Dividend compounder review

NTB

Bank of N.T. Butterfield & Son Ltd · NYSE · US

Financial Services · Banks - Diversified

Score83.00/100
Confidence100.00/100
DecisionReject
RatingHigh Quality Watchlist Candidate
Scoring

Quality breakdown

Dividend Reliability 13.0 / 25 Payment history, cuts, growth, and regularity.
Dividend Sustainability 20.0 / 20 Payout, free cash flow, dividend cover, and debt.
Business Quality 23.5 / 25 Scale, cash generation, growth, margins, and returns.
Valuation Discipline 13.0 / 15 Yield, P/E, and price stretch versus long-term trend.
Long-Term Trend 13.5 / 15 Trend line, long return history, and drawdown control.
Metrics

Dividend and business context

Dividend Years10
Dividend Yield3.44%
Payout Ratio33.6%
Dividend Cut 5YYes
Net Income$231.9M
Free Cash Flow$254.8M
FCF Covers DividendYes
Debt / Equity0.09
P/E10.2
Revenue Growth 5Y9.8%
Net Margin39.3%
ROE22.0%
Price vs Trend13.2%
3Y Return153.1%
5Y Return104.7%
CurrencyUSD
Warnings

Review flags

Dividend cut or material annual decrease detected in the last five completed years.
Dividend diary

Activity record

NTB dividend review warning Warning · Warning

Dividend cut or material annual decrease detected in the last five completed years.

NTB dividend payment 0.5 USD Dividend Payment · Info

Recorded dividend payment for Bank of N.T. Butterfield & Son Ltd.

NTB dividend payment 0.5 USD Dividend Payment · Info

Recorded dividend payment for Bank of N.T. Butterfield & Son Ltd.

Dividend increased 13.6% Dividend Increase · Positive

Payment changed from 0.44 to 0.5.

NTB dividend payment 0.5 USD Dividend Payment · Info

Recorded dividend payment for Bank of N.T. Butterfield & Son Ltd.

NTB dividend payment 0.44 USD Dividend Payment · Info

Recorded dividend payment for Bank of N.T. Butterfield & Son Ltd.

NTB dividend payment 0.44 USD Dividend Payment · Info

Recorded dividend payment for Bank of N.T. Butterfield & Son Ltd.

NTB dividend payment 0.44 USD Dividend Payment · Info

Recorded dividend payment for Bank of N.T. Butterfield & Son Ltd.

NTB dividend payment 0.44 USD Dividend Payment · Info

Recorded dividend payment for Bank of N.T. Butterfield & Son Ltd.

NTB dividend payment 0.44 USD Dividend Payment · Info

Recorded dividend payment for Bank of N.T. Butterfield & Son Ltd.

NTB dividend payment 0.44 USD Dividend Payment · Info

Recorded dividend payment for Bank of N.T. Butterfield & Son Ltd.

NTB dividend payment 0.44 USD Dividend Payment · Info

Recorded dividend payment for Bank of N.T. Butterfield & Son Ltd.

NTB dividend payment 0.44 USD Dividend Payment · Info

Recorded dividend payment for Bank of N.T. Butterfield & Son Ltd.

NTB dividend payment 0.44 USD Dividend Payment · Info

Recorded dividend payment for Bank of N.T. Butterfield & Son Ltd.

Dividend increased 15.8% Dividend Increase · Positive

Payment changed from 0.38 to 0.44.

Dividend increased 18.8% Dividend Increase · Positive

Payment changed from 0.32 to 0.38.

Dividend increased 220.0% Dividend Increase · Positive

Payment changed from 0.1 to 0.32.