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

  • Market Cap: Small Cap
  • Industry: Regional Banks
  • ISIN: BMG0772R2087
USD
58.00
-0.16 (-0.28%)

Jun 09

NYS

 View all stocks in this country
  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-recommendationScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy

Comparison

Company
Score
Quality
Valuation
Financial
Technical
Bread Financial Holdings, Inc.
WesBanco, Inc.
Seacoast Banking Corp. of Florida
Renasant Corp.
TowneBank
Banner Corp.
Enterprise Financial Services Corp.
The Bank of N.T. Butterfield & Son Ltd.
BankUnited, Inc.
Hilltop Holdings, Inc.
Independent Bank Group, Inc.

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%
stock-recommendationReal-Time Research Report

Verdict Report

How much should you sell?

  1. 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.
34.17%
2.21
23.88%
S&P 500
22.99%
0.70
20.15%
stock-recommendationQuality
stock-summaryManagement Risk
stock-summaryGrowth
stock-summaryCapital Structure
stock-recommendation
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)
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
86.40%
ROCE (avg)
0
ROE (avg)
0
stock-recommendationValuation

Valuation Scorecard stock-summary

stock-recommendation
Valuation grade scale :

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

Valuation Key Factors stock-summary

Factor
Value
P/E Ratio
9
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%
stock-recommendationTechnicals

Technical key factors

Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
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
stock-recommendation Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
Technical Movement
Analyse All Technical Factors stock-recommendation
stock-recommendationFinancial Trend

Financial Trend Scorecard stock-summary

stock-recommendation
Financial Trend scale:

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

5What is working for the Company
ROCE(HY)

Highest at 1.69%

NII(Q)

Highest at USD 93.28 MM

DIVIDEND PER SHARE(HY)

Highest at USD 0

-8What is not working for the Company
ROCE(HY)

Lowest at 1.69%

CREDIT DEPOSIT RATIO(HY)

Lowest at 35.7%

GROSS NPA (%)

(Q

DIVIDEND PAYOUT RATIO(Y)

Lowest at 32.64%

NET SALES(Q)

Lowest at USD 132.68 MM

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

NII
Highest at USD 93.28 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)

Depreciation
Highest at USD 13.56 MM
in the last five periods
MOJO Watch
The expenditure on assets done by the company may have gone into operation

Depreciation (USD MM)

Depreciation
At USD 13.56 MM has Grown at 83.46%
period on period (QoQ)
MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales

Depreciation (USD MM)

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

Non Performing Loans (%)
Highest at 3.81%
in the last four Semi-Annual periods
MOJO Watch
Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

Credit Deposit Ratio
Lowest at 35.7% and Fallen
In each half year 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 (%)

Net Sales
Lowest at USD 132.68 MM
in the last five periods
MOJO Watch
Near term sales trend is negative

Net Sales (USD MM)

Dividend Payout Ratio
Lowest at 32.64%
in the last five years
MOJO Watch
Company is distributing lower proportion of profits generated as dividend

DPR (%)

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