The Bank of N.T. Butterfield & Son Limited (NTB) Earnings History
Annual and quarterly earnings data from 2012 to 2025
Loading earnings history...
NTB EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
NTB Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 75.9% | 29.8% | 29.0% |
| 2024 | 71.1% | 27.0% | 26.5% |
| 2023 | 76.0% | 29.7% | 29.6% |
| 2022 | 90.6% | 35.9% | 35.3% |
| 2021 | 95.8% | 31.8% | 31.2% |
Download Data
Export NTB earnings history in CSV or JSON format
Free sign-in required to download data
The Bank of N.T. Butterfield & Son Limited (NTB) Earnings Overview
As of May 8, 2026, The Bank of N.T. Butterfield & Son Limited (NTB) reported trailing twelve-month net income of $232M, reflecting +16.1% year-over-year growth. The company earned $5.60 per diluted share over the past four quarters, with a net profit margin of 29.0%.
Looking at the long-term picture, NTB's 5-year EPS compound annual growth rate (CAGR) stands at +13.5%, showing solid earnings momentum. The company achieved its highest annual net income of $232M in fiscal 2025, representing a new all-time high.
The Bank of N.T. Butterfield & Son Limited maintains industry-leading profitability with a gross margin of 75.9%, operating margin of 29.8%, and net margin of 29.0%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including WSFS ($287M net income, 21.1% margin), FIBK ($302M net income, 28.5% margin), BOKF ($537M net income, 15.6% margin), NTB has outperformed on profitability metrics. Compare NTB vs WSFS →
NTB Earnings vs Peers
Earnings metrics vs comparable public companies
NTB Historical Earnings Data (2012–2025)
14 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $232M | +7.2% | $238M | $5.47 | 29.0% | 29.8% |
| 2024 | $216M | -4.1% | $221M | $4.71 | 26.5% | 27.0% |
| 2023 | $225M | +5.4% | $226M | $4.58 | 29.6% | 29.7% |
| 2022 | $214M | +31.6% | $218M | $4.29 | 35.3% | 35.9% |
| 2021 | $163M | +10.5% | $166M | $3.26 | 31.2% | 31.8% |
| 2020 | $147M | -16.9% | $0 | $2.90 | 29.3% | 0.0% |
| 2019 | $177M | -9.3% | $0 | $3.30 | 33.3% | 0.0% |
| 2018 | $195M | +27.3% | $221M | $3.50 | 38.2% | 43.3% |
| 2017 | $153M | +32.3% | $153,300 | $2.76 | 34.2% | 0.0% |
| 2016 | $116M | +49.1% | $115,900 | $1.18 | 28.5% | 0.0% |
See NTB's True Return
Price is only half the story. See total return with reinvested dividends.
Launch CalculatorIs NTB Undervalued?
DCF intrinsic value, peer multiples, and analyst estimates — see what the stock is really worth.
View ValuationCompare NTB vs BRK-A
Side-by-side business, growth, and profitability comparison vs Berkshire Hathaway Inc..
Start ComparisonNTB — Frequently Asked Questions
Quick answers to the most common questions about buying NTB stock.
Is NTB growing earnings?
NTB EPS is $5.60, with earnings growth accelerating to +16.1%. This exceeds the 5-year CAGR of +13.5%. TTM net income reached $232M.
What are NTB's profit margins?
The Bank of N.T. Butterfield & Son Limited net margin is +29.0%, with operating margin at +29.8%. Above-average margins indicate pricing power.
How consistent are NTB's earnings?
NTB earnings data spans 2012-2025. The accelerating earnings trend is +16.1% YoY. Historical data enables comparison across business cycles.