COMP <GO>
NTB vs ESQ // ALTMAN Z-SCORE & DEBT/EQUITY
Bank of N.T. Butterfield & Son Limited Voting (NYSE) VS. Esquire Financial Holdings Inc. (NASDAQ) • 15-METRIC TALLY: NTB 4
— ESQ 1
■ METRIC PARITY
LAST: $56.15 (-2.01%) • MKT CAP: $2.29B
balance-sheet
—
LAST: $124.96 (-2.15%) • MKT CAP: $1.55B
balance-sheet
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (NTB VS. ESQ)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | NTB | ESQ | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 20.30% | — | — | TIE | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 12.20% | 3.67% | +8.53 | NTB | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 38.20% | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | 4.60% | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 3.39% | 0.38% | +3.01 | NTB | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 2/9 | +4.00 | NTB | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 42.1 | 61.1 | -19.00 | ESQ | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 9.2x | — | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $2.29B | $1.55B | $746.2M | NTB | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | NTB REV | ESQ REV | NTB GROSS % | ESQ GROSS % | NTB FCF | ESQ FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $606.8M | $0 | — | — | $279.6M | $56.7M |
| FY 2024 | $579.9M | $0 | — | — | $265.4M | $41.5M |
| FY 2023 | $578.6M | — | — | — | $300.3M | — |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
NTB // BETA —
ESQ // BETA —