ScoreComparison
Why is The Bank of N.T. Butterfield & Son Ltd. ?
1
The Bank has a high Capital Adequacy Ratio of 20.74% signifying high buffers against its risk based assets
2
Flat results in Jun 25
- DIVIDEND PAYOUT RATIO(Y) Lowest at 35.19%
3
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 29.20%, 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
4
Market Beating Performance
- The stock has generated a return of 29.20% in the last 1 year, much higher than market (S&P 500) returns of 13.22%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to The Bank of N.T. Butterfield & Son Ltd. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
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.
29.2%
1.87
23.85%
S&P 500
13.22%
0.65
20.20%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
7.78%
EBIT Growth (5y)
7.27%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
36.68%
Pledged Shares
0
Institutional Holding
74.56%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
8
Industry P/E
Price to Book Value
1.72
EV to EBIT
-4.89
EV to EBITDA
-3.55
EV to Capital Employed
0.51
EV to Sales
-1.35
PEG Ratio
6.93
Dividend Yield
361.69%
ROCE (Latest)
-10.37%
ROE (Latest)
20.48%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend7What is working for the Company
NII(Q)
Highest at USD 89.41 MM
OPERATING CASH FLOW(Y)
Highest at USD 312.73 MM
GROSS NPA (%)
(Q
-1What is not working for the Company
DIVIDEND PAYOUT RATIO(Y)
Lowest at 35.19%
Here's what is working for The Bank of N.T. Butterfield & Son Ltd.
NII
Highest at USD 89.41 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Non Performing Loans (%)
Lowest at 2.5%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Operating Cash Flow
Highest at USD 312.73 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
CASA
Highest at 26%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for The Bank of N.T. Butterfield & Son Ltd.
Dividend Payout Ratio
Lowest at 35.19%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
