Do they need money?
The small-cap trader’s #1 question. We read a company’s cash on hand vs. its cash burn straight from SEC filings and answer yes or no — is a dilutive raise coming? Enter a ticker.
Reading NTB’s cash-flow filings…
NTB · The Bank of N.T. Butterfield & Son Limited · from SEC EDGAR
NO
Self-funding
profitable · generates cash
The Bank of N.T. Butterfield & Son Limited generates more cash than it spends and is profitable, so it doesn't need to raise money. Dilution risk is low.
Cash & short-term investmentsas of $1.71B
Operating cash flow (annual)$279.6M
Net income (annual)$231.9M
Estimated runwayn/a — funded
Going-concern warningNone
Shelf on file? (can they dilute)Check →
Last offering? (have they diluted)Check →
Note: NTBlooks like a bank/insurer/REIT — operating cash flow is a weaker “burn” signal for financial companies.
Runway = cash ÷ operating burn, from SEC XBRL. Filings lag 40–90 days, so figures are as filed — a raise may already have happened. Educational, not investment advice; verify against the filings.