NTB
Butterfield·NYSE
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NTB fundamentals
Butterfield (NTB) released its earnings on Oct 28, 2025: revenue was 153.30M (YoY +7.43%), beat estimates; EPS was 1.51 (YoY +30.17%), beat estimates.
Revenue / YoY
153.30M
+7.43%
EPS / YoY
1.51
+30.17%
Report date
Oct 28, 2025
NTB Earnings Call Summary for Q3,2025
- Record Q3 Results: $61.1M net income, 25.5% ROE, and 2.73% NIM reflect strong profitability and capital efficiency.
- Margin Expansion: 9 bps NIM improvement driven by deposit cost decline; $1B AFS/HTM repricing and $400M loan resets to fuel further growth.
- Fee Income Surge: +7% noninterest income from +10% banking fees, FX volumes, and card incentives; Bermuda tourism ADR up 10%.
- Conservative Capital Management: $30.3M share buybacks, $0.50 dividend, and 6%+ TCE/TA ratio maintain financial flexibility.
- Risk Management: 70% full-recourse mortgages (80% LTV <70%), 0.6% ACL, and 28% low-risk asset density ensure balance sheet resilience.
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Key Indicators
Butterfield (NTB) key financial stats and ratios, covering profitability, financial health, and leverage.
Butterfield (NTB)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.
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Butterfield (NTB)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.
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Butterfield (NTB)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.
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Where does Butterfield (NTB) generate its revenue? Explore its key revenue streams and top earning regions.
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Track Butterfield (NTB) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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What is Butterfield's latest dividend and current dividend yield?Did Butterfield beat or miss consensus estimates last quarter?What guidance did Butterfield's management provide for the next earnings period?What is Butterfield's gross profit margin?What is the market's earnings forecast for Butterfield next quarter?What were the key takeaways from Butterfield’s earnings call?What factors drove the changes in Butterfield's revenue and profit?What were the key takeaways from Butterfield's earnings call?
