COMP <GO>
NTB vs V // NET PROFIT MARGIN
Bank of N.T. Butterfield & Son Limited Voting (NYSE) VS. Visa Inc. (NYSE) • 15-METRIC TALLY: NTB 3
— V 6
▲ NET PROFIT MARGIN LEADER: V
LAST: $56.38 (+0.41%) • MKT CAP: $2.25B
net-margins
38.20%
LAST: $425.51 (+2.88%) • MKT CAP: $738.98B
net-margins
50.10%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (NTB VS. V)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | NTB | V | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 20.30% | 32.30% | -12.00 | V | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 28.9x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 12.20% | 2.90% | +9.30 | NTB | /fcf-yield <GO> |
| Operating Margin | — | 60.00% | — | TIE | /operating-margins <GO> |
| Net Profit Margin ACTIVE | 38.20% | 50.10% | -11.90 | V | /net-margins <GO> |
| Revenue Growth (YoY) | 4.60% | 11.30% | -6.70 | V | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 3.39% | 0.63% | +2.76 | NTB | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | 9.09 | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 9/9 | -3.00 | V | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 37.0 | 67.7 | -30.70 | V | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 1.06 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 9.2x | 34.0x | -24.80 | NTB | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $2.25B | $738.98B | -$736.74B | V | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | NTB REV | V REV | NTB GROSS % | V GROSS % | NTB FCF | V FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $606.8M | $40.00B | — | — | $279.6M | $21.26B |
| FY 2024 | $579.9M | $35.93B | — | — | $265.4M | $18.33B |
| FY 2023 | $578.6M | $32.65B | — | — | $300.3M | $19.29B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
NTB // BETA —
V // BETA 1.06