Bank of N.T. Butterfield & Son reported a gross margin of 98.75% and a net margin of 31.62% for the quarter ended Jun 2026. These financial ratios cover 44 quarters of results from Sep 2015 through Jun 2026, standardized by Business Quant from the company’s SEC filings.
| Ratios | Sep2015 | Dec2015 | Mar2016 | Jun2016 | Sep2016 | Dec2016 | Mar2017 | Jun2017 | Sep2017 | Dec2017 | Mar2018 | Jun2018 | Sep2018 | Dec2018 | Mar2019 | Jun2019 | Sep2019 | Dec2019 | Mar2020 | Jun2020 | Sep2020 | Dec2020 | Mar2021 | Jun2021 | Sep2021 | Dec2021 | Mar2022 | Jun2022 | Sep2022 | Dec2022 | Mar2023 | Jun2023 | Sep2023 | Dec2023 | Mar2024 | Jun2024 | Sep2024 | Dec2024 | Mar2025 | Jun2025 | Sep2025 | Dec2025 | Mar2026 | Jun2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||||||||||||||||||||||||||||||||||||
| Gross Margin | 99.26% | 98.02% | 98.84% | 98.79% | 98.96% | 97.56% | 98.98% | 98.83% | 98.91% | 97.80% | 99.09% | 98.89% | 99.10% | 97.62% | 98.80% | 98.84% | 99.09% | 97.72% | 98.87% | 98.75% | ||||||||||||||||||||||||
| EBT Margin | 32.45% | 33.60% | 35.61% | 37.68% | 41.58% | 42.96% | 42.78% | 42.41% | 34.68% | 36.37% | 38.01% | 36.11% | 37.80% | 40.28% | 37.08% | 37.28% | 40.77% | 41.48% | 41.41% | 30.63% | ||||||||||||||||||||||||
| EBIT Margin | 31.72% | -35.07% | 34.44% | 36.48% | 40.54% | -16.44% | 41.75% | 41.24% | 33.59% | -25.83% | 37.10% | 35.00% | 36.90% | -19.20% | 35.89% | 36.12% | 158.32% | -18.41% | 40.28% | 29.37% | ||||||||||||||||||||||||
| EBITDA Margin | 31.72% | -35.07% | 34.44% | 36.48% | 40.54% | -16.44% | 41.75% | 41.24% | 33.59% | -25.83% | 41.01% | 38.77% | 40.53% | -19.20% | 39.48% | 39.84% | 161.77% | -18.41% | 43.66% | 32.69% | ||||||||||||||||||||||||
| Operating Margin | 31.72% | -35.07% | 34.44% | 36.48% | 40.54% | -16.44% | 41.75% | 41.24% | 33.59% | -25.83% | 37.10% | 35.00% | 36.90% | -19.20% | 35.89% | 36.12% | 158.32% | -18.41% | 40.28% | 29.37% | ||||||||||||||||||||||||
| Net Margin | 779.32% | 774.56% | 36.37% | 38.48% | 537.87% | 582.36% | 43.23% | 42.76% | 651.50% | 692.62% | 38.61% | 36.77% | 745.65% | 672.91% | 37.88% | 38.10% | 721.46% | 717.72% | 42.29% | 31.62% | ||||||||||||||||||||||||
| FCF Margin | 68.29% | -13.48% | 48.06% | 31.11% | 32.08% | 44.72% | 52.50% | 52.93% | 22.62% | 27.26% | 20.12% | 61.68% | 78.99% | -22.55% | 42.40% | 68.86% | 33.88% | 10.34% | 38.13% | 37.34% | ||||||||||||||||||||||||
| Efficiency | ||||||||||||||||||||||||||||||||||||||||||||
| Assets AverageAssets Avg. | 15.64B | 15.48B | 15.30B | 14.81B | 14.33B | 14.31B | 14.02B | 13.62B | 13.44B | 13.37B | 13.45B | 13.73B | 13.87B | 14.02B | 14.05B | 14.03B | 14.05B | 14.01B | 14.26B | 14.39B | ||||||||||||||||||||||||
| Invested CapitalInvested Cap. | 12.55B | 12.04B | 1.01B | 0.97B | 11.16B | 10.69B | 1.11B | 1.05B | 10.45B | 10.41B | 1.09B | 1.10B | 11.09B | 11.26B | 11.08B | 11.07B | 11.27B | 11.42B | ||||||||||||||||||||||||||
| Asset Utilization RatioAsset Util. | 0.03 | 0.03 | 0.03 | 0.03 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | ||||||||||||||||||||||||
| Leverage & Solvency | ||||||||||||||||||||||||||||||||||||||||||||
| Interest Coverage RatioInterest Cover | 8.29 | -8.49 | 8.80 | 9.32 | 11.56 | -5.22 | 11.56 | 11.13 | 9.85 | -0.21 | 10.86 | 9.13 | 9.49 | -0.12 | 8.84 | 10.03 | 50.47 | -0.15 | 12.14 | 7.99 | ||||||||||||||||||||||||
| Debt Ratio | 0.74 | 0.72 | 0.01 | 0.01 | 0.72 | 0.69 | 0.01 | 0.01 | 0.71 | 0.70 | 0.01 | 0.01 | 0.73 | 0.72 | 0.73 | 0.72 | 0.72 | 0.71 | ||||||||||||||||||||||||||
| Times Interest Earned | 8.29 | -8.49 | 8.80 | 9.32 | 11.56 | -5.22 | 11.56 | 11.13 | 9.85 | -0.21 | 10.86 | 9.13 | 9.49 | -0.12 | 8.84 | 10.03 | 50.47 | -0.15 | 12.14 | 7.99 | ||||||||||||||||||||||||
| Dividends & Payouts | ||||||||||||||||||||||||||||||||||||||||||||
| Dividend Coverage RatioDiv. Cover | -44.67 | -11.20 | -2.12 | -2.35 | -34.57 | -9.90 | -2.89 | -2.84 | -43.07 | -11.64 | -2.69 | -2.61 | -53.97 | -12.83 | -2.99 | -3.04 | -54.08 | -14.69 | -3.27 | -2.54 | ||||||||||||||||||||||||
| FCF Payout RatioFCF Cover | -0.26 | 5.13 | -0.36 | -0.53 | -0.49 | -1.32 | -0.28 | -0.28 | -0.67 | -2.18 | -0.71 | -0.23 | -0.17 | 2.33 | -0.30 | -0.18 | -0.39 | -4.72 | -0.34 | -0.33 | ||||||||||||||||||||||||
| Dividend YieldDiv. Yield | -1.23% | -4.59% | -1.22% | -1.40% | -1.35% | -5.83% | -1.62% | -1.59% | -1.57% | -5.66% | -1.35% | -1.21% | -1.12% | -5.00% | -1.11% | -0.95% | -1.09% | -3.91% | -0.95% | -0.83% | ||||||||||||||||||||||||
| Payout Ratio | -0.02 | -0.09 | -0.47 | -0.43 | -0.03 | -0.10 | -0.35 | -0.35 | -0.02 | -0.09 | -0.37 | -0.38 | -0.02 | -0.08 | -0.33 | -0.33 | -0.02 | -0.07 | -0.31 | -0.39 | ||||||||||||||||||||||||
| Valuation | ||||||||||||||||||||||||||||||||||||||||||||
| Price to EarningsP/E | 1.82 | 1.95 | 38.68 | 30.38 | 2.15 | 1.73 | 21.36 | 22.18 | 1.48 | 1.52 | 27.57 | 31.82 | 1.65 | 1.56 | 30.19 | 34.59 | 1.69 | 1.74 | 32.09 | 47.47 | ||||||||||||||||||||||||
| Price to SalesP/S | 14.21 | 15.07 | 14.07 | 11.69 | 11.54 | 10.09 | 9.24 | 9.48 | 9.61 | 10.50 | 10.65 | 11.70 | 12.28 | 10.49 | 11.44 | 13.18 | 12.19 | 12.51 | 13.57 | 15.01 | ||||||||||||||||||||||||
| Price to BookP/B | 1.76 | 1.95 | 2.13 | 1.94 | 1.85 | 1.73 | 1.45 | 1.45 | 1.49 | 1.52 | 1.53 | 1.67 | 1.75 | 1.56 | 1.67 | 1.80 | 1.78 | 1.74 | 1.85 | 2.07 | ||||||||||||||||||||||||
| Enterprise Value | -5.50B | -0.70B | -1.25B | -0.51B | -3.34B | -0.30B | -1.08B | -1.09B | -3.12B | -0.43B | -1.57B | -1.35B | -3.73B | -0.99B | -4.07B | -0.63B | -4.04B | -0.48B | -0.76B | 0.07B | ||||||||||||||||||||||||
| EV to EBIT | -138.65 | 15.84 | -28.53 | -10.52 | -58.67 | 12.15 | -17.58 | -18.20 | -65.65 | 11.42 | -29.64 | -27.09 | -70.77 | 33.89 | -76.59 | -12.00 | -16.63 | 16.22 | -12.18 | 1.57 | ||||||||||||||||||||||||
| EV to EBITDA | -138.65 | 15.84 | -28.53 | -10.52 | -58.67 | 12.15 | -17.58 | -18.20 | -65.65 | 11.42 | -26.82 | -24.46 | -64.43 | 33.89 | -69.61 | -10.88 | -16.27 | 16.22 | -11.24 | 1.41 | ||||||||||||||||||||||||
| Market Capitalization | 1.78B | 1.90B | 1.79B | 1.56B | 1.62B | 1.50B | 1.36B | 1.38B | 1.36B | 1.52B | 1.52B | 1.67B | 1.75B | 1.59B | 1.69B | 1.93B | 1.87B | 1.99B | 2.10B | 2.38B | ||||||||||||||||||||||||
| Price to FCFP/FCF | 20.81 | -111.82 | 29.27 | 37.58 | 35.99 | 22.57 | 17.59 | 17.92 | 42.48 | 38.51 | 52.90 | 18.97 | 15.55 | -46.51 | 26.97 | 19.14 | 35.98 | 120.99 | 35.59 | 40.20 | ||||||||||||||||||||||||
| EV to FCF | -64.40 | 41.22 | -20.45 | -12.33 | -74.15 | -4.47 | -13.98 | -14.18 | -97.47 | -10.82 | -54.65 | -15.37 | -33.06 | 28.84 | -64.82 | -6.30 | -77.71 | -28.89 | -12.86 | 1.23 | ||||||||||||||||||||||||
| EV to CFO | -64.40 | 41.22 | -20.45 | -12.33 | -74.15 | -4.47 | -13.98 | -14.18 | -97.47 | -10.82 | -55.57 | -15.37 | -33.06 | 77.81 | -64.82 | -6.30 | -77.71 | -28.89 | -12.86 | 1.23 | ||||||||||||||||||||||||
| Return Ratios | ||||||||||||||||||||||||||||||||||||||||||||
| Return on Sales [ROS]ROS | 31.72% | -35.07% | 34.44% | 36.48% | 40.54% | -16.44% | 41.75% | 41.24% | 33.59% | -25.83% | 37.10% | 35.00% | 36.90% | -19.20% | 35.89% | 36.12% | 158.32% | -18.41% | 40.28% | 29.37% | ||||||||||||||||||||||||
| Return on Invested Capital [ROIC]ROIC | 1.03% | 0.63% | 1.23% | 9.01% | 1.76% | 1.16% | 2.45% | 14.41% | 2.54% | 1.26% | 2.15% | 10.39% | 1.96% | 1.16% | 1.16% | 2.93% | 2.97% | |||||||||||||||||||||||||||
| Return on Assets [ROA]ROA | 1.07% | 1.09% | 1.12% | 1.23% | 1.40% | 1.55% | 1.70% | 1.83% | 1.78% | 1.70% | 1.62% | 1.52% | 1.55% | 1.61% | 1.61% | 1.64% | 1.70% | 1.74% | 1.78% | 1.72% |