Bank of NT Financials

NTB Stock  USD 38.28  0.78  2.08%   
Based on the key indicators related to Bank of NT's liquidity, profitability, solvency, and operating efficiency, Bank of NT is not in a good financial situation at this time. It has a very high probability of going through financial hardship in December. At present, Bank of NT's Total Current Liabilities is projected to increase significantly based on the last few years of reporting. The current year's Other Liabilities is expected to grow to about 154 M, whereas Total Assets are forecasted to decline to about 11.1 B. Key indicators impacting Bank of NT's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio0.20.1053
Way Up
Slightly volatile
Operating Income144.9 M281.8 M
Way Down
Slightly volatile
Current Ratio0.260.2768
Notably Down
Slightly volatile
The essential information of the day-to-day investment outlook for Bank of NT includes many different criteria found on its balance sheet. An individual investor should monitor Bank of NT's cash flow, debt, and profitability to accurately make informed decisions on whether to invest in Bank of NT.

Net Income

236.77 Million

  
Understanding current and past Bank of NT Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Bank of NT's financial statements are interrelated, with each one affecting the others. For example, an increase in Bank of NT's assets may result in an increase in income on the income statement.
Please note, the presentation of Bank of NT's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Bank of NT's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Bank of NT's management manipulating its earnings.

Bank of NT Stock Summary

Bank of NT competes with PJT Partners, National Bank, FB Financial, Northrim BanCorp, and Employers Holdings. Butterfield Son Limited provides a range of community, commercial, and private banking services to individuals and small to medium-sized businesses. Butterfield Son Limited was founded in 1858 and is headquartered in Hamilton, Bermuda. Bank Of Butterfield is traded on New York Stock Exchange in the United States.
Specialization
Financial Services, Banks - Diversified
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINBMG0772R2087
CUSIPG0772R208
LocationBermuda
Business Address65 Front Street,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.butterfieldgroup.com
Phone(441) 295 1111
CurrencyUSD - US Dollar

Bank of NT Key Financial Ratios

Bank of NT Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets13.9B14.7B15.3B14.3B13.4B11.1B
Other Current Liab(8.4M)(335M)(316M)(278M)(7.2M)(7.5M)
Other Liab115.8M136.8M126.2M92.0M105.8M154.0M
Net Tangible Assets859.1M884.1M884.6M776.6M893.1M937.8M
Retained Earnings(9.2M)33.9M104.3M229.7M342.5M359.6M
Accounts Payable8.4M335M316M278M319.7M399.0M
Cash2.6B3.3B2.2B2.1B1.6B1.3B
Other Assets4.2B4.5B4.1B4.3B609.7M579.2M
Long Term Debt143.3M143.5M171M172M98.5M191.3M
Net Receivables23.6M162M158M217M249.6M262.0M
Good Will24.8M25.6M25.4M22.9M24.1M18.3M
Inventory(3.9B)(4.3B)(3.5B)(3.1B)(2.8B)(2.6B)
Other Current Assets3.9B4.3B3.5B3.1B2.9B3.0B
Total Liab13.0B13.8B14.4B13.4B12.4B10.3B
Total Current Assets3.8B4.3B3.5B3.2B2.3B2.2B
Short Term Debt12.4B83.3M83.1M82.1M7.2M6.8M
Intangible Assets71.7M67.2M60.8M51.5M74.8M81.8M
Common Stock964M982M977M865M475K451.3K
Net Debt(2.4B)(3.1B)(2.0B)(1.9B)(1.5B)(1.6B)
Long Term Debt Total143.5M171.5M171.9M172.3M198.1M158.6M

Bank of NT Key Income Statement Accounts

201920202021202220232024 (projected)
Interest Expense59.4M34.4M25.1M54.8M178.7M187.6M
Total Revenue532.5M502.7M496.5M551.7M578.6M466.1M
Gross Profit532.5M502.7M496.5M551.7M404.6M218.2M
Operating Income175.7M149.6M165.8M177.5M281.8M144.9M
Ebit175.7M149.6M165.8M217.7M226.3M237.6M
Income Before Tax175.7M149.6M165.8M217.7M226.3M237.6M
Net Income177.1M147.2M162.7M214.0M225.5M236.8M
Income Tax Expense(1.4M)2.4M3.1M3.7M767K728.7K
Ebitda224.1M212.0M235.2M257.9M262.5M238.8M
Tax Provision(1.4M)2.4M3.1M3.7M767K728.7K
Net Interest Income345.7M317.6M299.8M343.6M367.0M342.7M
Interest Income405.1M317.6M299.8M343.6M545.6M381.6M

Bank of NT Key Cash Accounts

201920202021202220232024 (projected)
Investments1.1B(41.7M)(1.8B)292.0M1.1B1.1B
Change In Cash508.8M735.6M(1.1B)(87.0M)(444.3M)(422.1M)
Depreciation48.4M62.4M69.5M40.2M36.2M26.0M
Dividends Paid93.6M88.9M87.3M87.3M86.2M90.5M
Capital Expenditures22.8M20.6M15.7M26.9M54.3M57.0M
Net Income177.1M147.2M162.7M214.0M225.5M121.8M
Change To Netincome15.2M24.3M19.7M19.2M22.0M23.1M
End Period Cash Flow2.6B3.3B2.2B2.1B1.7B2.3B
Free Cash Flow226.9M167.6M235.6M192.4M246.0M218.2M
Other Non Cash Items5K104K53K2.1M104.5M109.7M

Bank Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Bank of NT's current stock value. Our valuation model uses many indicators to compare Bank of NT value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Bank of NT competition to find correlations between indicators driving Bank of NT's intrinsic value. More Info.
Bank of NT is regarded second in return on equity category among its peers. It is regarded third in return on asset category among its peers reporting about  0.07  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Bank of NT is roughly  13.84 . At present, Bank of NT's Return On Equity is projected to increase slightly based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Bank of NT's earnings, one of the primary drivers of an investment's value.

Bank of NT Systematic Risk

Bank of NT's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Bank of NT volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twenty-four with a total number of output elements of thirty-seven. The Beta measures systematic risk based on how returns on Bank of NT correlated with the market. If Beta is less than 0 Bank of NT generally moves in the opposite direction as compared to the market. If Bank of NT Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Bank of NT is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Bank of NT is generally in the same direction as the market. If Beta > 1 Bank of NT moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Bank of NT Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Bank of NT's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Bank of NT growth as a starting point in their analysis.

Price Earnings To Growth Ratio

1.05

At present, Bank of NT's Price Earnings To Growth Ratio is projected to increase slightly based on the last few years of reporting.

Bank of NT November 21, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Bank of NT help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Bank of NT. We use our internally-developed statistical techniques to arrive at the intrinsic value of Bank of NT based on widely used predictive technical indicators. In general, we focus on analyzing Bank Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Bank of NT's daily price indicators and compare them against related drivers.

Complementary Tools for Bank Stock analysis

When running Bank of NT's price analysis, check to measure Bank of NT's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Bank of NT is operating at the current time. Most of Bank of NT's value examination focuses on studying past and present price action to predict the probability of Bank of NT's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Bank of NT's price. Additionally, you may evaluate how the addition of Bank of NT to your portfolios can decrease your overall portfolio volatility.
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