Profitability
Weight: 25%
C-
46
Scored using efficiency ratio — bank-archetype substitution.
- Efficiency Ratio (FY2025) 60.8%
- Efficiency Ratio Trend +0.99 pp/yr
NTB
The Bank of N.T. Butterfield & Son Limited
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
A+
95
- 5yr Avg ROE 21.1%
- 5yr Share-Count CAGR -3.6%
Growth Quality
Weight: 15%
C+
59
Scored using revenue growth cross-checked against efficiency-ratio trend — bank-archetype substitution.
- 5yr Revenue CAGR 9.8%
- Efficiency Ratio Trend (growth quality check) +0.99 pp/yr
- Revenue-Growth Years (5) 4/5
Cash Generation
Weight: 15%
F
0
Scored using efficiency-ratio stability — bank-archetype substitution.
- Efficiency Ratio Stability (σ) 0.20
Balance Sheet
Weight: 20%
B-
66
Scored using equity-to-assets — bank-archetype substitution.
- Equity / Assets 8.1%
Stability
Weight: 10%
B-
66
- EPS Volatility (σ/μ) 0.40
- Negative-Revenue Years (5) 1/5
- Piotroski F-Score 8
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.2 of 2 gurus held; 2 trimmed.
- Holders
- 2
- Avg Δ position
- -31.1%
- New buys
- 0
- Full exits
- 0