NTB
The Bank of N.T. Butterfield & Son Limited [NTB] Stock Forecast
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Bank of N.T. Butterfield & Son Closed 2022 Strong And Remains Undervalued
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The Bank of N.T. Butterfield & Son Limited (NTB) Q4 2022 Earnings Call Transcript
The Bank of N.T. Butterfield & Son Limited (NYSE:NTB ) Q4 2022 Results Conference Call February 14, 2023 10:00 AM ET Company Participants Noah Fields - Head, IR Michael Collins - Chairman and CEO Craig Bridgewater - Group CFO Michael Schrum - President and Group Chief Risk Officer Conference Call Participants Alex Twerdahl - Piper Sandler Timur Braziler - Wells Fargo Securities David Feaster - Raymond James Tim Switzer - KBW Operator Good morning.
Bank of NT Butterfield & Son (NTB) Tops Q4 Earnings and Revenue Estimates
Bank of NT Butterfield & Son (NTB) delivered earnings and revenue surprises of 15.45% and 6.56%, respectively, for the quarter ended December 2022. Do the numbers hold clues to what lies ahead for the stock?
NTB Financial details
NTB Financial Performance
Yearly Fundamentals Overview
Last date of statement is 2022-12-31
| Metric | History | 2018-12-31 | 2019-12-31 | 2020-12-31 | 2021-12-31 | 2022-12-31 |
|---|---|---|---|---|---|---|
| Revenue per share | 9.29 | 10 | 9.94 | 9.84 | 10.91 | |
| Net income per share | 3.55 | 3.33 | 2.91 | 3.22 | 4.23 | |
| Operating cash flow per share | 5.39 | 4.69 | 3.72 | 4.97 | 4.33 | |
| Free cash flow per share | 5.03 | 4.27 | 3.31 | 4.66 | 3.8 | |
| Cash per share | 78 | 112.61 | 133.91 | 135.47 | 59.01 | |
| Book value per share | 16.05 | 18.12 | 19.41 | 19.32 | 17.1 | |
| Tangible book value per share | 14.69 | 16.31 | 17.58 | 17.62 | 17.1 | |
| Share holders equity per share | 16.05 | 18.12 | 19.41 | 19.32 | 17.1 | |
| Interest debt per share | 3.05 | 3.81 | 4.07 | 3.89 | 3.4 | |
| Market cap | 1.72B | 1.97B | 1.58B | 1.93B | 1.51B | |
| Enterprise value | -186.75M | -437.73M | -1.54B | -80.19M | -421.09M | |
| P/E ratio | 8.83 | 11.12 | 10.71 | 11.85 | 7.05 | |
| Price to sales ratio | 3.37 | 3.7 | 3.14 | 3.87 | 2.73 | |
| POCF ratio | 5.82 | 7.89 | 8.38 | 7.67 | 6.88 | |
| PFCF ratio | 6.23 | 8.68 | 9.41 | 8.18 | 7.84 | |
| P/B Ratio | 1.95 | 2.04 | 1.61 | 1.97 | 1.74 | |
| PTB ratio | 1.95 | 2.04 | 1.61 | 1.97 | 1.74 | |
| EV to sales | -0.37 | -0.82 | -3.07 | -0.16 | -0.76 | |
| Enterprise value over EBITDA | -0.7 | -1.54 | -6.26 | -0.31 | -1.93 | |
| EV to operating cash flow | -0.63 | -1.75 | -8.2 | -0.32 | -1.92 | |
| EV to free cash flow | -0.68 | -1.93 | -9.2 | -0.34 | -2.19 | |
| Earnings yield | 0.11 | 0.09 | 0.09 | 0.08 | 0.14 | |
| Free cash flow yield | 0.16 | 0.12 | 0.11 | 0.12 | 0.13 | |
| Debt to equity | 11.21 | 13.45 | 14.01 | 14.69 | 15.54 | |
| Debt to assets | 0.92 | 0.93 | 0.93 | 0.94 | 0.94 | |
| Net debt to EBITDA | -7.14 | -8.49 | -12.65 | -7.71 | -8.86 | |
| Current ratio | 0 | 0 | 0 | 0 | 0 | |
| Interest coverage | 0 | 0 | 0 | 0 | 0 | |
| Income quality | 1.52 | 1.41 | 1.28 | 1.55 | 1.02 | |
| Dividend Yield | 0.05 | 0.05 | 0.06 | 0.05 | 0.06 | |
| Payout ratio | 0.43 | 0.53 | 0.6 | 0.54 | 0.41 | |
| Sales general and administrative to revenue | 0.43 | 0.46 | 0.48 | 0.47 | 0 | |
| Research and developement to revenue | 0 | 0 | 0 | 0 | 0 | |
| Intangibles to total assets | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | |
| Capex to operating cash flow | -0.07 | -0.09 | -0.11 | -0.06 | -0.12 | |
| Capex to revenue | -0.04 | -0.04 | -0.04 | -0.03 | -0.05 | |
| Capex to depreciation | -0.43 | -0.47 | -0.33 | -0.23 | -0.67 | |
| Stock based compensation to revenue | 0.02 | 0.03 | 0.03 | 0.03 | 0.03 | |
| Graham number | 35.8 | 36.84 | 35.65 | 37.39 | 40.35 | |
| ROIC | 0 | 0 | 0 | 0 | 0 | |
| Return on tangible assets | 0.02 | 0.01 | 0.01 | 0.01 | 0.02 | |
| Graham Net | -101.59 | -130.71 | -135.9 | -146.23 | -203.49 | |
| Working capital | 6.22B | 8B | 8.8B | 7.66B | 0 | |
| Tangible asset value | 807.6M | 867.24M | 889.13M | 891.39M | 791M | |
| Net current asset value | -3.67B | -4.96B | -4.96B | -6.7B | -13.44B | |
| Invested capital | 0.16 | 0.15 | 0.17 | 0.18 | 0.2 | |
| Average receivables | 22.89M | 22.22M | 84.18M | 144.54M | 180.64M | |
| Average payables | 3.72M | 6.72M | 106.11M | 196.62M | 233.69M | |
| Average inventory | 0 | 0 | 0 | 0 | 0 | |
| Days sales outstanding | 14.91 | 16.17 | 105.14 | 105.83 | 143.57 | |
| Days payables outstanding | 0 | 0 | 0 | 0 | 0 | |
| Days of inventory on hand | 0 | 0 | 0 | 0 | 0 | |
| Receivables turnover | 24.49 | 22.58 | 3.47 | 3.45 | 2.54 | |
| Payables turnover | 0 | 0 | 0 | 0 | 0 | |
| Inventory turnover | 0 | 0 | 0 | 0 | 0 | |
| ROE | 0.22 | 0.18 | 0.15 | 0.17 | 0.25 | |
| Capex per share | -0.36 | -0.43 | -0.41 | -0.31 | -0.53 |
Quarterly Fundamentals Overview
Last date of statement is 2022-12-31 for Q4
| Metric | History | 2021-12-31 | 2022-03-31 | 2022-06-30 | 2022-09-30 | 2022-12-31 |
|---|---|---|---|---|---|---|
| Revenue per share | 2.56 | 2.57 | 2.7 | 2.84 | 3.02 | |
| Net income per share | 0.84 | 0.9 | 0.99 | 1.16 | 1.27 | |
| Operating cash flow per share | 1.44 | 0 | 0 | 0.91 | 1.44 | |
| Free cash flow per share | 1.3 | 0 | 0 | 0.75 | 1.32 | |
| Cash per share | 138.04 | 75.08 | 94.5 | 83.07 | 60.08 | |
| Book value per share | 19.69 | 17.07 | 16.18 | 15.21 | 17.41 | |
| Tangible book value per share | 17.96 | 17.07 | 14.62 | 13.76 | 17.41 | |
| Share holders equity per share | 19.69 | 17.07 | 16.18 | 15.21 | 17.41 | |
| Interest debt per share | 3.59 | 3.62 | 3.63 | 3.74 | 4 | |
| Market cap | 1.89B | 1.77B | 1.55B | 1.61B | 1.48B | |
| Enterprise value | -116.07M | -160.92M | 379.73M | 298.45M | -447.89M | |
| P/E ratio | 11.35 | 9.97 | 7.87 | 7.01 | 5.87 | |
| Price to sales ratio | 14.89 | 13.98 | 11.56 | 11.41 | 9.87 | |
| POCF ratio | 26.4 | 0 | 0 | 35.79 | 20.67 | |
| PFCF ratio | 29.35 | 0 | 0 | 43.01 | 22.59 | |
| P/B Ratio | 1.94 | 2.1 | 1.93 | 2.13 | 1.71 | |
| PTB ratio | 1.94 | 2.1 | 1.93 | 2.13 | 1.71 | |
| EV to sales | -0.91 | -1.27 | 2.84 | 2.11 | -2.98 | |
| Enterprise value over EBITDA | -1.82 | -3.09 | 6.4 | 3.65 | -4.94 | |
| EV to operating cash flow | -1.62 | 0 | 0 | 6.63 | -6.25 | |
| EV to free cash flow | -1.8 | 0 | 0 | 7.97 | -6.83 | |
| Earnings yield | 0.02 | 0.03 | 0.03 | 0.04 | 0.04 | |
| Free cash flow yield | 0.03 | 0 | 0 | 0.02 | 0.04 | |
| Debt to equity | 14.69 | 17.13 | 16.88 | 17.15 | 15.54 | |
| Debt to assets | 0.94 | 0.94 | 0.94 | 0.94 | 0.94 | |
| Net debt to EBITDA | -31.44 | -37.06 | -19.67 | -16.06 | -21.27 | |
| Current ratio | 0 | 0 | 0 | 0 | 0 | |
| Interest coverage | 0 | 0 | 0 | 0 | 0 | |
| Income quality | 1.72 | 0 | 0 | 0.78 | 1.14 | |
| Dividend Yield | 0.01 | 0 | 0 | 0.01 | 0.01 | |
| Payout ratio | 0.52 | 0 | 0 | 0.38 | 0.35 | |
| Sales general and administrative to revenue | 0.5 | 0 | 0.41 | 0.39 | 0 | |
| Research and developement to revenue | 0 | 0 | 0 | 0 | 0 | |
| Intangibles to total assets | 0.01 | 0 | 0.01 | 0.01 | 0.01 | |
| Capex to operating cash flow | -0.1 | 0 | 0 | -0.17 | -0.09 | |
| Capex to revenue | -0.06 | 0 | 0 | -0.05 | -0.04 | |
| Capex to depreciation | -0.48 | 0 | 0 | -0.77 | -0.68 | |
| Stock based compensation to revenue | 0.03 | 0 | 0 | 0.03 | 0.03 | |
| Graham number | 19.28 | 18.59 | 18.99 | 19.9 | 22.3 | |
| ROIC | 0 | 0 | 0 | 0 | 0 | |
| Return on tangible assets | 0 | 0 | 0 | 0 | 0 | |
| Graham Net | -149 | -214.86 | -176.29 | -174.82 | -207.17 | |
| Working capital | 7.66B | 0 | 0 | 0 | 0 | |
| Tangible asset value | 891.39M | 842M | 724.97M | 683M | 791M | |
| Net current asset value | -6.7B | -14.42B | -13.55B | -12.94B | -13.44B | |
| Invested capital | 0.18 | 0.2 | 0.21 | 0.23 | 0.2 | |
| Average receivables | 147.59M | 152.14M | 156.76M | 173.13M | 204.87M | |
| Average payables | 192.65M | 254.19M | 247.76M | 181.83M | 232.57M | |
| Average inventory | 0 | 0 | 0 | 0 | 0 | |
| Days sales outstanding | 102.19 | 113.74 | 103.22 | 122.9 | 130.11 | |
| Days payables outstanding | 0 | 0 | 0 | 0 | 0 | |
| Days of inventory on hand | 0 | 0 | 0 | 0 | 0 | |
| Receivables turnover | 0.88 | 0.79 | 0.87 | 0.73 | 0.69 | |
| Payables turnover | 0 | 0 | 0 | 0 | 0 | |
| Inventory turnover | 0 | 0 | 0 | 0 | 0 | |
| ROE | 0.04 | 0.05 | 0.06 | 0.08 | 0.07 | |
| Capex per share | -0.15 | 0 | 0 | -0.15 | -0.12 |
NTB Frequently Asked Questions
What is The Bank of N.T. Butterfield & Son Limited stock symbol ?
The Bank of N.T. Butterfield & Son Limited is a BM stock and trading under the symbol NTB
Is The Bank of N.T. Butterfield & Son Limited buy or a sell ?
5 stock analysts have 5 predictions with a medium analyst target price of $38.4. The lowest prediction is $35 and the highest is $47
What is NTB stock prediction ?
With a median analyst target price of $36, 1 stock analysts have made 1 forecasts in last 90 days. $36 is the lowest and $36 is the greatest projection.
What is The Bank of N.T. Butterfield & Son Limited stock quote today ?
The Bank of N.T. Butterfield & Son Limited stock price is $29.29 today.
Is The Bank of N.T. Butterfield & Son Limited stock public?
Yes, The Bank of N.T. Butterfield & Son Limited is a publicly traded company.
Company Profile
- Volume Average 223.99K
- Market Capitalization 1.43B
- Employee 1.22K
- CEO Mr. Michael W. Collins
- Headquarters Hamilton,BM
- IPO Date 2016-09-16
-
Website
https://www.butterfieldgroup.com 
The Bank of N.T. Butterfield & Son Limited provides a range of community, commercial, and private banking services to individuals and small to medium-sized businesses. It accepts retail and corporate checking, savings, term, and interest bearing and non-interest bearing deposits, as well as certificate of deposits. The company's lending portfolio includes residential mortgage lending, automobile lending, consumer financing, credit cards, overdraft facilities, commercial real estate lending, and commercial and industrial loans. It also offers investment products and services; and cash and liquidity management, foreign exchange, custody administration, and settlement services. In addition, the company provides personal and property/auto insurance products; letters of credit; and cash management, payroll, remote banking, money market, advisory, brokerage, trust, estate, company management, and fiduciary services. Further, it offers debit cards; automated teller machines; and personal and business deposit, merchant acquiring, and mobile and internet banking services. The company operates through offices in the Cayman Islands, Guernsey, Jersey, the United Kingdom, The Bahamas, Switzerland, Singapore, Mauritius, and Canada. It also operates through 3 branches in Bermuda and 4 branches in the Cayman Islands. The Bank of N.T. Butterfield & Son Limited was founded in 1858 and is headquartered in Hamilton, Bermuda.
