Bank of N.T. Butterfield & Son — Earnings Quality Grade A
NTB · Financial Services
Strong financial health
Screening Summary
管理层信号
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
Insufficient data
Insufficient data
Revenue 4.3%, CFFO 5.3%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 15.0% vs revenue 4.3%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.21. Profits backed by cash
FCF $0.3B, FCF/NI = 1.10
Accruals ratio = -0.3%. Low accruals
Insufficient data
Balance Sheet Health
Goodwill+Intangibles $0.1B = 8% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -3% YoY. Normal
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
Bank of N.T. Butterfield & Son is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25