NTB PEER ANALYSIS

Bank of N.T. Butterfield & Son Ltd — metric-by-metric comparison with peers and the industry median

NTBBank of N.T. Butterfield & Son Ltd

🇺🇸 USA · NYSE · Financial Services · Banks - Diversified

Value it Duel

Overall Profile & Returns

· Banks - Diversified

Position Within Industry

0 = weak quartile, 100 = strong quartile

NTBIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	NTB	HSBA	BARC	STAN	SAB	SHB-A	Ind. Median
P/E	10.29	15.22	10.02	12.25	10.02●	12.06	14.83
P/B	2.18	1.94	0.95●	1.22	1.17	1.66	1.79
EV/EBITDA	-10.25	17.23	-18.72●	9.27	19.33	40.89	19.45
P/S	—	—	—	—	—	—	—

Financial Health
Metric	NTB	HSBA	BARC	STAN	SAB	SHB-A	Ind. Median
Current Ratio	0.42	0.99	0.64	0.13	1.16●	0.81	0.44
Debt/Equity	11.6%●	244.9%	178.5%	155.9%	336.1%	945.1%	294.1%
NetDebt/EBITDA	-18.95	6.66	-25.00●	1.55	13.46	32.15	8.47

Profitability
Metric	NTB	HSBA	BARC	STAN	SAB	SHB-A	Ind. Median
Net Margin	31.8%●	17.7%	17.8%	11.8%	20.5%	17.4%	17.3%
ROE	22.0%●	12.2%	9.6%	10.2%	11.4%	13.3%	12.1%
ROA	1.7%●	0.7%	0.4%	0.6%	0.7%	0.6%	0.7%
EBITDA Margin	—	—	—	—	—	—	—

Growth + Dividend
Metric	NTB	HSBA	BARC	STAN	SAB	SHB-A	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	11.2%	52.7%●	10.0%	27.4%	-5.0%	-12.5%	12.5%
Div. Yield	3.4%	5.2%	1.7%	2.9%	8.4%●	5.6%	2.8%
Payout	32.8%	—	31.0%	—	83.8%	125.0%	40.2%

Valuation
Metric	NTB	EFSC	WT	APAM	HCI	WU	Ind. Median
P/E	10.29	12.15	41.98	8.97	7.97	5.74●	14.83
P/B	2.18	1.21●	5.36	6.62	2.15	2.78	1.79
EV/EBITDA	-10.25●	8.70	42.15	5.21	2.93	2.51	19.45
P/S	—	—	—	—	—	—	—

Financial Health
Metric	NTB	EFSC	WT	APAM	HCI	WU	Ind. Median
Current Ratio	0.42	—	9.07●	0.97	1.07	1.02	0.44
Debt/Equity	11.6%	20.4%	253.2%	79.5%	6.2%●	288.1%	294.1%
NetDebt/EBITDA	-18.95●	0.52	7.79	0.02	-2.13	-0.34	8.47

Profitability
Metric	NTB	EFSC	WT	APAM	HCI	WU	Ind. Median
Net Margin	31.8%	21.0%	-0.3%	23.3%	32.6%●	10.9%	17.3%
ROE	22.0%	10.3%	-0.4%	77.0%●	37.6%	47.7%	12.1%
ROA	1.7%	1.2%	-0.1%	20.4%●	12.3%	5.4%	0.7%
EBITDA Margin	—	—	—	—	—	—	—

Growth + Dividend
Metric	NTB	EFSC	WT	APAM	HCI	WU	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	11.2%	3.1%	—	9.9%	129.3%●	-51.8%	12.5%
Div. Yield	3.4%	1.9%	0.7%	10.0%	0.9%	12.0%●	2.8%
Payout	32.8%	25.1%	-1,013.5%	95.7%	0.3%	69.4%	40.2%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 6, 26. This content is for informational purposes only and is not investment advice.