COMP <GO>
NTB vs GGAL // EV/EBITDA & P/E VALUATION
Bank of N.T. Butterfield & Son Limited Voting (NYSE) VS. Grupo Financiero Galicia S.A. (NASDAQ) • 15-METRIC TALLY: NTB 6
— GGAL 3
■ METRIC PARITY
LAST: $56.15 (-2.01%) • MKT CAP: $2.25B
valuation
—
LAST: $32.30 (-4.24%) • MKT CAP: $5.19B
valuation
21.0x
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (NTB VS. GGAL)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | NTB | GGAL | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 20.30% | 9.90% | +10.40 | NTB | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | 21.0x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 12.20% | 2.21% | +9.99 | NTB | /fcf-yield <GO> |
| Operating Margin | — | 13.90% | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 38.20% | 10.90% | +27.30 | NTB | /net-margins <GO> |
| Revenue Growth (YoY) | 4.60% | 22.00% | -17.40 | GGAL | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 3.39% | 0.00% | +3.39 | NTB | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 8/9 | -2.00 | GGAL | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 37.0 | 33.8 | +3.20 | NTB | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 1.13 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 9.2x | 27.6x | -18.40 | NTB | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $2.25B | $5.19B | -$2.94B | GGAL | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | NTB REV | GGAL REV | NTB GROSS % | GGAL GROSS % | NTB FCF | GGAL FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $606.8M | — | — | — | $279.6M | — |
| FY 2024 | $579.9M | — | — | — | $265.4M | — |
| FY 2023 | $578.6M | — | — | — | $300.3M | — |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
NTB // BETA —
GGAL // BETA 1.13