The Bank of N.T. Butterfield & Son Ltd. (NTB) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

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The Bank of N.T. Butterfield & Son Ltd.

Independent Bank Group, Inc.

Why is The Bank of N.T. Butterfield & Son Ltd. ?

The Bank has a high Capital Adequacy Ratio of 20.74% signifying high buffers against its risk based assets

Flat results in Jun 25

DIVIDEND PAYOUT RATIO(Y) Lowest at 35.19%

With ROA of 0.90%, it has a fair valuation with a 1.72 Price to Book Value

The stock is trading at a discount compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of 35.65%, its profits have fallen by -0% ; the PEG ratio of the company is 6.9
At the current price, the company has a high dividend yield of 361.7

Market Beating Performance

The stock has generated a return of 35.65% in the last 1 year, much higher than market (S&P 500) returns of 14.11%

Real-Time Research Report

Verdict Report

How much should you sell?

All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is The Bank of N.T. Butterfield & Son Ltd. for you?

Low Risk, High Return

Absolute

Risk Adjusted

Volatility

The Bank of N.T. Butterfield & Son Ltd.

29.91%

2.21

23.88%

S&P 500

15.36%

0.70

20.15%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

9.62%

EBIT Growth (5y)

10.28%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

33.49%

Pledged Shares

Institutional Holding

86.40%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.82

EV to EBIT

-1.03

EV to EBITDA

-0.87

EV to Capital Employed

0.18

EV to Sales

-0.37

PEG Ratio

0.41

Dividend Yield

4.37%

ROCE (Latest)

-17.52%

ROE (Latest)

20.31%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bullish

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

No Trend

Mildly Bullish

OBV

No Trend

Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

5What is working for the Company

ROCE(HY)

Highest at 1.64%

NII(Q)

Highest at USD 95.61 MM

DIVIDEND PER SHARE(HY)

Highest at USD 0

-13What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 234.05 MM

ROCE(HY)

Lowest at 1.64%

CREDIT DEPOSIT RATIO(HY)

Lowest at 35.66%

OPERATING PROFIT(Q)

Lowest at USD 48.49 MM

OPERATING PROFIT MARGIN(Q)

Lowest at 35.51 %

PRE-TAX PROFIT(Q)

Lowest at USD 48.49 MM

NET PROFIT(Q)

Lowest at USD 46.91 MM

EPS(Q)

Lowest at USD 1.16

Here's what is working for The Bank of N.T. Butterfield & Son Ltd.

NII

Highest at USD 95.61 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (USD MM)

Dividend per share

Highest at USD 0

in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Here's what is not working for The Bank of N.T. Butterfield & Son Ltd.

Operating Cash Flow

Lowest at USD 234.05 MM

in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Operating Profit

Lowest at USD 48.49 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is negative

Operating Profit (USD MM)

Operating Profit Margin

Lowest at 35.51 %

in the last five periods

MOJO Watch

Company's profit margin has deteriorated

Operating Profit to Sales

Pre-Tax Profit

Lowest at USD 48.49 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (USD MM)

Pre-Tax Profit

At USD 48.49 MM has Fallen at -21.47%

over average net sales of the previous four periods of USD 61.75 MM

MOJO Watch

Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (USD MM)

Net Profit

Lowest at USD 46.91 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is negative

Net Profit (USD MM)

Net Profit

At USD 46.91 MM has Fallen at -22.07%

over average net sales of the previous four periods of USD 60.2 MM

MOJO Watch

Near term Net Profit trend is negative

Net Profit (USD MM)

EPS

Lowest at USD 1.16

in the last five periods

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (USD)

Credit Deposit Ratio

Lowest at 35.66%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)