tradmap

NTB Financials Bank Of N.T. Butterfield & Son Ltd

12 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →

Growth & profitability

  • Revenue has grown 4.2% per year over the past 5 years.
  • Net income has grown faster than revenue (9.5% vs 4.2% per year).
  • Free cash flow has grown 19.2% per year over the past 5 years.

Financial health

  • The company holds more cash ($1.7B) than total debt ($0).

Shareholder returns

  • Dividends have been paid for 12 consecutive years, consuming 33.5% of earnings.
  • The dividend has declined 2.7% per year over the past 5 years.
Revenue & net income
$0 $303M $607M 2014 2016 2018 2020 2022 2024
RevenueNet income
Margins (gross / operating / net)
0% 19% 39% 2014 2016 2018 2020 2022 2024
GrossOperatingNet
Free cash flow (CFO − capex)
$0 $139M $278M 2014 2016 2018 2020 2022 2024
Free cash flow
Cash vs total debt
$0 $2B $3B 2014 2016 2018 2020 2022 2024
CashTotal debt
Cash flow: operating / investing / financing
-$2B -$406M $1B $0 2014 2016 2018 2020 2022 2024
OperatingInvestingFinancing

Key annual figures

FYRevenueNet incomeGross MOp MFCFTotal debtCash
2025 $607M $232M 0.0% 0.0% $0 $1.7B
2024 $580M $216M 0.0% 0.0% $99M $2.0B
2023 $579M $225M 0.0% 0.0% $98M $1.6B
2022 $549M $214M 0.0% 0.0% $172M $2.1B
2021 $500M $163M 0.0% 0.0% $172M $2.2B
2020 $494M $147M 0.0% 0.0% $171M $3.3B
2019 $533M $177M 0.0% 0.0% $144M $2.6B
2018 $518M $195M 0.0% 0.0% $278M $143M $2.1B
2017 $455M $153M 0.0% 0.0% $223M $117M $1.5B
2016 $403M $116M 0.0% 0.0% $169M $117M $2.1B
2015 $364M $78M 0.0% 0.0% $154M $117M $2.3B
2014 $381M $108M 0.0% 0.0% $138M $2.1B

Frequently asked questions

Is NTB growing its revenue and profit?

Over the past 5 years, Bank Of N.T. Butterfield & Son Ltd's revenue has grown 4.2% per year, and net income grown 9.5% per year. These are computed facts, not advice.

How much debt does NTB have?

As of FY2025, Bank Of N.T. Butterfield & Son Ltd reported $0 of total debt against $1.7B of cash.

What is NTB's profit margin?

In FY2025, gross margin was —, operating margin —, and net margin 38.2%.

Where does this data come from?

All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.

Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.