Last 48 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 9.47 | 9.64 | 12.82 | 8.58 | 8.09 | 7.35 | 8.86 | 7.91 | 6.67 | 7.95 | 8.06 | 7.08 | 7.21 | 6.84 | 5.61 | 5.44 | 5.91 | 7.06 | 7.88 | 10.08 | 11.34 |
| — | +31.3% | +44.8% | +8.4% | +21.3% | -7.6% | +9.9% | +11.8% | -7.5% | +16.2% | +43.7% | +30.0% | +21.9% | -3.1% | -28.8% | -46.0% | -47.9% | -36.4% | -29.8% | -12.5% | +22.3% | |
| P/S Ratio | 3.90 | 3.62 | 5.06 | 4.60 | 3.25 | 2.97 | 3.22 | 2.87 | 2.61 | 2.92 | 2.84 | 2.65 | 4.17 | 3.51 | 3.25 | 3.06 | 3.02 | 3.17 | 3.08 | 3.73 | 3.78 |
| — | +21.7% | +56.9% | +60.4% | +24.5% | +2.0% | +13.5% | +8.4% | -37.5% | -17.0% | -12.5% | -13.5% | +37.9% | +10.9% | +5.4% | -17.9% | -19.9% | -15.1% | -17.8% | -4.8% | +21.9% | |
| P/B Ratio | 2.03 | 2.10 | 2.09 | 1.89 | 1.81 | 1.65 | 1.77 | 1.60 | 1.56 | 1.58 | 1.63 | 1.52 | 1.53 | 1.44 | 1.44 | 1.44 | 1.72 | 2.14 | 1.93 | 2.12 | 1.94 |
| — | +26.8% | +18.6% | +17.7% | +16.1% | +4.8% | +8.5% | +5.8% | +1.5% | +9.5% | +13.3% | +5.0% | -10.9% | -32.7% | -25.8% | -32.0% | -11.4% | +17.8% | +5.6% | +4.2% | +22.9% | |
| P/FCF | 9.70 | 9.75 | 11.09 | 10.66 | 8.77 | 9.77 | 5.04 | 7.65 | 14.05 | 3.96 | 4.88 | 14.42 | 4.73 | 12.98 | 4.96 | 4.83 | 5.68 | 10.80 | 11.01 | 8.26 | 7.36 |
| — | -0.2% | +120.1% | +39.3% | -37.6% | +146.8% | +3.2% | -46.9% | +197.2% | -69.5% | -1.5% | +198.6% | -16.8% | +20.2% | -55.0% | -41.5% | -22.8% | +99.8% | +0.7% | -15.6% | -34.8% | |
| EV / EBITDA | 1.93 | 3.00 | 5.00 | 1.08 | 1.21 | 1.14 | 1.76 | -1.12 | -0.78 | -1.06 | -2.15 | -0.72 | 0.08 | — | — | — | — | — | — | — | -0.48 |
| — | +162.1% | +183.5% | +196.8% | +254.9% | +207.9% | +182.1% | -56.0% | -1139.3% | — | — | — | — | — | — | — | — | — | — | — | +92.7% | |
| EV / EBIT | 2.53 | 3.00 | 5.80 | 1.31 | 1.35 | 1.31 | 2.01 | -1.37 | -0.89 | -1.34 | -3.23 | -0.64 | — | — | — | — | — | — | — | — | -0.65 |
| — | +128.3% | +188.5% | +195.5% | +251.8% | +198.3% | +162.3% | -114.9% | — | — | — | — | — | — | — | — | — | — | — | — | +93.0% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 100.0% | 99.9% | 133.1% | 132.6% | 100.1% | 99.6% | 99.9% | 100.3% | 99.8% | 99.1% | 99.7% | 100.3% | 157.0% | 150.2% | 139.4% | 133.6% | 121.9% | 110.6% | 106.2% | 105.6% | 100.5% |
| — | +0.2% | +33.3% | +32.3% | +0.3% | +0.6% | +0.2% | -0.0% | -36.4% | -34.0% | -28.5% | -24.9% | +28.9% | +35.8% | +31.3% | +26.5% | +21.3% | +5.0% | +1.0% | +4.3% | +0.4% | |
| Operating Margin | 39.2% | 38.5% | 40.8% | 54.9% | 41.5% | 40.6% | 37.2% | 37.2% | 40.1% | 37.5% | 36.0% | 38.1% | 78.1% | — | — | — | — | — | — | — | 33.8% |
| — | -5.3% | +9.5% | +47.8% | +3.6% | +8.5% | +3.4% | -2.5% | -48.7% | — | — | — | — | — | — | — | — | — | — | — | +0.3% | |
| Net Margin | 38.2% | 37.7% | 39.4% | 53.7% | 40.2% | 39.7% | 36.4% | 36.4% | 39.1% | 36.6% | 35.3% | 37.5% | 58.0% | 51.5% | 58.0% | 56.3% | 51.3% | 45.0% | 39.0% | 37.0% | 33.1% |
| — | -5.2% | +8.3% | +47.7% | +2.7% | +8.5% | +3.0% | -3.0% | -32.6% | -28.9% | -39.1% | -33.3% | +13.2% | +14.4% | +48.9% | +52.2% | +54.6% | +34.2% | +16.3% | +8.2% | -1.3% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 21.4% | 5.4% | 4.1% | 5.5% | 5.7% | 5.6% | 5.0% | 5.2% | 5.7% | 5.1% | 5.1% | 5.3% | 5.6% | 5.2% | 6.5% | 6.9% | 7.8% | 7.4% | 6.0% | 4.9% | 4.3% |
| — | -4.2% | -18.1% | +6.2% | -0.7% | +9.9% | -1.2% | -3.2% | +2.8% | -1.8% | -21.5% | -22.6% | -28.7% | -29.4% | +8.2% | +41.6% | +82.5% | +79.9% | +43.5% | +12.4% | -0.0% | |
| ROA | 1.6% | 0.4% | 0.3% | 0.4% | 0.5% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.5% | 0.4% | 0.3% | 0.3% | 0.3% |
| — | -1.4% | -13.8% | +15.3% | +8.7% | +16.1% | +2.6% | -4.2% | +3.3% | +1.9% | -17.7% | -10.5% | -10.5% | -10.8% | +35.0% | +53.1% | +65.9% | +59.5% | +27.6% | +2.9% | -9.0% | |
| ROIC | 14.9% | 4.0% | 3.0% | 4.0% | 4.4% | 4.3% | 3.7% | 3.5% | 3.9% | 3.6% | 3.5% | 3.7% | 5.0% | — | — | — | — | — | — | — | 2.8% |
| — | -7.5% | -19.4% | +14.5% | +14.1% | +20.4% | +4.2% | -4.8% | -23.0% | — | — | — | — | — | — | — | — | — | — | — | +2.5% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.03 | 0.03 | 0.03 | 0.12 | — | — | — | 0.09 | 0.19 | 0.09 | 0.10 | 0.10 | 0.13 | 0.11 | 0.10 | 0.18 | 0.20 | 0.23 | 0.21 | 0.20 | 0.18 |
| — | — | — | +24.7% | — | — | — | -5.7% | +43.0% | -13.1% | -4.7% | -46.2% | -34.1% | -53.2% | -51.7% | -9.9% | +12.9% | +29.3% | +20.8% | +11.2% | +1.1% | |
| Debt / EBITDA | 0.14 | 0.37 | 0.69 | 1.71 | — | — | — | 1.46 | 2.76 | 1.45 | 1.27 | 2.04 | 1.62 | — | — | — | — | — | — | — | 2.99 |
| — | — | — | +16.6% | — | — | — | -28.1% | +70.9% | — | — | — | — | — | — | — | — | — | — | — | +4.2% | |
| Current Ratio | 516.92 | 217.23 | 1518.86 | 0.42 | 0.40 | 0.38 | 0.37 | 0.32 | 0.36 | 0.84 | 0.39 | 0.40 | 0.35 | 22.17 | 26.18 | 25.28 | 11.52 | 23.06 | 27.43 | 12.11 | 40.46 |
| — | +56694.1% | +406092.7% | +30.9% | +10.4% | -54.3% | -2.9% | -18.4% | +3.7% | -96.2% | -98.5% | -98.4% | -97.0% | -3.9% | -4.6% | +108.7% | -71.5% | -42.3% | -32.9% | -49.8% | +54.1% | |
| Quick Ratio | 516.92 | 217.23 | 1518.86 | 0.42 | 0.40 | 0.38 | 0.37 | 0.32 | 0.36 | 0.84 | 0.39 | 0.40 | 0.35 | 22.17 | 26.18 | 25.28 | 11.52 | 23.06 | 27.43 | 12.11 | 40.46 |
| — | +56694.1% | +406092.7% | +30.9% | +10.4% | -54.3% | -2.9% | -18.4% | +3.7% | -96.2% | -98.5% | -98.4% | -97.0% | -3.9% | -4.6% | +108.7% | -71.5% | -42.3% | -32.9% | -49.8% | +54.1% | |
| Interest Coverage | 1.23 | 2.50 | 1.18 | 1.62 | 1.49 | 1.34 | 1.06 | 1.08 | 1.08 | 0.87 | 0.86 | 0.98 | 1.37 | -0.19 | -0.23 | -0.22 | -0.33 | -0.73 | -1.29 | -1.71 | 6.63 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying NTB stock.
The Bank of N.T. Butterfield & Son Limited's current P/E is 9.5x. The average P/E over the last 4 quarters is 9.8x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
The Bank of N.T. Butterfield & Son Limited's current operating margin is 39.2%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking The Bank of N.T. Butterfield & Son Limited's business trajectory between earnings reports.