COMP <GO>
NTB vs BAC // ALTMAN Z-SCORE & DEBT/EQUITY
Bank of N.T. Butterfield & Son Limited Voting (NYSE) VS. Bank of America Corporation (NYSE) • 15-METRIC TALLY: NTB 5
— BAC 4
■ METRIC PARITY
LAST: $57.30 (-1.50%) • MKT CAP: $2.29B
balance-sheet
—
LAST: $51.14 (+0.57%) • MKT CAP: $357.61B
balance-sheet
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (NTB VS. BAC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | NTB | BAC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 20.30% | 2.50% | +17.80 | NTB | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 30.2x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 12.20% | 2.10% | +10.10 | NTB | /fcf-yield <GO> |
| Operating Margin | — | 32.90% | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 38.20% | 27.00% | +11.20 | NTB | /net-margins <GO> |
| Revenue Growth (YoY) | 4.60% | 6.80% | -2.20 | BAC | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 3.39% | 0.00% | +3.39 | NTB | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 7/9 | -1.00 | BAC | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 33.6 | 38.3 | -4.67 | BAC | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 0.90 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 9.2x | 10.9x | -1.70 | NTB | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $2.29B | $357.61B | -$355.32B | BAC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | NTB REV | BAC REV | NTB GROSS % | BAC GROSS % | NTB FCF | BAC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $606.8M | $113.10B | — | — | $279.6M | $7.52B |
| FY 2024 | $579.9M | $105.86B | — | — | $265.4M | -$13.57B |
| FY 2023 | $578.6M | $102.77B | — | — | $300.3M | $40.36B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
NTB // BETA —
BAC // BETA 0.90