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Bank of N.T. Butterfield & Son (NTB)
:NTB
Earnings Data
Report Date
Feb 16, 2026After Close (Confirmed)
Period Ending
2025 (Q4)Consensus EPS Forecast
1.47Last Year’s EPS
1.34Same Quarter Last Year
Moderate Buy
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The earnings call presented a largely positive outlook with strong financial performance, increased net interest margin, and growth in noninterest income. While there were some challenges such as a decrease in average loan balances and unrealized losses in the investment portfolio, the positive aspects, including tourism growth in Bermuda and improved asset quality, outweighed the negatives.Company Guidance
Strong Financial Performance
Butterfield reported net income of $61.1 million and core net income of $63.3 million. They reported core earnings per share of $1.51 with a core return on average tangible common equity of 25.5%.
Increased Net Interest Margin
Net interest margin increased by 9 basis points to 2.73% compared to the prior quarter.
Tourism Growth in Bermuda
Tourism in Bermuda had a good 2025 season with average daily rates up 10% August year-to-date and visitor expenditure up 2%.
Noninterest Income Growth
Noninterest income increased by $4.2 million over the last quarter due to higher banking fees and increased foreign exchange revenues.
Improved Asset Quality
Net charge-offs were negligible, nonaccrual loans held at 2%, and allowance for credit losses stayed at 0.6%.
Stable Economic Outlook in Key Markets
Bermuda's economy is showing growth with a forecasted budget surplus, and the Cayman Islands expect a 2.5% GDP increase in 2025.
NTB Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
NTB Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Oct 28, 2025 | $41.56 | $43.86 | +5.53% |
Jul 28, 2025 | $43.49 | $44.73 | +2.85% |
Apr 23, 2025 | $37.06 | $37.83 | +2.08% |
Feb 10, 2025 | $35.81 | $38.95 | +8.77% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Bank of N.T. Butterfield & Son (NTB) report earnings?
Bank of N.T. Butterfield & Son (NTB) is schdueled to report earning on Feb 16, 2026, After Close (Confirmed).
What is Bank of N.T. Butterfield & Son (NTB) earnings time?
Bank of N.T. Butterfield & Son (NTB) earnings time is at Feb 16, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is NTB EPS forecast?
NTB EPS forecast for the fiscal quarter 2025 (Q4) is 1.47.