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 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
4
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 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.
34.76%
2.21
23.88%
S&P 500
17.78%
0.70
20.15%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
9.62%
EBIT Growth (5y)
10.28%
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
33.49%
Pledged Shares
0
Institutional Holding
80.28%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
8
Industry P/E
Price to Book Value
1.64
EV to EBIT
-3.56
EV to EBITDA
-2.89
EV to Capital Employed
0.48
EV to Sales
-1.12
PEG Ratio
1.26
Dividend Yield
251.61%
ROCE (Latest)
-13.62%
ROE (Latest)
20.52%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Sideways
Mildly Bullish
Moving Averages
Mildly 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 Trend8What is working for the Company
ROCE(HY)
Highest at 1.64%
DIVIDEND PER SHARE(HY)
Highest at USD 0
OPERATING PROFIT(Q)
Highest at USD 65.98 MM
OPERATING PROFIT MARGIN(Q)
Highest at 48.24 %
PRE-TAX PROFIT(Q)
Highest at USD 65.98 MM
NET PROFIT(Q)
Highest at USD 63.79 MM
EPS(Q)
Highest at USD 1.53
-5What is not working for the Company
ROCE(HY)
Lowest at 1.64%
CASH AND EQV(HY)
Lowest at USD 3,030.89 MM
CREDIT DEPOSIT RATIO(HY)
Lowest at 36.06%
NET SALES(Q)
Lowest at USD 136.78 MM
Here's what is working for The Bank of N.T. Butterfield & Son Ltd.
Operating Profit
Highest at USD 65.98 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 48.24 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 65.98 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 63.79 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 1.53
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
CASA
Highest at 27.6%
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.
Net Sales
Lowest at USD 136.78 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (USD MM)
Cash and Eqv
Lowest at USD 3,030.89 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
Credit Deposit Ratio
Lowest at 36.06%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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