
62
69
40
36
42
37
EBITDA Margin (%)
11.57
5.95
12.88
11.26
9.12
9.09
12.44
13.99
7.28
6.21
7.24
6.07
EBITA
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Gross Margin (%)
100
100
100
100
100
100
100
100
100
100
100
100
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Profit Margin (%)
27.74
20.78
28.57
34.23
38.29
33.28
29.32
32.77
38.8
38.66
37.17
38.22
Sales per Employee
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
0.9
0.85
0.7
1.28
1.52
1.76
1.76
1.76
1.76
1.77
1.77
1.88
Depreciation Expense
45
22
52
50
46
48
62
69
40
36
42
37
Basic Weighted Avg Shares
47
47
49
54
55
53
51
50
50
49
45
41
Basic EPS, GAAP
2.01
1.35
2.1
2.82
3.55
3.33
2.91
3.28
4.32
4.62
4.8
5.61
Basic EPS from Cont Ops
2.32
1.67
2.39
2.82
3.55
3.33
2.91
3.28
4.32
4.62
4.8
5.61
Diluted Weighted Avg Shares
47
47
50
55
56
54
51
50
50
49
46
42
Diluted EPS, GAAP
1.97
1.33
2.06
2.76
3.5
3.3
2.9
3.26
4.29
4.58
4.71
5.47
Diluted EPS from Cont Ops
2.28
1.64
2.34
2.76
3.5
3.3
2.9
3.26
4.29
4.58
4.71
5.47

Balance Sheet (USD)

APIChat
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
Total Current Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Cash, Cash Equivalents & STI
4,692
4,900
5,954
5,103
4,289
5,989
6,774
6,852
4,958
4,490
4,667
5,094
+ Cash & Cash Equivalents
2,063
2,289
2,102
1,535
2,054
2,550
3,290
2,180
2,101
1,647
1,998
1,709
+ ST Investments
2,628
2,611
3,852
3,567
2,235
3,439
3,484
4,673
2,858
2,844
2,669
3,385
+ Accounts & Notes Receiv
19
17
23
25
21
159
145
144
204
- -
- -
- -
+ Accounts Receivable, Net
19
17
23
25
21
159
145
144
204
- -
- -
- -
+ Notes Receivable, Net
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Loans Receivable, Net
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Receivable, Net
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Inventories
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Raw Materials
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Work In Process
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Finished Goods
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Inventory Adjustments
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Inventory
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other ST Assets
-4,711
-4,917
-5,977
-5,127
-4,310
-6,148
-6,919
-6,997
-5,162
-4,490
-4,667
-5,094
+ Misc ST Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Prepaid Expenses
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Derivative & Hedging Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Assets Held-for-Sale
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Deferred Tax Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Noncurrent Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Property, Plant & Equip, Net
215
183
168
165
158
158
151
139
146
154
154
159
+ Property, Plant & Equip
369
355
350
342
357
386
400
409
427
400
342
332
- Accumulated Depreciation
154
171
183
178
199
228
249
270
281
245
189
174
+ LT Investments & Receivables
3,397
3,646
4,933
4,970
4,322
5,669
5,699
7,449
6,608
6,312
5,915
6,384
+ LT Investments
3,397
3,646
4,933
4,970
4,322
5,669
5,699
7,449
6,608
6,312
5,915
6,384
+ LT Receivables
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other LT Assets
-3,612
-3,830
-5,101
-5,135
-4,480
-5,828
-5,850
-7,588
-6,755
-6,466
-6,069
-6,542
+ Total Intangible Assets
58
51
62
61
75
97
93
86
74
99
90
87
+ Goodwill
25
23
20
22
24
25
26
25
23
24
24
25
+ Other Intangible Assets
33
28
42
39
51
72
67
61
51
75
66
61
+ LT Deferred Tax Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ LT Derivative & Hedging Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Misc LT Assets
-3,670
-3,881
-5,163
-5,196
-4,555
-5,924
-5,942
-7,674
-6,829
-6,565
-6,159
-6,629
Total Assets
9,858
10,276
11,104
10,779
10,773
13,922
14,739
15,335
14,306
13,374
14,231
14,095
+ Payables & Accruals
5
3
2
54
5
262
204
189
186
- -
- -
- -
+ Accounts Payable
5
3
2
2
5
262
204
189
186
- -
- -
- -
+ Accrued Taxes
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Interest & Dividends Payable
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Payables & Accruals
1
1
- -
52
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Debt
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Borrowings
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Finance Leases
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other ST Liabilities
-5
-3
-2
-54
-5
-262
-204
-189
-186
- -
- -
- -
+ Deferred Revenue
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Derivatives & Hedging
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Tax Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Misc ST Liabilities
-5
-3
-2
-54
-5
-262
-204
-189
-186
- -
- -
- -
Total Current Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ LT Debt
117
117
117
117
143
144
171
172
172
98
99
- -
+ LT Borrowings
117
117
117
117
143
144
171
172
172
98
99
- -
+ LT Finance Leases
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other LT Liabilities
-117
-117
-117
-117
-143
-144
-171
-172
-172
-98
-99
- -
+ Accrued Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Pension Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Revenue
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Tax Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Derivatives & Hedging
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Misc LT Liabilities
-117
-117
-117
-117
-143
-144
-171
-172
-172
-98
-99
- -
Total Noncurrent Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Liabilities
9,009
9,525
10,393
9,956
9,891
12,958
13,757
14,358
13,441
12,370
13,211
12,953
+ Preferred Equity and Hybrid Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Share Capital & APIC
1,354
1,226
1,143
1,156
1,172
1,082
1,014
1,018
1,033
989
917
852
+ Common Stock
1
- -
1
1
1
1
- -
- -
1
- -
- -
- -
+ Additional Paid in Capital
1,353
1,225
1,143
1,156
1,171
1,082
1,013
1,018
1,033
989
916
851
- Treasury Stock
22
16
- -
- -
48
22
16
20
21
18
23
- -
+ Retained Earnings
-405
-369
-288
-204
-93
-9
34
104
230
343
422
494
+ Other Equity
-78
-90
-145
-129
-149
-87
-50
-125
-377
-310
-295
-204
Equity Before Minority Interest
849
750
711
823
882
964
982
977
865
1,004
1,021
1,142
+ Minority/Non Controlling Interest
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Equity
849
750
711
823
882
964
982
977
865
1,004
1,021
1,142
Total Liabilities & Equity
9,858
10,276
11,104
10,779
10,773
13,922
14,739
15,335
14,306
13,374
14,231
14,095
Shares Outstanding
53
53
53
55
54
53
49
49
50
47
44
40
Number of Employees
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Capital Leases - Total
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Debt
-1,946
-2,172
-1,985
-1,418
-1,911
-2,407
-3,118
-2,008
-1,928
-1,548
-1,899
-1,709
Net Debt to Equity
-229.15
-289.45
-279.24
-172.34
-216.53
-249.71
-317.55
-205.42
-223
-154.26
-186.07
-149.66
Tangible Common Equity Ratio
8.08
6.84
5.88
7.11
7.55
6.27
6.07
5.85
5.55
6.81
6.58
7.53
Current Ratio
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash Conversion Cycle
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -

Cash Flow Statement (USD)

APIChat
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
+ Net Income
108
78
116
153
195
177
147
163
214
225
216
232
+ Depreciation & Amortization
45
22
52
50
46
48
62
69
40
36
42
37
+ Non-Cash Items
12
9
18
- -
5
15
24
20
19
32
23
22
+ Stock-Based Compensation
9
8
14
8
13
18
15
15
17
21
21
22
+ Deferred Income Taxes
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Asset Impairment Charge
2
5
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Non-Cash Adj
1
-4
3
-8
-8
-3
9
5
2
11
2
- -
+ Chg in Non-Cash Work Cap
-21
8
-7
38
50
8
-46
-1
-54
7
-16
-12
+ (Inc) Dec in Accts Receiv
1
7
-6
-2
-4
-19
-8
13
-54
5
-10
15
+ (Inc) Dec in Inventories
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ (Inc) Dec in Prepaid Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Inc (Dec) in Accts Payable
1
-2
- -
- -
3
3
- -
- -
- -
- -
- -
- -
+ Inc (Dec) in Other
-23
3
-1
40
52
24
-38
-14
- -
2
-6
-27
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash from Operating Activities
144
117
179
242
297
249
188
251
219
300
265
280
+ Change in Fixed & Intang
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Disp in Fixed & Intang
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Disp of Fixed Prod Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Disp of Intangible Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Acq of Fixed & Intang
-6
-4
-10
-19
-20
-23
-21
-16
-27
-54
-22
-25
+ Acq of Fixed Prod Assets
-6
-4
-10
-19
-19
-23
-21
-16
-27
-27
-21
-25
+ Acq of Intangible Assets
- -
- -
- -
- -
-1
- -
- -
- -
- -
-27
- -
- -
+ Cash (Repurchase) of Equity
-17
-131
130
- -
-48
-82
-87
-20
-4
-89
-155
-147
+ Increase in Capital Stock
- -
- -
132
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Decrease in Capital Stock
-17
-131
-2
- -
-48
-82
-87
-20
-4
-89
-155
-147
+ Net Change in LT Investment
-687
-182
-1,342
12
543
-1,223
8
-1,896
371
278
-797
-100
+ Dec in LT Investment
476
672
1,026
1,689
1,753
1,417
3,671
3,858
3,387
2,535
3,292
3,463
+ Inc in LT Investment
-1,163
-854
-2,368
-1,677
-1,210
-2,640
-3,663
-5,754
-3,016
-2,256
-4,089
-3,563
+ Net Cash From Acq & Div
-35
- -
-22
- -
-21
- -
- -
- -
- -
- -
- -
- -
+ Cash from Divestitures
- -
- -
- -
12
- -
- -
- -
- -
- -
- -
- -
- -
+ Cash for Acq of Subs
-35
- -
-22
-13
-21
- -
- -
- -
- -
- -
- -
- -
+ Cash for JVs
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Investing Activities
469
-66
178
-157
-165
2,339
-29
6
-52
458
238
227
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash from Investing Activities
-259
-252
-1,195
-164
338
1,093
-42
-1,906
292
682
-581
102
+ Dividends Paid
-42
-39
-34
-70
-84
-94
-89
-87
-87
-86
-80
-78
+ Net Cash From Debt
-90
- -
- -
- -
26
- -
28
- -
- -
-75
- -
-100
+ Cash From Debt
- -
- -
- -
- -
73
- -
98
- -
- -
- -
- -
- -
+ Repayments of Debt
-90
- -
- -
- -
-47
- -
-70
- -
- -
-75
- -
-100
+ Other Financing Activities
611
456
844
-617
-19
-744
694
643
-416
-1,198
970
-421
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash from Financing Activities
462
286
940
-686
-125
-919
546
536
-507
-1,448
736
-746
Effect of Foreign Exchange Rates
-14
-31
-105
47
3
86
43
8
-91
22
-4
52
Net Changes in Cash
347
151
-77
-608
510
423
693
-1,119
4
-466
420
-364
EBITDA
45
22
52
50
46
48
62
69
40
36
42
37
EBITDA Margin (%)
11.57
5.95
12.88
11.26
9.12
9.09
12.44
13.99
7.28
6.21
7.24
6.07
Free Cash Flow
138
113
169
223
277
226
168
236
192
246
244
255
Net Cash Paid for Acquisitions
35
- -
22
- -
21
- -
- -
- -
- -
- -
- -
- -
Free Cash Flow to Firm
- -
113
169
223
277
- -
168
236
192
246
244
255
Free Cash Flow to Equity
- -
98
155
223
304
226
195
236
192
198
244
155
Free Cash Flow per Basic Share
2.95
2.42
3.48
4.1
5.03
4.25
3.31
4.75
3.88
5.04
5.41
6.16
Price/Free Cash Flow
- -
- -
8.28
7.7
5.52
7.32
7.59
7.12
6.04
4.45
5.85
6.94
Cash Flow to Net Income
1.33
1.5
1.54
1.58
1.52
1.4
1.28
1.55
1.02
1.33
1.23
1.21
Capital Expenditures
-6
-4
-10
-19
-20
-23
-21
-16
-27
-54
-22
-25