As of Oct. 30, 2025, two stocks in the financial sector could be flashing a real warning to investors who value momentum as a key criteria in their trading decisions.The RSI is a momentum indicator, which compares a stock’s strength on days when prices go up to its strength on days when prices go down. When compared to a stock’s price action, it can give traders a better sense of how a stock may perform in the short term. An asset is typically considered overbought when the RSI is above 70, according to Ben ...

The Bank of N.T. Butterfield & Son (NYSE:NTB) Q3 2025 Earnings Call October 29, 2025 10:00 AM ET Company ParticipantsDavid Feaster - DirectorNoah Fields - Head of Investor RelationsTim Switzer - VP and Equity ResearchJody Feldman - Managing Director, BermudaMichael Schrum - President and CFOMichael Collins - Chairman and CEOOperatorGood morning, my name is Debbie and I will be your conference operator today. At this time I would like to welcome everyone to the third quarter 2025 earnings call for Bank of N. ...

The Bank of N.T. Butterfield & Son (NYSE:NTB) Q3 2025 Earnings Call October 29, 2025 10:00 AM ET Company ParticipantsDavid Feaster - DirectorNoah Fields - Head of Investor RelationsTim Switzer - VP and Equity ResearchJody Feldman - Managing Director, BermudaMichael Schrum - President and CFOMichael Collins - Chairman and CEOOperatorGood morning, my name is Debbie and I will be your conference operator today. At this time I would like to welcome everyone to the third quarter 2025 earnings call for Bank of N. ...

The Bank of N.T. Butterfield & Son (NYSE:NTB) Q3 2025 Earnings Call October 29, 2025 10:00 AM ET Speaker4Good morning, my name is Debbie and I will be your conference operator today. At this time I would like to welcome everyone to the third quarter 2025 earnings call for Bank of N.T. Butterfield & Son Limited. All participants will be in listen-only mode. Should you need assistance, please signal a conference specialist by pressing the star key followed by zero. After today's presentation, there will be an ...

业绩总结 - 2025年第三季度净收入为6110万美元，较第二季度增长7.7%，较去年同期增长15.8%[9] - 核心净收入为6330万美元，较第二季度增长9.6%，较去年同期增长19.8%[12] - 每股收益为1.46美元，核心每股收益为1.51美元[12] - 股东权益回报率为22.5%，核心可持续普通股权益回报率为25.5%[12] - 2025年第三季度现金及现金等价物为15.01亿美元，较上一季度下降25%[26] 收入与支出 - 净利息收入为9270万美元，较第二季度增长3.3%，较去年同期增长4.7%[9] - 非利息收入为6120万美元，较第二季度增长4.2%，主要由于银行费用和外汇收入增加[21] - 非利息支出为9220万美元，较第二季度增长0.7%，较去年同期减少2.2%[9] - 核心非利息支出为8850万美元，较上一季度下降2.8%[23] - 2025年第三季度非利息支出为9080万美元，较2024年第二季度的9180万美元下降1.1%[70] 资产与负债 - 总资产为140.86亿美元，较上一季度下降1%[26] - 总负债为128.65亿美元，较2025年第二季度的129.87亿美元下降0.9%[59] - 贷款净额为44.68亿美元，较上一季度基本持平[26] - 信贷损失准备金为2570万美元，占总贷款的0.6%，与上一季度一致[30] - 2025年第三季度不良贷款占比为2.0%，与2024年第二季度持平[57] 资本与效率 - 每股有形账面价值为25.06美元，较上一季度增长5.4%[36] - 核心效率比率为56.2%，较上一季度有所下降，优于银行的长期目标60%[24] - 2025年第三季度核心一级资本比率为26.9%，较2024年第二季度的26.0%上升3.5%[57] - 2025年第三季度流动性持有现金及现金等价物占总资产的比例为10.6%[55] - 2025年第三季度效率比率为57.7%，较2024年第二季度的61.3%下降3.6个百分点[70] 股票回购与分红 - 季度现金分红为每股0.50美元[12] - 回购了70万股股票，总成本为3030万美元[12] - 2025年第三季度的回报率为22.5%，较2024年第二季度的20.3%上升2.2个百分点[68] - 2025年第三季度的核心回报率为25.5%，较2024年第二季度的22.3%上升3.2个百分点[68] - 2025年第三季度股东权益为10.52亿美元，较2025年第二季度的10.35亿美元增长1.2%[59]

Bank of NT Butterfield & Son (NTB) came out with quarterly earnings of $1.51 per share, beating the Zacks Consensus Estimate of $1.3 per share. This compares to earnings of $1.16 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of +16.15%. A quarter ago, it was expected that this community bank would post earnings of $1.15 per share when it actually produced earnings of $1.26, delivering a surprise of +9.57%.Over the last four qua ...

HAMILTON, Bermuda--(BUSINESS WIRE)--The Bank of N.T. Butterfield & Son Limited ("Butterfield" or the "Bank") (BSX: NTB.BH; NYSE: NTB) today announced financial results for the quarter ended September 30, 2025. Non-interest income for the third quarter of 2025 was $61.2 million, an increase of $4.2 million from $57.0 million in the previous quarter and $5.1 million higher than $56.0 million in the third quarter of 2024. The increase in the third quarter of 2025 compared to the prior quarter and the third qua ...

Oct 13, 2025 4:30 PM Eastern Daylight Time HAMILTON, Bermuda--(BUSINESS WIRE)--The Bank of N.T. Butterfield & Son Limited ("Butterfield†) (NYSE: NTB | BSX: NTB.BH) will release third quarter 2025 financial results following the close of the New York Stock Exchange on Tuesday, October 28, 2025. Earnings conference call: Wednesday, October 29, 2025 at 10:00 a.m. Eastern Time Dial-in information: +1 (844) 855 9501 (toll-free US) or +1 (412) 858 4603 (international) Conference ID: Butterfield Group Live audio ...

Out of all of the banks that I have covered on Seeking Alpha this year, the Bank of N.T. Butterfield & Son Limited (NYSE: NTB ) certainly takes the prize for the most unique name. ItsI have been involved in the financial world for over 20 years with experience as an advisor, teacher, and writer. I am a full believer in the free-market system and that financial markets are efficient with most stocks reflecting their real current value. The best opportunities for profits on individual stocks come from stocks ...

财务数据和关键指标变化 - 第二季度净收入为5330万美元 核心净收入为5370万美元 核心每股收益为126美元 核心平均有形普通股回报率为223% [6] - 净息差为264% 较上一季度下降6个基点 存款成本下降4个基点至156个基点 [6] - 提前赎回1亿美元次级债务 导致120万美元未摊销发行成本立即确认 并对净息差产生2个基点的一次性负面影响 [7] - 平均生息资产增加1667亿美元至136亿美元 贷款余额略有上升 主要受英镑兑美元走强影响 [12] 各条业务线数据和关键指标变化 - 非利息收入总计5700万美元 环比下降140万美元 主要由于季节性因素导致银行费用和外汇收入减少 [14] - 信托收入增加 得益于年度费用调整 业务关系重新定价 新客户加入以及特殊和时间性费用增加 [14] - 资本效率费用比率保持39% 与上一季度持平 优于历史同行平均水平 [14] - 非利息支出为9140万美元 高于上一季度的9030万美元 主要受英镑走强和绩效激励计提增加影响 [15] 各个市场数据和关键指标变化 - 存款余额增至128亿美元 较上一季度增加2亿美元 主要受英镑走强影响 但客户存款实际减少3000万美元 [17] - 贷款风险密度为286% 反映资产负债表监管资本效率 贷款组合中70%为全额追索权住宅抵押贷款 其中81%的贷款价值比低于70% [18] - 非应计贷款占贷款总额比例下降30个基点至2% 信贷损失准备覆盖率保持06% [18] 公司战略和发展方向和行业竞争 - 公司专注于可持续盈利和股东价值创造 通过并购增加稳定费用收入 并大幅减少流通股数量 [7] - 董事会批准季度现金股息增加14%至每股050美元 并新增150万股股票回购授权 [8] - 继续评估潜在收购机会 作为持续增长优先事项的一部分 [20] - 在离岸银行和财富管理领域保持市场领先地位 业务覆盖百慕大 开曼群岛 海峡群岛 巴哈马 瑞士和新加坡等地 [5] 管理层对经营环境和未来前景的评论 - 百慕大旅游旺季表现良好 再保险行业表现强劲 开曼群岛在旅游 房地产和国际业务领域持续增长 [21] - 泽西岛和根西岛继续被视为国际业务首选地点 公司通过提供银行 私人信托 托管和信托服务受益于这一环境 [22] - 预计未来12至24个月OCI将进一步改善 幅度在3342%之间 [19] 其他重要信息 - 董事会成员变动 Sonia Baxendale因时间原因不再连任 Andrew Hinton加入董事会 带来丰富的治理 私人银行和投资银行经验 [9][10] - 第二季度以平均每股4069美元回购110万股股票 [9] 问答环节所有的提问和回答 问题: 债券投资策略是否因利率曲线变化而调整 - 目前主要将到期债券收益再投资 50%投入15年期抵押贷款支持证券 50%投入2-3-5年期美国国债阶梯 密切关注市场动态 [27] - 投资组合整体期限逐渐缩短 投资利率提高至约380个基点 期限约31年 [30] 问题: 临时存款流出情况更新 - 预计部分存款可能流出 包括处于清算中的基金约2亿美元 以及700-800万美元非粘性存款 [33] - 英镑走强掩盖了实际客户资金外流情况 [34] 问题: 资本回报策略调整原因 - 优先顺序为股息 M&A 股票回购 过去六年未增加股息 此次调整旨在平衡股息与回购比例 [37] - 股息支付率从34%提升至36% 新股票回购授权规模较小 但董事会支持根据需要调整 [42] 问题: CET1资本水平目标 - 当前接近26% 预计几年内降至中低20%区间 保留资本空间用于潜在并购 不排除重返次级债务市场可能 [49][50] - 地缘政治和通胀不确定性下 保持适度资本缓冲是审慎选择 [53] 问题: 存款成本下降空间 - 存款期限从65%活期提升至70% 推动成本下降 未来降幅将放缓 [57] - 净息差通常在275%-3%见顶 当前环境仍存在下行风险 [59]