NYSE
NTB
Last Price
US $60.26
KEY FIGURES
MKT CAP
$2.4B
EPS
TTM
$6.04
PEG
TTM
0.48x
P/E
TTM
10.18x
P/S
TTM
2.99x
YIELD
3.31%
GROWTH
Revenue Y/Y
Valuation
Financial
Performance
Financial stability - Cash flow debt coverage.
The Bank of N.T. Butterfield & Son Limited cash flow to debt ratio of 721.91% indicates that the company generates enough cash to cover a substantial portion of its debt. This level indicates very strong financial health.
Financial stability - Healthy cash flow growth.
The Bank of N.T. Butterfield & Son Limited's free cash flow has increased 4.47% from $243.90M last year to $254.81M, signaling increasing performance
Financial stability - Healthy debt to equity ratio.
The Bank of N.T. Butterfield & Son Limited's debt to equity ratio is 0.12, which means that the company's assets are healthy financed, signaling financial stability. READ MORE: A ratio under 0.60 means the company finances its assets with own equity, signaling financial stability and good management.
Financial stability - Healthy debt to equity ratio development.
The Bank of N.T. Butterfield & Son Limited's debt has decreased relative to shareholder equity from 0.19 last year to 0.12 today, signaling strengthened financials
Financial stability - Net debt/EBITDA.
The Bank of N.T. Butterfield & Son Limited has a net debt to EBITDA ratio of 0.00x, which is below the 3.00x threshold, indicating healthy leverage and financial stability
Financial stability - ICR.
The Bank of N.T. Butterfield & Son Limited earns at least as much interest as it pays. Interest obligations are fully covered.
Financial stability - Profit margin growth.
The Bank of N.T. Butterfield & Son Limited's profit margin has increased (20.01%) in the last year from 26.49% to 31.79%, signaling increasing performance
Financial stability - Short term assets vs short term liabilities.
The Bank of N.T. Butterfield & Son Limited's short-term assets of $2.71G exceed its short-term liabilities of $5.25M
Decreasing performance - ROA.
The Bank of N.T. Butterfield & Son Limited's return on assets of 1.67% is lower than the 5.00% threshold, indicating inefficient asset utilization
Increasing performance - Absolute return on equity.
The Bank of N.T. Butterfield & Son Limited's return on equity of 21.63%, is higher than 15.00%, indicating good performance
Increasing performance - Earnings quality.
The Bank of N.T. Butterfield & Son Limited's operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation
Increasing performance - Earnings stability.
The Bank of N.T. Butterfield & Son Limited had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings
Increasing performance - Free cash flow.
The Bank of N.T. Butterfield & Son Limited has positive free cash flow, indicating the company generates cash after capital expenditures
Increasing performance - FCF yield.
The Bank of N.T. Butterfield & Son Limited has a free cash flow yield of 10.66%, which is above the 2.00% threshold, indicating strong cash generation relative to market value
Increasing performance - Healthy earnings growth.
The Bank of N.T. Butterfield & Son Limited's yearly earnings has increased 7.20% since last year from $216.32M to $231.90M, signaling increasing performance
Decreasing performance - Healthy revenue growth.
The Bank of N.T. Butterfield & Son Limited's yearly revenue has decreased -25.66% since last year from $816.50M to $607.00M, signaling decreasing performance
Increasing performance - ROIC.
ROIC 15.61% (Source: FMP key-metrics). At or above the 10% threshold. Score: 2 of 2. The company is generating returns above the upper end of the typical US weighted-average cost of capital range under this definition of invested capital.
Increasing performance - 3-year revenue CAGR.
The Bank of N.T. Butterfield & Son Limited's 3-year revenue CAGR of 9.67% is positive, indicating growing revenue over the past 3 years
Increasing performance - Revenue consistency.
The Bank of N.T. Butterfield & Son Limited had revenue growth in 4.00 out of 5 years, indicating consistent revenue performance
Increasing performance - ROE consistency.
The Bank of N.T. Butterfield & Son Limited had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity
Undervalued - DCF valuation.
The Bank of N.T. Butterfield & Son Limited is undervalued relative to its fair value price of 142.35 based on Discounted Cash Flow model
Undervalued - Earnings yield.
The Bank of N.T. Butterfield & Son Limited has an earnings yield of 10.01%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Undervalued - EBITDA valuation.
The Bank of N.T. Butterfield & Son Limited is undervalued relative to its fair value price of 83.36 based on EBITDA multiple model
Undervalued - EV/EBITDA.
The Bank of N.T. Butterfield & Son Limited has an EV/EBITDA ratio of 2.04x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
Undervalued - PEG ratio value.
The Bank of N.T. Butterfield & Son Limited has a PEG-ratio under 1 which is considered undervalued
Undervalued - P/B ratio.
The Bank of N.T. Butterfield & Son Limited has a price-to-book ratio of 2.12x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
The Bank of N.T. Butterfield & Son Limited has a price-to-sales ratio of 3.16x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue
Profit margin
Current Ratio
Capital Returns
21.63%
Return on equity
ROIC: 15.61%
Valuation History
10.2X
Price to Earnings
EV/EBITDA: 2.0X
Cash flow
Profit margin
9.76%
(FY vs FY)
EBITDA Y/Y
0.00%
(FY vs FY)
Cash flow Y/Y
8.74%
(FY vs FY)
Cash Flow (DCF)
Fair Value
Market $60.26
136.23%
Default assumptions
EBITDA Multiple
Fair Value
Market $60.26
38.33%
Default assumptions
Base valuations use default assumptions. Customize in the Valuator.