Bank of N.T. Butterfield & Son Ltd (NTB) — Cash Flow Quality Index
Bank of N.T. Butterfield & Son Ltd (NTB) has a Cash Flow Quality Index of 0.94x as of March 2026. Operating cash flow of $58.91 Million is below net income of $62.62 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore NTB operating cash flow to total debt to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Bank of N.T. Butterfield & Son Ltd Cash Flow Quality Index (1999–2025)
Historical Cash Flow Quality Index for Bank of N.T. Butterfield & Son Ltd across 25 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see Bank of N.T. Butterfield & Son Ltd (NTB) cash flow conversion.
Annual Cash Flow Quality Index for Bank of N.T. Butterfield & Son Ltd (1999–2025)
Year-by-year earnings quality comparison for Bank of N.T. Butterfield & Son Ltd.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.21x | $279.56 Million | $231.90 Million | ▼ -1.8% |
| 2024 | 1.23x | $265.43 Million | $216.32 Million | ▼ -7.9% |
| 2023 | 1.33x | $300.29 Million | $225.49 Million | ▲ +30.0% |
| 2022 | 1.02x | $219.27 Million | $214.02 Million | ▼ -33.7% |
| 2021 | 1.55x | $251.35 Million | $162.67 Million | ▲ +20.9% |
| 2020 | 1.28x | $188.15 Million | $147.22 Million | ▼ -9.3% |
| 2019 | 1.41x | $249.65 Million | $177.07 Million | ▼ -7.1% |
| 2018 | 1.52x | $296.35 Million | $195.18 Million | ▲ +20.3% |
| 2017 | 1.26x | $193.36 Million | $153.25 Million | ▼ -17.9% |
| 2016 | 1.54x | $178.19 Million | $115.94 Million | ▼ -23.2% |
| 2015 | 2.00x | $155.54 Million | $77.74 Million | ▲ +50.5% |
| 2014 | 1.33x | $143.78 Million | $108.16 Million | ▼ -12.8% |
| 2013 | 1.52x | $119.13 Million | $78.16 Million | ▼ -70.7% |
| 2012 | 5.20x | $132.91 Million | $25.58 Million | — |
| 2011 | 0.00x | $0.00 | $19.20 Million | — |
| 2008 | 0.00x | $0.00 | $4.84 Million | — |
| 2007 | 0.00x | $0.00 | $146.00 Million | — |
| 2006 | 0.00x | $0.00 | $134.08 Million | — |
| 2005 | 0.00x | $0.00 | $109.35 Million | — |
| 2004 | 0.00x | $0.00 | $90.47 Million | — |
| 2003 | 0.00x | $0.00 | $76.49 Million | — |
| 2002 | 0.00x | $0.00 | $37.43 Million | — |
| 2001 | 0.00x | $0.00 | $81.42 Million | — |
| 2000 | 0.00x | $0.00 | $60.74 Million | — |
| 1999 | 0.00x | $0.00 | $40.35 Million | — |