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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash-to-Debt 12.26
NTB's Cash-to-Debt is ranked higher than
82% of the 1374 Companies
in the Global Banks - Global industry.

( Industry Median: 1.22 vs. NTB: 12.26 )
Ranked among companies with meaningful Cash-to-Debt only.
NTB' s Cash-to-Debt Range Over the Past 10 Years
Min: 12.26  Med: 15.78 Max: 22.69
Current: 12.26
12.26
22.69
Equity-to-Asset 0.08
NTB's Equity-to-Asset is ranked lower than
75% of the 1386 Companies
in the Global Banks - Global industry.

( Industry Median: 0.11 vs. NTB: 0.08 )
Ranked among companies with meaningful Equity-to-Asset only.
NTB' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.07 Max: 0.09
Current: 0.08
0.06
0.09
Debt-to-Equity 0.17
NTB's Debt-to-Equity is ranked higher than
84% of the 1222 Companies
in the Global Banks - Global industry.

( Industry Median: 0.72 vs. NTB: 0.17 )
Ranked among companies with meaningful Debt-to-Equity only.
NTB' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.12  Med: 0.15 Max: 0.17
Current: 0.17
0.12
0.17
Debt-to-EBITDA 0.30
NTB's Debt-to-EBITDA is ranked higher than
90% of the 1236 Companies
in the Global Banks - Global industry.

( Industry Median: 1.99 vs. NTB: 0.30 )
Ranked among companies with meaningful Debt-to-EBITDA only.
NTB' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0.3
Current: 0.3
0
0.3
Beneish M-Score: -1.93
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 3/10

vs
industry
vs
history
Net Margin % 36.77
NTB's Net Margin % is ranked higher than
83% of the 1390 Companies
in the Global Banks - Global industry.

( Industry Median: 23.34 vs. NTB: 36.77 )
Ranked among companies with meaningful Net Margin % only.
NTB' s Net Margin % Range Over the Past 10 Years
Min: 20.78  Med: 28.12 Max: 36.77
Current: 36.77
20.78
36.77
ROE % 21.54
NTB's ROE % is ranked higher than
94% of the 1390 Companies
in the Global Banks - Global industry.

( Industry Median: 8.73 vs. NTB: 21.54 )
Ranked among companies with meaningful ROE % only.
NTB' s ROE % Range Over the Past 10 Years
Min: 7.66  Med: 9.38 Max: 21.54
Current: 21.54
7.66
21.54
ROA % 1.62
NTB's ROA % is ranked higher than
82% of the 1396 Companies
in the Global Banks - Global industry.

( Industry Median: 0.90 vs. NTB: 1.62 )
Ranked among companies with meaningful ROA % only.
NTB' s ROA % Range Over the Past 10 Years
Min: 0.77  Med: 1.09 Max: 1.62
Current: 1.62
0.77
1.62
3-Year Revenue Growth Rate -0.70
NTB's 3-Year Revenue Growth Rate is ranked lower than
76% of the 1293 Companies
in the Global Banks - Global industry.

( Industry Median: 4.30 vs. NTB: -0.70 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NTB' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -0.7  Med: -0.7 Max: -0.7
Current: -0.7
GuruFocus has detected 4 Warning Signs with Bank of N.T Butterfield & Son Ltd NTB.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» NTB's 30-Y Financials

Financials (Next Earnings Date: 2018-10-25 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q3 2017

NTB Guru Trades in Q3 2017

HOTCHKIS & WILEY 563,239 sh (+0.57%)
Julian Robertson 82,709 sh (unchged)
Chuck Royce 222,226 sh (unchged)
Steven Cohen Sold Out
NWQ Managers 3,375,583 sh (-0.77%)
Jim Simons 131,900 sh (-32.12%)
» More
Q4 2017

NTB Guru Trades in Q4 2017

HOTCHKIS & WILEY 1,344,067 sh (+138.63%)
Jim Simons 137,000 sh (+3.87%)
Chuck Royce 222,226 sh (unchged)
Julian Robertson Sold Out
NWQ Managers 3,225,390 sh (-4.45%)
» More
Q1 2018

NTB Guru Trades in Q1 2018

Chris Davis 2,344,364 sh (New)
Chuck Royce 272,226 sh (+22.50%)
Jim Simons 167,470 sh (+22.24%)
HOTCHKIS & WILEY 1,322,842 sh (-1.58%)
NWQ Managers 2,397,293 sh (-25.67%)
» More
Q2 2018

NTB Guru Trades in Q2 2018

George Soros 95,337 sh (New)
Chris Davis 2,360,279 sh (+0.68%)
Chuck Royce 272,226 sh (unchged)
HOTCHKIS & WILEY 1,225,349 sh (-7.37%)
NWQ Managers 2,209,940 sh (-7.82%)
Jim Simons 43,300 sh (-74.14%)
» More
» Details

Insider Trades

Latest Guru Trades with NTB

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Chris Davis 2018-06-30 Add 0.68%$43.57 - $49.1 $ 51.369%2,360,279
NWQ Managers 2018-06-30 Reduce -7.82%0.14%$43.57 - $49.1 $ 51.369%2,209,940
HOTCHKIS & WILEY 2018-06-30 Reduce -7.37%0.02%$43.57 - $49.1 $ 51.369%1,225,349
George Soros 2018-06-30 New Buy0.08%$43.57 - $49.1 $ 51.369%95,337
NWQ Managers 2018-03-31 Reduce -25.67%0.43%$36.67 - $47.09 $ 51.3620%2,397,293
NWQ Managers 2018-03-31 Reduce -25.67%0.54%Premium Member Access $44.88 $ 51.3614%2,397,293
Chris Davis 2018-03-31 New Buy0.46%$36.67 - $47.09 $ 51.3620%2,344,364
HOTCHKIS & WILEY 2018-03-31 Reduce -1.58%$36.67 - $47.09 $ 51.3620%1,322,842
NWQ Managers 2017-12-31 Reduce -4.45%0.08%$35.52 - $39.9 $ 51.3638%3,225,390
HOTCHKIS & WILEY 2017-12-31 Add 138.63%0.1%$35.52 - $39.9 $ 51.3638%1,344,067
Julian Robertson 2017-12-31 Sold Out 0.55%$35.52 - $39.9 $ 51.3638%0
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
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Business Description

Industry: Banks » Banks - Global    NAICS: 522110    SIC: 6021
Compare:WAR:ALR, XSGO:SUD AMER-A, TSE:8385, KAR:HBL, XSWX:EFGN, LSE:BLBD, TSE:8382, ADX:ADIB, TSE:8341, ATH:ETE, TSE:8381, TSE:8366, TSE:8544, TSE:8368, TSE:8361, BSP:ABCB4, TSE:8346, TSE:8367, TSE:8356, KAR:SCBPL » details
Headquarter Location:Bermuda
Bank of N.T Butterfield & Son Ltd is a community bank providing international financial services. Its services include retail, private, corporate banking, treasury, custody, asset management and personal and institutional trust services.

Bank of N.T Butterfield & Son Ltd is a full-service bank and wealth manager. It operates the business through six geographic segments, Bermuda, the Cayman Islands, and Guernsey, where its principal banking operations are located and The Bahamas, Switzerland, and the United Kingdom, where it offers specialized financial services. The company offers banking services, comprised of retail and corporate banking, and wealth management, which consists of trust, private banking, and asset management. The company generates a majority of its revenue from the Bermuda, and the Cayman Islands segments were it provides a full range of retail and corporate banking services to individuals, local businesses, captive insurers, reinsurance companies, trust companies, and hedge funds.

Ratios

vs
industry
vs
history
PE Ratio 16.36
NTB's PE Ratio is ranked lower than
59% of the 1278 Companies
in the Global Banks - Global industry.

( Industry Median: 14.76 vs. NTB: 16.36 )
Ranked among companies with meaningful PE Ratio only.
NTB' s PE Ratio Range Over the Past 10 Years
Min: 8.91  Med: 16.92 Max: 51.36
Current: 16.36
8.91
51.36
PE Ratio without NRI 16.36
NTB's PE Ratio without NRI is ranked lower than
59% of the 1278 Companies
in the Global Banks - Global industry.

( Industry Median: 14.76 vs. NTB: 16.36 )
Ranked among companies with meaningful PE Ratio without NRI only.
NTB' s PE Ratio without NRI Range Over the Past 10 Years
Min: 8.91  Med: 16.92 Max: 51.36
Current: 16.36
8.91
51.36
PB Ratio 3.34
NTB's PB Ratio is ranked lower than
96% of the 1383 Companies
in the Global Banks - Global industry.

( Industry Median: 1.24 vs. NTB: 3.34 )
Ranked among companies with meaningful PB Ratio only.
NTB' s PB Ratio Range Over the Past 10 Years
Min: 1.33  Med: 2.48 Max: 3.47
Current: 3.34
1.33
3.47
PS Ratio 6.00
NTB's PS Ratio is ranked lower than
87% of the 1373 Companies
in the Global Banks - Global industry.

( Industry Median: 3.41 vs. NTB: 6.00 )
Ranked among companies with meaningful PS Ratio only.
NTB' s PS Ratio Range Over the Past 10 Years
Min: 3.01  Med: 4.55 Max: 6.24
Current: 6
3.01
6.24
Price-to-Free-Cash-Flow 15.45
NTB's Price-to-Free-Cash-Flow is ranked lower than
65% of the 754 Companies
in the Global Banks - Global industry.

( Industry Median: 12.61 vs. NTB: 15.45 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
NTB' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 7.66  Med: 11.95 Max: 16.08
Current: 15.45
7.66
16.08
Price-to-Operating-Cash-Flow 14.32
NTB's Price-to-Operating-Cash-Flow is ranked lower than
68% of the 803 Companies
in the Global Banks - Global industry.

( Industry Median: 11.07 vs. NTB: 14.32 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
NTB' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 7.37  Med: 11.26 Max: 14.9
Current: 14.32
7.37
14.9
EV-to-Revenue 2.38
NTB's EV-to-Revenue is ranked higher than
74% of the 1151 Companies
in the Global Banks - Global industry.

( Industry Median: 4.50 vs. NTB: 2.38 )
Ranked among companies with meaningful EV-to-Revenue only.
NTB' s EV-to-Revenue Range Over the Past 10 Years
Min: -3  Med: 0.8 Max: 2.7
Current: 2.38
-3
2.7

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.84
NTB's Dividend Yield % is ranked higher than
52% of the 2530 Companies
in the Global Banks - Global industry.

( Industry Median: 2.60 vs. NTB: 2.84 )
Ranked among companies with meaningful Dividend Yield % only.
NTB' s Dividend Yield % Range Over the Past 10 Years
Min: 0.29  Med: 2.74 Max: 3.53
Current: 2.84
0.29
3.53
Dividend Payout Ratio 0.45
NTB's Dividend Payout Ratio is ranked lower than
66% of the 1372 Companies
in the Global Banks - Global industry.

( Industry Median: 0.34 vs. NTB: 0.45 )
Ranked among companies with meaningful Dividend Payout Ratio only.
NTB' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.09  Med: 0.27 Max: 0.46
Current: 0.45
0.09
0.46
Forward Dividend Yield % 2.99
NTB's Forward Dividend Yield % is ranked lower than
51% of the 2459 Companies
in the Global Banks - Global industry.

( Industry Median: 2.93 vs. NTB: 2.99 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.84
NTB's 5-Year Yield-on-Cost % is ranked lower than
58% of the 2507 Companies
in the Global Banks - Global industry.

( Industry Median: 3.30 vs. NTB: 2.84 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
NTB' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.29  Med: 2.74 Max: 3.53
Current: 2.84
0.29
3.53
3-Year Average Share Buyback Ratio -4.90
NTB's 3-Year Average Share Buyback Ratio is ranked lower than
62% of the 975 Companies
in the Global Banks - Global industry.

( Industry Median: -2.40 vs. NTB: -4.90 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
NTB' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -4.9  Med: -4.9 Max: -4.9
Current: -4.9

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 3.67
NTB's Price-to-Tangible-Book is ranked lower than
96% of the 1370 Companies
in the Global Banks - Global industry.

( Industry Median: 1.33 vs. NTB: 3.67 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
NTB' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.46  Med: 2.62 Max: 3.72
Current: 3.67
1.46
3.72
Price-to-Median-PS-Value 1.32
NTB's Price-to-Median-PS-Value is ranked lower than
73% of the 1305 Companies
in the Global Banks - Global industry.

( Industry Median: 1.11 vs. NTB: 1.32 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
NTB' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.69  Med: 0.98 Max: 1.34
Current: 1.32
0.69
1.34
Price-to-Graham-Number 1.63
NTB's Price-to-Graham-Number is ranked lower than
88% of the 1212 Companies
in the Global Banks - Global industry.

( Industry Median: 1.01 vs. NTB: 1.63 )
Ranked among companies with meaningful Price-to-Graham-Number only.
NTB' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.77  Med: 1.54 Max: 2.34
Current: 1.63
0.77
2.34

More Statistics

Revenue (TTM) (Mil) $476.68
EPS (TTM) $ 3.14
Volatility23.42%
52-Week Range $34.86 - 53.63
Shares Outstanding (Mil)55.17

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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