The historical rank and industry rank for Bank of N.T Butterfield & Son's EV-to-FCF or its related term are showing as below:
FRA:4IK'
s EV-to-FCF Range Over the Past 10 Years
Min: -18.65 Med: -0.66 Max: 6.82
Current: 1.76
During the past 12 years, the highest EV-to-FCF of Bank of N.T Butterfield & Son was 6.82. The lowest was -18.65. And the median was -0.66.
FRA:4IK's EV-to-FCF is ranked better than 71.75% of 1193
companies
in the Banks industry
Industry Median: 6.57
vs FRA:4IK: 1.76
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Bank of N.T Butterfield & Son (FRA:4IK) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Bank of N.T Butterfield & Son's PE Ratio (TTM) for today is calculated as:
Bank of N.T Butterfield & Son's share price for today is €52.50.
Bank of N.T Butterfield & Son's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €4.966.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Bank of N.T Butterfield & Son EV-to-FCF Related Terms
Bank of N.T Butterfield & Son EV-to-FCF Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Diversified subindustry, Bank of N.T Butterfield & Son's EV-to-FCF, along with its competitors' market caps and EV-to-FCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Bank of N.T Butterfield & Son EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Bank of N.T Butterfield & Son's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Bank of N.T Butterfield & Son's EV-to-FCF falls into.
Bank of N.T Butterfield & Son's current Enterprise Value is €406.4 Mil.
Bank of N.T Butterfield & Son's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €214.9 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Bank of N.T Butterfield & Son (FRA:4IK) has a EV-to-FCF of 1.89 as of Jul. 11, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Bank of N.T Butterfield & Son and its competitors. According to the industry distribution chart, Bank of N.T Butterfield & Son ranks #337 out of 1193 companies in the Banks industry, placing it in the top 28.2%.
Is Bank of N.T Butterfield & Son's EV-to-FCF too high?
Bank of N.T Butterfield & Son's current EV-to-FCF is 1.89. The Banks industry median EV-to-FCF is 6.57. Bank of N.T Butterfield & Son's value of 1.89 is 71.2% below this industry median. Based on the distribution chart, Bank of N.T Butterfield & Son ranks #337 out of 1193 companies in the Banks industry, which is above the industry midpoint. Overall, Bank of N.T Butterfield & Son has a GF Score™ of 86/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank of N.T Butterfield & Son's EV-to-FCF compare to FRBT and JPM?
According to the Banks industry distribution chart, Bank of N.T Butterfield & Son ranks #337 out of 1193 companies for EV-to-FCF. This puts Bank of N.T Butterfield & Son in the upper half of its industry. The industry median EV-to-FCF is 6.57. Bank of N.T Butterfield & Son's value of 1.89 is 71.2% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.57, based on 1,193 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank of N.T Butterfield & Son's current EV-to-FCF of 1.89 is 71.2% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Bank of N.T Butterfield & Son and its competitors. For the Banks industry, the median EV-to-FCF is 6.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank of N.T Butterfield & Son's current EV-to-FCF is 1.89. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank of N.T Butterfield & Son stock overvalued right now?
Based on GuruFocus' analysis, Bank of N.T Butterfield & Son (FRA:4IK) is currently considered Significantly Overvalued. The stock's GF Value™ is €38.99, compared to a current price of €52.50 — trading 34.6% above its estimated fair value. The current EV-to-FCF is 1.89 and 71.2% below the Banks industry median of 6.57. Bank of N.T Butterfield & Son's overall GF Score™ is 86/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Bank of N.T Butterfield & Son (FRA:4IK), the current EV-to-FCF is 1.89 as of Jul. 11, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Bank of N.T Butterfield & Son (FRA:4IK) Overvalued in 2026?
Based on GuruFocus' analysis, Bank of N.T Butterfield & Son stock appears to be overvalued.
The current stock price of €52.50 is trading 34.6% above its estimated GF Value™ of €38.99.
GuruFocus considers Bank of N.T Butterfield & Son to be Significantly Overvalued.
Key valuation signals for FRA:4IK:
EV-to-FCF: 1.89
GF Value™: €38.99 vs. price of €52.50 (34.6% above fair value)
Industry Position: 71.2% below the Banks median (#337 of 1193)
No single metric tells the full story. See the FRA:4IK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank of N.T Butterfield & Son Business Description
Bank of N.T Butterfield & Son Ltd is a full-service bank and wealth manager. It offers banking services, comprising retail and corporate banking, and wealth management services, which consist of trust, private banking, and asset management business. The company operates through four reportable segments: Bermuda, Cayman, Channel Islands and the UK, and Other. In its Bermuda and Cayman segments, the company offers retail banking and wealth management services. In the Channel Islands and the UK segment, the company offers retail and corporate banking and wealth management services, and the Other segment includes its operations in the Bahamas, Canada, Mauritius, Singapore, and Switzerland. Maximum revenue for the company is generated from its business in Bermuda.
86GF Score
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