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The Bank of N.T. Butterfield & Son
The Bank of N.T. Butterfield & Son (NTB) investor relations material
The Bank of N.T. Butterfield & Son Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary10 Feb, 2026
Executive summary
Achieved full-year 2025 net income of $231.9 million ($5.47/share) and core net income of $237.5 million ($5.60/share), with core net income per share up 17.4% year-over-year.
Fourth quarter 2025 net income and core net income were $63.8 million ($1.54/share), with return on average common equity of 22.7%.
Maintained expense discipline, advanced technology, and increased non-interest income, with robust capital returns through dividends and share repurchases.
Continued M&A growth strategy and active discussions with potential targets, focusing on private trust and bank acquisitions.
Maintained leading market positions in Bermuda and Cayman, with expanding retail offerings in the Channel Islands.
Financial highlights
Net interest margin for 2025 was 2.69%; Q4 net interest income was $92.6 million, flat sequentially.
Non-interest income in Q4 2025 rose to $66.3 million, up $5.1 million from Q3, driven by higher banking, trust, FX, and asset management fees.
Tangible book value per share grew 21.7% year-over-year to $26.41 at year-end.
Quarterly dividend increased to $0.50/share; annual dividends totaled $1.88/share, with 3.5 million shares repurchased for $146.7 million in 2025.
Core non-interest expenses increased to $93.1 million in Q4 2025, mainly due to higher professional services, staff incentives, and marketing.
Outlook and guidance
Quarterly core expenses expected to settle between $90 million and $92 million, with Q1 typically lower due to seasonality.
Anticipate continued strong non-interest income, especially from trust and FX businesses.
Expect OCI improvement with additional burndown of 28% over the next 12 months.
Focus remains on capital management, with a combined payout ratio near 100% of net income for 2025.
Basel 4 rules effective January 1, 2025, reduced risk-weighted assets and improved regulatory capital ratios.
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Next The Bank of N.T. Butterfield & Son earnings date
Q1 202623 Apr, 2026
The Bank of N.T. Butterfield & Son
Next The Bank of N.T. Butterfield & Son earnings date
Q1 202623 Apr, 2026
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Frequently asked questions
The Bank of N.T. Butterfield & Son Limited, commonly known as Butterfield, is a full-service bank and wealth management company. It offers a range of personal and business banking services, including deposit accounts, loans, credit cards, and investment management. The company also provides specialized financial services such as trust and estate planning, asset management, and corporate banking. Butterfield operates primarily in Bermuda, the Cayman Islands, and the Channel Islands, serving clients across various sectors including retail, commercial, and institutional markets. The company is headquartered in Hamilton, Bermuda, and its shares are listed on the NYSE.
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