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

For fiscal 2025 (fiscal year ended Dec 31, 2025), The Bank of N.T. Butterfield & Son had a P/E ratio of 8.72 (up from 7.46), return on equity of 21.4% (up from 21.4%), debt-to-equity of 0.04 (down from 0.22) and return on assets of 1.6% (up from 1.6%). Its dividend yield was 3.72% with a payout ratio of 33.5%.

The Bank of N.T. Butterfield & Son Financial Ratios Analysis

Valuation, profitability, leverage, and liquidity ratios

Income Statement Balance Sheet Cash Flow Ratios

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Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Valuation Ratios
P/E Ratio	8.72	7.46	6.82	6.91	11.59	10.47
Forward P/E	9.18	8.86	7.42	6.54	11.83	11.07
P/S Ratio	3.33	2.78	2.66	2.69	3.77	3.12
P/B Ratio	1.77	1.58	1.53	1.71	1.93	1.57
Price/Tangible Book	1.93	1.74	1.70	1.91	2.13	1.74
Price/FCF	7.93	6.61	5.63	7.69	8.00	9.20
Price/OCF	7.23	6.08	5.12	6.75	7.50	8.20
PEG Ratio	1.44	1.48	1.27	1.09	1.97	2.07
Enterprise Value Ratios
Profitability & Returns
Return on Equity (ROE)	21.45%	21.37%	24.14%	23.23%	16.60%	15.13%
Return on Assets (ROA)	1.64%	1.57%	1.63%	1.44%	1.08%	1.03%
Leverage & Solvency Ratios
Debt/Equity	0.04	0.22	0.14	0.24	0.22	0.25
Debt/FCF	0.17	0.94	0.53	1.10	0.91	1.44
Liquidity Ratios
Efficiency Ratios
Yield & Distribution Ratios
Earnings Yield	11.47%	13.40%	14.65%	14.46%	8.62%	9.55%
FCF Yield	12.60%	15.14%	17.77%	13.00%	12.49%	10.87%
Dividend Yield	3.72%	4.68%	5.37%	5.91%	4.60%	7.33%
Payout Ratio	33.51%	36.79%	38.22%	40.81%	53.66%	60.41%
Buyback Yield	7.59%	6.86%	1.17%	0.03%	1.92%	5.24%
Total Return	11.30%	11.53%	6.54%	5.94%	6.52%	12.56%

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About The Bank of N.T. Butterfield & Son Financial Ratios

What is The Bank of N.T. Butterfield & Son's P/E ratio?

The Bank of N.T. Butterfield & Son's P/E ratio was 8.72 for fiscal 2025 (period ended Dec 31, 2025). It was 7.46 a year earlier.

What is The Bank of N.T. Butterfield & Son's return on equity?

The Bank of N.T. Butterfield & Son's return on equity (ROE) was 21.4% for fiscal 2025 (period ended Dec 31, 2025). It was 21.4% a year earlier.

What is The Bank of N.T. Butterfield & Son's debt-to-equity ratio?

The Bank of N.T. Butterfield & Son's debt-to-equity ratio was 0.04 for fiscal 2025 (period ended Dec 31, 2025). It was 0.22 a year earlier.

What is return on equity (ROE)?

Return on equity is net income divided by shareholders' equity. It measures how much profit a company generates from the capital its shareholders have invested. Full definition