The Bank of N.T. Butterfield & Son LimitedNTBNYSE

Revenue (LTM)

$800M

-2.0% YoY

Net Income (LTM)

$232M

+7.2% YoY

Free Cash Flow

$255M

Revenue CAGR (5Y)

+9.8%

Marginsdeclining

FCF$0.3B

Profitable

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Revenue	522	606↑16.3%	762↑25.6%	816↑7.2%	800↓2.0%
Gross Profit	500	549↑9.9%	579↑5.4%	580↑0.3%	607↑4.5%
Operating Income	166	218↑31.3%	226↑3.9%	221↓2.4%	238↑7.8%
Net Income	163	214↑31.6%	225↑5.4%	216↓4.1%	232↑7.2%
EBITDA	235	258↑9.6%	262↑1.8%	263↑0.2%	267↑1.4%
EPS Diluted	3.26	4.29↑31.6%	4.58↑6.8%	4.71↑2.8%	5.47↑16.1%

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Cash & Equivalents	2,180	2,101↓3.6%	1,647↓21.6%	1,998↑21.3%	1,605↓19.7%
Total Current Assets	3,537	3,202↓9.5%	2,286↓28.6%	4,667↑104.2%	2,713↓41.9%
Total Assets	15,335	14,306↓6.7%	13,374↓6.5%	14,231↑6.4%	14,095↓1.0%
Total Current Liabilities	316	278↓12.0%	8,401↑2922.0%	12,838↑52.8%	5↓100.0%
Total Liabilities	14,358	13,441↓6.4%	12,370↓8.0%	13,211↑6.8%	12,953↓1.9%
Total Equity	977	865↓11.5%	1,004↑16.0%	1,021↑1.7%	1,142↑11.9%
Total Debt	172	172↓0.0%	98↓42.7%	227↑130.4%	39↓82.9%
Net Debt	-2,008	-1,929↑3.9%	-1,548↑19.7%	-1,899↓22.7%	-1,567↑17.5%

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Operating Cash Flow	251	219↓12.8%	300↑36.9%	265↓11.6%	280↑5.3%
Capital Expenditure	-16	-27↓70.9%	-54↓101.9%	-22↑60.3%	-25↓15.0%
Free Cash Flow	236	192↓18.3%	246↑27.9%	244↓0.9%	255↑4.5%
Stock-Based Comp	15	17↑12.7%	21↑21.9%	21↑0.9%	0
Net Change in Cash	-1,111	-87↑92.2%	-444↓411.0%	416↑193.7%	-312↓174.9%

Values in millions except EPS · Ratios shown as percentages · Click any metric to drill down

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