Is Bank of N.T. Butterfield & Son Ltd (NTB) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Banks - Diversified | ✗ NOT HALAL | |||
| DJIM | Excluded — Banks - Diversified | ✗ NOT HALAL | |||
| MSCI | Excluded — Banks - Diversified | ✗ NOT HALAL | |||
| S&P | Excluded — Banks - Diversified | ✗ NOT HALAL | |||
| FTSE | Excluded — Banks - Diversified | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 32.3% | |
| Net Margin | 38.2% | |
| Return on Equity (ROE) | 21.5% | |
| Return on Assets (ROA) | 1.6% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $280M |
| Free Cash Flow | $255M |
| Total Assets | $14.1B |
Price & Trading
| Last Close | $51.71 |
| 50-Day MA | $51.52 |
| 200-Day MA | $47.13 |
| Avg Volume | 164K |
| Beta | 0.5 |
|
52-Week Range
$34.85
| |
About Bank of N.T. Butterfield & Son Ltd (NTB)
The Bank of N.T. Butterfield & Son Limited provides a range of community, commercial, and private banking services to individuals and small to medium-sized businesses. The company offers retail and corporate checking, savings, and term deposits. It also provides lending products and services, including residential mortgage lending, automobile lending, credit cards, consumer financing, overdraft facilities to retail customers, commercial real estate lending, and commercial and industrial loans. In addition, the company offers cash and liquidity management, foreign exchange, custody administration, and settlement services. Further, it provides personal and business deposit services, residential and commercial mortgages, small and medium-sized enterprise and corporate loans, credit and debit cards, merchant acquiring, and mobile and internet banking services; and treasury services, wealth management, and fiduciary services. Additionally, the company offers discretionary investment management, managed portfolio services, money market, and mutual fund offerings, as well as advisory and self-directed brokerage options. It operates through offices in the Cayman Islands, Guernsey, Jersey, the United Kingdom, The Bahamas, Hong Kong, Switzerland, Singapore, Mauritius, and Canada, as well as Bermuda. The Bank of N.T. Butterfield & Son Limited was founded in 1784 and is headquartered in Hamilton, Bermuda.
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Frequently Asked Questions
Is Bank of N.T. Butterfield & Son Ltd (NTB) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), Bank of N.T. Butterfield & Son Ltd is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is Bank of N.T. Butterfield & Son Ltd's debt ratio?
Bank of N.T. Butterfield & Son Ltd's debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are Bank of N.T. Butterfield & Son Ltd's key financial metrics?
Bank of N.T. Butterfield & Son Ltd has a market capitalization of $2.1B, trailing P/E ratio of 9.4, and revenue of $607M. Return on equity stands at 21.5%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.