The Bank of N.T. Butterfield & Son Limited (NTB)

NYSE: NTB · Commercial Banks, NEC · Hamilton · filing with the SEC since 2016

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Grade6.1

◀ Past 6.5● Present 6.1▶ Future 5.5

2 est.

Overview Business Financials Grade Forecast Sentiment Ownership People Filings Patents Chart

The grade of The Bank of N.T. Butterfield & Son Limited

Nine metrics read from its own filings, by tense

Headline grade

6.1/10

◀ Past6.540% of the headline

● Present6.135% of the headline

▶ Future5.525% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 7 read as filed from the record and 2 are SI estimates, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

6.5/1040% of the headline grade · 2 of 3 filed, 1 estimated

Surviving crises

as filed

5.9/10

Has it survived what it has been through?

No warning events in its filings since 2017.

weight 45% of this tense · 59th percentile among 33 sector filers · read for itself

From the record

The Bank of N.T. Butterfield & Son Limited's filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed

4.7/10

What has it actually done, year after year?

+4.7% a year over 10 filed years; profitable in 10 of 10.

weight 22% of this tense · 47th percentile among 22 sector filers · read for its customers

From the record

The Bank of N.T. Butterfield & Son Limited's 10 filed years say what it did: revenue went from $403 million in fiscal 2016 to $607 million in fiscal 2025, up 4.7% a year; it rose in 8 of 9 years; the deepest fall was 7% from fiscal 2019 to fiscal 2020; net income was positive in 10 of 10 of those years (its annual reports).

What it rests on

revenue growth over the filed span4.7%bottom 25% of its family
the share of years revenue rosetop 34% of its family
the share of filed years with a profittop 40% of its family
the deepest fall from a revenue peak7.2%bottom 39% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

SI estimate

8.6/10

How has it treated the people who own it?

SI estimate 8.6/10, confidence 35 of 100 (one part).

weight 33% of this tense · 85th percentile among 31 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate: Read from one part only, the cash returned against operating cash flow, which ranks in the top 15% of 31 in its family; fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income.
What the record cannot read: Fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income.
How it was reasoned: one part: cash returned against operating cash flow, the one part on file, ranked among 31 in its family.
Confidence: 35 of 100
What would change it: A filing that carries the missing parts replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: The Bank of N.T. Butterfield & Son Limited's shareholder treatment is put at 8.6 of 10 with a confidence of 35 of 100, because read from one part only, the cash returned against operating cash flow, which ranks in the top 15% of 31 in its family; fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income. A filing that carries the missing parts replaces this estimate with the filed reading.

● Present

What are they doing right now?

6.1/1035% of the headline grade · 2 of 3 filed, 1 estimated

Financial health

as filed

7.1/10

Is it financially healthy right now?

ROE 20%: 20¢ of profit per shareholder dollar. Leverage 92%: owes 92¢ per asset dollar.

weight 45% of this tense · 71st percentile among 31 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, The Bank of N.T. Butterfield & Son Limited earned about 20 cents of profit for every dollar of shareholders' money. Leverage: it owed about 92 cents per dollar of assets (the filed statements).

What it rests on

what it owes per dollar of assetsbottom 47% of its family
return on equitytop 5% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed

5.5/10

How strong is its position in its industry?

top 45% of 21 in its family; net margin 38.2%.

weight 33% of this tense · 55th percentile among 21 sector filers · read for its customers

From the record

The Bank of N.T. Butterfield & Son Limited's standing among 21 graded names in its industry family: revenue of $607 million in fiscal 2025 is not ranked by size, since the family reports in another currency; a net margin of 38.2% ranks in the top 16%; revenue growth of 3.4% a year over the last 3 filed years ranks in the bottom 25% (its annual reports).

What it rests on

net margin38.2%top 16% of its family
three-year revenue growth3.4%bottom 25% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

SI estimate

5.0/10

What are the people in charge doing?

SI estimate 5.0/10, confidence 15 of 100 (universe median).

weight 22% of this tense · 50th percentile among 3816 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate: It files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-31 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 7 months and cannot see past it; a floor under five years is not read as years in charge, and its family carries too few readings to lean on, so the desk assumes the typical reading over all 3816 companies with one.
What the record cannot read: It files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-31 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 7 months and cannot see past it; a floor under five years is not read as years in charge.
How it was reasoned: universe median, 3816 readings behind it.
Confidence: 15 of 100
What would change it: Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: The Bank of N.T. Butterfield & Son Limited's leadership is put at 5.0 of 10 with a confidence of 15 of 100, because it files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-31 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 7 months and cannot see past it; a floor under five years is not read as years in charge, and its family carries too few readings to lean on, so the desk assumes the typical reading over all 3816 companies with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

▶ Future

What are they set up to do next?

5.5/1025% of the headline grade · 3 of 3 filed

Room to expand

as filed

6.5/10

How much room does it have to grow?

top 35% of 19 in its family for room to expand.

weight 33% of this tense · 65th percentile among 19 sector filers · read for itself

From the record

The Bank of N.T. Butterfield & Son Limited's room to grow, from the newest filed statements (fiscal 2025): cash of $1.7 billion against debt of $0 thousand leaves 12.1% of its assets as net cash, top 31% of its family; cash from operations less capital spending is 46.1% of revenue (top 39%) (its annual report).

What it rests on

cash less debt against assets12.1%top 31% of its family
cash from operations less capital spending against revenue46.1%top 39% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed

5.7/10

What could actually drive growth from here?

top 43% of 22 in its family for growth drivers.

weight 33% of this tense · 57th percentile among 22 sector filers · read for its customers

From the record

The Bank of N.T. Butterfield & Son Limited's growth drivers, from the filed years to fiscal 2025: revenue grew 3.4% a year over the last three filed years against 4.7% over all 10, slowing (bottom 45% of its family); the newest year grew 4.6% (bottom 34%); capital spending grew 132.3% a year (top 9%) (its annual reports). The Bank of N.T. Butterfield & Son Limited reported 4 lines of business in fiscal 2025: Bermuda at $274 million, Cayman at $197 million, Channel Islands and United Kingdom at $115 million, and 1 more. 4 of 4 grew in the latest filed year, and the largest line is 43% of revenue (its annual report).

What it rests on

three-year growth against the whole span-1.3 points a yearbottom 45% of its family
the newest year's revenue growth4.6%bottom 34% of its family
three-year growth of capital spending132.3%top 9% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed

4.3/10

Did its newest year beat what its own record pointed to?

bottom 44% of 20 in its family for expectations against reality.

weight 33% of this tense · 44th percentile among 20 sector filers · read for its shareholders

From the record

The Bank of N.T. Butterfield & Son Limited's newest year against its own record: revenue of $607 million in fiscal 2025 came in 1.8% above the $596 million its prior three years' pace pointed to (top 39% of its family); net income of $232 million against a prior three-year average of $219 million (bottom 28%); a net margin of 38.2% against 38.4% before (bottom 43%) (its annual reports).

What it rests on

revenue against the prior three years' pace1.8%top 39% of its family
net income against the prior three years' average+6%bottom 28% of its family
net margin against its prior average-0.2 pointsbottom 43% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton NTB · research, not advice