The Bank of N.T. Butterfield & Son Limited cash flow to debt ratio of 721.91% indicates that the company generates enough cash to cover a substantial portion of its debt. This level indicates very strong financial health.

The Bank of N.T. Butterfield & Son Limited's free cash flow has increased 4.47% from $243.90M last year to $254.81M, signaling increasing performance

The Bank of N.T. Butterfield & Son Limited's debt to equity ratio is 0.03, which means that the company's assets are healthy financed, signaling financial stability.

The Bank of N.T. Butterfield & Son Limited's debt has decreased relative to shareholder equity from 0.19 last year to 0.03 today, signaling strengthened financials

The Bank of N.T. Butterfield & Son Limited has a net cash position, so leverage is healthy.

The Bank of N.T. Butterfield & Son Limited earns at least as much interest as it pays. Interest obligations are fully covered.

The Bank of N.T. Butterfield & Son Limited's profit margin was 26.49% last year and is 32.58% this year, signaling increasing performance

The Bank of N.T. Butterfield & Son Limited's short-term assets of $2.71B exceed its short-term liabilities of $5.25M

The Bank of N.T. Butterfield & Son Limited's return on assets of 1.63% is lower than the 5.00% threshold, indicating inefficient asset utilization

The Bank of N.T. Butterfield & Son Limited's return on equity of 20.68%, is higher than 15.00%, indicating good performance

The Bank of N.T. Butterfield & Son Limited's operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

The Bank of N.T. Butterfield & Son Limited had positive net income in 5 out of 5 years, indicating stable and consistent earnings

The Bank of N.T. Butterfield & Son Limited has positive free cash flow, indicating the company generates cash after capital expenditures

The Bank of N.T. Butterfield & Son Limited has a free cash flow yield of 10.91%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

The Bank of N.T. Butterfield & Son Limited's yearly earnings has increased 7.20% since last year from $216.32M to $231.90M, signaling increasing performance

The Bank of N.T. Butterfield & Son Limited's yearly revenue has decreased 25.66% since last year from $816.50M to $607.00M, signaling decreasing performance

ROIC 1.63% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

The Bank of N.T. Butterfield & Son Limited's 3-year revenue CAGR of 9.67% is positive, indicating growing revenue over the past 3 years

The Bank of N.T. Butterfield & Son Limited had revenue growth in 4 out of 5 years, indicating consistent revenue performance

The Bank of N.T. Butterfield & Son Limited had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

The Bank of N.T. Butterfield & Son Limited has insufficient data to evaluate this check.

The Bank of N.T. Butterfield & Son Limited has an earnings yield of 10.09%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

The Bank of N.T. Butterfield & Son Limited is overvalued relative to its fair value price of 0.00 based on Base EBITDA Valuation model

The Bank of N.T. Butterfield & Son Limited has insufficient data to compute enterprise value.

The Bank of N.T. Butterfield & Son Limited is undervalued relative to its fair value price of 134.88 based on Base Earnings Fair Value model

The Bank of N.T. Butterfield & Son Limited has a PEG-ratio under 1 which is considered undervalued

The Bank of N.T. Butterfield & Son Limited has a price-to-book ratio of 2.02x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

The Bank of N.T. Butterfield & Son Limited has a price-to-sales ratio of 3.23x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue