{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "9a04871b-01f8-4e17-a7a5-6451dc9b4d18",
    "symbol": "NTB",
    "name": "Bank of N.T. Butterfield & Son Ltd",
    "exchange": "NYSE",
    "country_code": "US",
    "country_name": "United States",
    "sector": "Financial Services",
    "industry": "Banks - Diversified",
    "chart_url": "https://sharemaestro.com/terminal/9a04871b-01f8-4e17-a7a5-6451dc9b4d18/"
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  "snapshot": {
    "ticker": {
      "uuid": "9a04871b-01f8-4e17-a7a5-6451dc9b4d18",
      "symbol": "NTB",
      "name": "Bank of N.T. Butterfield & Son Ltd",
      "exchange": "NYSE",
      "country_code": "US",
      "country_name": "United States",
      "sector": "Financial Services",
      "industry": "Banks - Diversified",
      "chart_url": "https://sharemaestro.com/terminal/9a04871b-01f8-4e17-a7a5-6451dc9b4d18/"
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    "as_of_date": "2026-06-12",
    "provider_symbol": "NTB",
    "market_cap": 2329498368.0,
    "market_cap_usd": 2293848745.71,
    "price": 58.810001,
    "currency": "USD",
    "dividend_yield": 0.0344,
    "dividend_years": 10,
    "dividend_growth_5y": -0.0474818,
    "dividend_cut_5y": true,
    "payout_ratio": 0.3362,
    "net_income": 231942000.0,
    "free_cash_flow": 254809000.0,
    "fcf_covers_dividend": true,
    "debt_to_equity": 0.08646049,
    "revenue_growth_5y": 0.09760955,
    "net_margin": 0.39275002,
    "roe": 0.21952,
    "pe_ratio": 10.192374,
    "price_vs_ma": 0.13187968,
    "return_3y": 1.53112067,
    "return_5y": 1.04691428,
    "max_drawdown": -0.36994057,
    "scores": {
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      "dividend_sustainability": 20.0,
      "business_quality": 23.5,
      "valuation": 13.0,
      "trend": 13.5,
      "total": 83.0,
      "confidence": 100.0
    },
    "rating": "high_quality",
    "rating_label": "High Quality Watchlist Candidate",
    "decision": "reject",
    "decision_label": "Reject",
    "warnings": [
      "Dividend cut or material annual decrease detected in the last five completed years."
    ],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/9a04871b-01f8-4e17-a7a5-6451dc9b4d18/",
      "chart": "https://sharemaestro.com/terminal/9a04871b-01f8-4e17-a7a5-6451dc9b4d18/"
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  "score_breakdown": {
    "dividend_reliability": 13.0,
    "dividend_sustainability": 20.0,
    "business_quality": 23.5,
    "valuation": 13.0,
    "trend": 13.5,
    "total": 83.0,
    "confidence": 100.0
  },
  "warnings": [
    "Dividend cut or material annual decrease detected in the last five completed years."
  ],
  "diary": [
    {
      "event_date": "2026-06-12",
      "event_type": "warning",
      "severity": "warning",
      "ticker": "NTB",
      "exchange": "NYSE",
      "headline": "NTB dividend review warning",
      "detail": "Dividend cut or material annual decrease detected in the last five completed years.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9a04871b-01f8-4e17-a7a5-6451dc9b4d18/"
    },
    {
      "event_date": "2026-05-13",
      "event_type": "payment",
      "severity": "info",
      "ticker": "NTB",
      "exchange": "NYSE",
      "headline": "NTB dividend payment 0.5 USD",
      "detail": "Recorded dividend payment for Bank of N.T. Butterfield & Son Ltd.",
      "amount": 0.5,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9a04871b-01f8-4e17-a7a5-6451dc9b4d18/"
    },
    {
      "event_date": "2026-02-23",
      "event_type": "payment",
      "severity": "info",
      "ticker": "NTB",
      "exchange": "NYSE",
      "headline": "NTB dividend payment 0.5 USD",
      "detail": "Recorded dividend payment for Bank of N.T. Butterfield & Son Ltd.",
      "amount": 0.5,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9a04871b-01f8-4e17-a7a5-6451dc9b4d18/"
    },
    {
      "event_date": "2025-08-11",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "NTB",
      "exchange": "NYSE",
      "headline": "Dividend increased 13.6%",
      "detail": "Payment changed from 0.44 to 0.5.",
      "amount": 0.5,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9a04871b-01f8-4e17-a7a5-6451dc9b4d18/"
    },
    {
      "event_date": "2025-08-11",
      "event_type": "payment",
      "severity": "info",
      "ticker": "NTB",
      "exchange": "NYSE",
      "headline": "NTB dividend payment 0.5 USD",
      "detail": "Recorded dividend payment for Bank of N.T. Butterfield & Son Ltd.",
      "amount": 0.5,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9a04871b-01f8-4e17-a7a5-6451dc9b4d18/"
    },
    {
      "event_date": "2025-05-07",
      "event_type": "payment",
      "severity": "info",
      "ticker": "NTB",
      "exchange": "NYSE",
      "headline": "NTB dividend payment 0.44 USD",
      "detail": "Recorded dividend payment for Bank of N.T. Butterfield & Son Ltd.",
      "amount": 0.44,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9a04871b-01f8-4e17-a7a5-6451dc9b4d18/"
    },
    {
      "event_date": "2025-02-24",
      "event_type": "payment",
      "severity": "info",
      "ticker": "NTB",
      "exchange": "NYSE",
      "headline": "NTB dividend payment 0.44 USD",
      "detail": "Recorded dividend payment for Bank of N.T. Butterfield & Son Ltd.",
      "amount": 0.44,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9a04871b-01f8-4e17-a7a5-6451dc9b4d18/"
    },
    {
      "event_date": "2024-11-05",
      "event_type": "payment",
      "severity": "info",
      "ticker": "NTB",
      "exchange": "NYSE",
      "headline": "NTB dividend payment 0.44 USD",
      "detail": "Recorded dividend payment for Bank of N.T. Butterfield & Son Ltd.",
      "amount": 0.44,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9a04871b-01f8-4e17-a7a5-6451dc9b4d18/"
    },
    {
      "event_date": "2024-08-05",
      "event_type": "payment",
      "severity": "info",
      "ticker": "NTB",
      "exchange": "NYSE",
      "headline": "NTB dividend payment 0.44 USD",
      "detail": "Recorded dividend payment for Bank of N.T. Butterfield & Son Ltd.",
      "amount": 0.44,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9a04871b-01f8-4e17-a7a5-6451dc9b4d18/"
    },
    {
      "event_date": "2024-05-06",
      "event_type": "payment",
      "severity": "info",
      "ticker": "NTB",
      "exchange": "NYSE",
      "headline": "NTB dividend payment 0.44 USD",
      "detail": "Recorded dividend payment for Bank of N.T. Butterfield & Son Ltd.",
      "amount": 0.44,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9a04871b-01f8-4e17-a7a5-6451dc9b4d18/"
    },
    {
      "event_date": "2024-02-23",
      "event_type": "payment",
      "severity": "info",
      "ticker": "NTB",
      "exchange": "NYSE",
      "headline": "NTB dividend payment 0.44 USD",
      "detail": "Recorded dividend payment for Bank of N.T. Butterfield & Son Ltd.",
      "amount": 0.44,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9a04871b-01f8-4e17-a7a5-6451dc9b4d18/"
    },
    {
      "event_date": "2023-11-07",
      "event_type": "payment",
      "severity": "info",
      "ticker": "NTB",
      "exchange": "NYSE",
      "headline": "NTB dividend payment 0.44 USD",
      "detail": "Recorded dividend payment for Bank of N.T. Butterfield & Son Ltd.",
      "amount": 0.44,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9a04871b-01f8-4e17-a7a5-6451dc9b4d18/"
    },
    {
      "event_date": "2023-08-11",
      "event_type": "payment",
      "severity": "info",
      "ticker": "NTB",
      "exchange": "NYSE",
      "headline": "NTB dividend payment 0.44 USD",
      "detail": "Recorded dividend payment for Bank of N.T. Butterfield & Son Ltd.",
      "amount": 0.44,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9a04871b-01f8-4e17-a7a5-6451dc9b4d18/"
    },
    {
      "event_date": "2023-05-05",
      "event_type": "payment",
      "severity": "info",
      "ticker": "NTB",
      "exchange": "NYSE",
      "headline": "NTB dividend payment 0.44 USD",
      "detail": "Recorded dividend payment for Bank of N.T. Butterfield & Son Ltd.",
      "amount": 0.44,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9a04871b-01f8-4e17-a7a5-6451dc9b4d18/"
    },
    {
      "event_date": "2019-08-02",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "NTB",
      "exchange": "NYSE",
      "headline": "Dividend increased 15.8%",
      "detail": "Payment changed from 0.38 to 0.44.",
      "amount": 0.44,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9a04871b-01f8-4e17-a7a5-6451dc9b4d18/"
    },
    {
      "event_date": "2018-02-23",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "NTB",
      "exchange": "NYSE",
      "headline": "Dividend increased 18.8%",
      "detail": "Payment changed from 0.32 to 0.38.",
      "amount": 0.38,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9a04871b-01f8-4e17-a7a5-6451dc9b4d18/"
    },
    {
      "event_date": "2017-03-09",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "NTB",
      "exchange": "NYSE",
      "headline": "Dividend increased 220.0%",
      "detail": "Payment changed from 0.1 to 0.32.",
      "amount": 0.32,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9a04871b-01f8-4e17-a7a5-6451dc9b4d18/"
    }
  ]
}