NTBNYSECommercial Banks, NECFiscal year ends December 31

Bank of N.T. Butterfield & Son Ltd

Financials through fiscal 2025, year ended Dec 31, 2025Last filing: 20-F on Feb 18, 2026

$58.35−0.30 (-0.51%)

Close on Oct 19, 2026

Margins

Share of revenue, fiscal years 2013 to 2025

38.2%+8.4 pts over 5 years

Compound annual growth to fiscal 2025

Per year	1 year	3 years	5 years	10 years
Revenue	+4.6%	+3.4%	+4.2%	+5.2%
Net income	+7.2%	+2.7%	+9.5%	+11.6%
EPS, diluted	+16.1%	+8.4%	+13.5%	+16.1%
Dividend per share	+6.8%	+2.2%	+1.3%	+14.2%

10 fiscal years. Hover a measure to see how it is calculated.

Measure	FY2016	FY2020	FY2025
Return on equity	15.9%	15.1%	21.4%
Return on assets	1.1%	1.0%	1.6%
Capex to revenue	2.4%	–	–

Return on equity split into margin, efficiency and leverage

Net margin38.2%

Asset turnover0.04×

Equity multiplier13.10×

Return on equity, FY202521.4%

Fiscal year	Net margin	Asset turnover	Equity multiplier	Return on equity
FY2025	38.2%	0.04×	13.10×	21.4%
FY2024	37.3%	0.04×	13.64×	21.4%
FY2023	39.0%	0.04×	14.81×	24.1%
FY2022	39.0%	0.04×	16.09×	23.2%
FY2021	32.6%	0.03×	15.35×	16.6%
FY2020	29.8%	0.03×	14.73×	15.1%
FY2019	33.2%	0.04×	13.38×	19.2%
FY2018	37.7%	0.05×	12.64×	22.9%
FY2017	33.7%	0.04×	14.27×	20.0%
FY2016	28.8%	0.04×	14.63×	15.9%

Parsed from the XBRL in Bank of N.T. Butterfield & Son's annual and quarterly filings with the SEC
Fourth quarters derived from the annual report minus nine months
Every figure in the statements links to its source filing

Trailing twelve months. Peers are matched on business description, industry and size. Ticks are peers, the dot is NTB.

Revenue growth4.6% · median 19.6%

Net margin38.2% · median 28.1%

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