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The Bank of N.T. Butterfield & Son Limited · NYSE
Price: $57.91 · Annual div: $2.00/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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Year your monthly dividend income covers each expense (based on current settings)
$10,000 in NTB → $7.59M in 10 years · $53.73/month
The Bank of N.T. Butterfield & Son Limited provides a range of community, commercial, and private banking services to individuals and small to medium-sized businesses. It accepts retail and corporate checking, savings, term, and interest bearing and non-interest bearing deposits, as well as certificate of deposits. The company's lending portfolio includes residential mortgage lending, automobile lending, consumer financing, credit cards, overdraft facilities, commercial real estate lending, and commercial and industrial loans. It also offers investment products and services; and cash and liquidity management, foreign exchange, custody administration, and settlement services. In addition, the company provides personal and property/auto insurance products; letters of credit; and cash management, payroll, remote banking, money market, advisory, brokerage, trust, estate, company management, and fiduciary services. Further, it offers debit cards; automated teller machines; and personal and business deposit, merchant acquiring, and mobile and internet banking services. The company operates through offices in the Cayman Islands, Guernsey, Jersey, the United Kingdom, The Bahamas, Switzerland, Singapore, Mauritius, and Canada. It also operates through 3 branches in Bermuda and 4 branches in the Cayman Islands. The Bank of N.T. Butterfield & Son Limited was founded in 1858 and is headquartered in Hamilton, Bermuda.
This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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Real after-tax yield depends on where you live and how you hold NTB.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 3.45% | 0.65% | $345 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 2.93% | 0.13% | $293 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 2.76% | -0.04% | $276 / yr |
| 🇬🇧 UK ISA | 0% | 3.45% | 0.65% | $345 / yr |
| 🇬🇧 UK Taxable | 8.75% | 3.15% | 0.35% | $315 / yr |
| 🇨🇦 TFSA | 0% | 3.45% | 0.65% | $345 / yr |
| 🇨🇦 CA Taxable | 25% | 2.59% | -0.21% | $259 / yr |
| 🇦🇺 Super (pension) | 15% | 2.93% | 0.13% | $293 / yr |
| 🇦🇺 AU Taxable | 30% | 2.42% | -0.38% | $242 / yr |
| 🇩🇪 DE Taxable | 26.375% | 2.54% | -0.26% | $254 / yr |
| 🇫🇷 FR Taxable | 30% | 2.42% | -0.38% | $242 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $2.00/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
NTB pays quarterly — 4 times per year. Next ex-div: TBD.
How NTB compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for NTB sourced from FMP /financial-growth endpoint — real data, not estimates.
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
| Insider | Title | Type | Date | Shares | Price | Total Value |
|---|---|---|---|---|---|---|
| Buy | 2026-05-29 | 10,000 | $56.49 | $564.9K | ||
| A-Award | 2026-05-27 | 379 | — | — | ||
| A-Award | 2026-05-27 | 51 | — | — | ||
| A-Award | 2026-05-27 | 49 | — | — | ||
| A-Award | 2026-05-27 | 47 | — | — | ||
| A-Award | 2026-05-27 | 2,155 | — | — | ||
| A-Award | 2026-05-27 | 1,378 | — | — | ||
| A-Award | 2026-05-27 | 342 | — | — | ||
| A-Award | 2026-05-27 | 50 | — | — | ||
| A-Award | 2026-05-27 | 511 | — | — |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
Analyst consensus price target via FMP. Not a guarantee of future performance. Past analyst accuracy varies.
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Insiders are net buyers — historically a positive signal for dividend sustainability. Last purchase: 2026-05-29
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the NTB dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
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