The Bank of N.T. Butterfield & Son Limited (NTB) Earnings History
Growth Compounder14 years of earnings data (2012–2025) · Consistent double-digit EPS growth over 5 years
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The Bank of N.T. Butterfield & Son Limited (NTB) Earnings Overview
As of July 8, 2026, The Bank of N.T. Butterfield & Son Limited (NTB) reported trailing twelve-month net income of $241M, reflecting +16.1% year-over-year growth. The company earned $5.89 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 ($308M net income, 21.1% margin), FIBK ($312M net income, 28.5% margin), BOKF ($614M net income, 17.4% 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% |
| 2015 | $78M | -28.1% | $102M | $1.29 | 20.8% | 27.4% |
| 2014 | $108M | +85.2% | $135M | $1.93 | 27.7% | 34.5% |
| 2013 | $58M | +5906.6% | $82M | $1.06 | 17.1% | 24.1% |
| 2012 | -$1M | - | $62M | $-0.02 | -0.3% | 18.7% |
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NTB — Frequently Asked Questions
Quick answers to the most common questions about buying NTB stock.
What is NTB earnings per share (EPS)?
NTB trailing twelve-month (TTM) diluted EPS is $5.89, reflecting +16.1% year-over-year growth. The 5-year EPS CAGR is +13.5%. Complete EPS history from 2012 to 2025 is available in the table on this page.
What is The Bank of N.T. Butterfield & Son Limited's net income?
The Bank of N.T. Butterfield & Son Limited (NTB) trailing twelve-month net income is $241M as of 2025. Earnings grew +16.1% year-over-year. The Bank of N.T. Butterfield & Son Limited has been profitable for 13 consecutive years.
Is NTB profitable?
Yes, NTB is profitable with a TTM net income of $241M and a net profit margin of +29.0%. The Bank of N.T. Butterfield & Son Limited has generated profits for 13 consecutive years.
What is NTB's earnings growth rate?
NTB compound annual EPS growth rates (CAGR): 1-Year: +16.1%, 3-Year: +8.4%, 5-Year: +13.5%, 10-Year: +15.5%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2012 to 2025.
What are NTB's profit margins?
The Bank of N.T. Butterfield & Son Limited net profit margin is +29.0%, operating margin is +29.8%, and gross margin is +75.9%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +21.4%.
Is NTB growing earnings?
Yes, NTB earnings are accelerating — EPS growth of +16.1% exceeds the 5-year CAGR of +13.5%. TTM net income reached $241M. Earnings momentum is strengthening.
What was NTB's best earnings year?
The Bank of N.T. Butterfield & Son Limited's highest annual net income on record is $232M, achieved in fiscal year 2025. Earnings history on this page spans 2012 to 2025 and includes all annual and quarterly figures.
What were NTB's earnings last quarter?
NTB's most recent reported quarter was Q1 2026. Net income was $63M with diluted EPS of $1.53. For a full breakdown of all quarters, see the quarterly earnings table on this page.