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Northern Trust

NTRS · Financials

Last earnings Oct 21, 2026

Key results

Net incomequarter

$457.6 MILLION

NET INCOME OF $457.6 MILLION,

SEC original ↗Northern Trust — Earnings release (8-K exhibit)EX-99Oct 22, 2025

Net income was $457.6 million, compared to $421.3 million in the prior quarter and $464.9 million in the prior-year quarter.

SEC original ↗Northern Trust — Earnings release (8-K exhibit)EX-99Oct 22, 2025

Other operating incomequarter

$68.1 million

Other Operating Income decreased compared to the prior-year quarter primarily driven by the $68.1 million gain on the sale of an equity investment in the prior-year quarter, partially offset by lower expenses in the current quarter associated with existing Visa Class B swap agreements.

SEC original ↗Northern Trust — Earnings release (8-K exhibit)EX-99Oct 22, 2025

EPSQ3 2025

6%

driving meaningful productivity gains Enterprise Financial Highlights Strategic Highlights +6%+6% YTD Expense Growth1 +5% EPS Growth1 +15% +5% +14% 28.8%Pre-Tax Margin ROE 14.0% Payout Ratio 110% 30.8% 98% 14.8% 1 3Q25 growth rates reflect year-over-year comparisons and exclude $55.3MM in notable items that favorably impacted 3Q24 revenue.

SEC original ↗Northern Trust — Presentation / slide deck (8-K exhibit)EX-99Oct 22, 2025

EPSytd

5%

driving meaningful productivity gains Enterprise Financial Highlights Strategic Highlights +6%+6% YTD Expense Growth1 +5% EPS Growth1 +15% +5% +14% 28.8%Pre-Tax Margin ROE 14.0% Payout Ratio 110% 30.8% 98% 14.8% 1 3Q25 growth rates reflect year-over-year comparisons and exclude $55.3MM in notable items that favorably impacted 3Q24 revenue.

SEC original ↗Northern Trust — Presentation / slide deck (8-K exhibit)EX-99Oct 22, 2025

YTD revenueytd

$730.2

YTD growth rates exclude $730.2 MM in notable items that favorably impacted YTD revenue and $194.7MM in notable items that unfavorably impacted YTD expense in 2024.

SEC original ↗Northern Trust — Presentation / slide deck (8-K exhibit)EX-99Oct 22, 2025

AI analysis

Q3 2025 · reported Oct 22, 2025

Based on: Earnings release + Q3 2025 deck + parent 8-K — transcript not held

Net income · Q3 2025
$457.6M
EX-99 · Oct 22, 2025
Other operating income · Q3 2025
$68.1M
EX-99 · Oct 22, 2025

Headline figures

MetricQ3 2025Prior qtrYear ago
Net income$457.6 MILLION——
Other operating income$68.1 million——
EPS6%——

EX-99 · Oct 22, 2025

Guidance · company-stated

No guidance located in the held release

Next earningsNo verified date on fileNo date is estimated or imported

Capital allocation

Dividend$431.3M

CAPITAL ACTIONS The Corporation returned $431.3 million to common shareholders in the current quarter through dividends and the repurchase of shares.

General educational research only — not investment advice.Every figure is as stated in the held documents; values marked “computed from stated figures” are arithmetic on those stated figures. Guidance shown is the company’s own stated guidance. No price targets, no recommendations, no consensus estimates.

Event summary

MICHAEL O GRADY, CHAIRMAN AND CHIEF EXECUTIVE OFFICER Northern Trust delivered strong third quarter results with solid revenue growth across trust fees, capital markets and net interest income

Based on: Earnings release + Q3 2025 deck + parent 8-K — transcript not held

Guidance & outlook

No guidance located in the held release

Capital allocation

CAPITAL ACTIONS The Corporation returned $431.3 million to common shareholders in the current quarter through dividends and the repurchase of shares.

SEC original ↗Northern Trust — Earnings release (8-K exhibit)EX-99Oct 22, 2025

During the current quarter, the Corporation declared cash dividends totaling $154.3 million to common stockholders and increased its quarterly cash dividend to $0.80 per share on common stock from the previous $0.75 per share.

SEC original ↗Northern Trust — Earnings release (8-K exhibit)EX-99Oct 22, 2025

The Corporation repurchased 2,164,198 shares of common stock, including 16,233 withheld to satisfy tax withholding obligations related to share-based compensation, at a total cost of $277.0 million ($128.00 average price per share).

SEC original ↗Northern Trust — Earnings release (8-K exhibit)EX-99Oct 22, 2025

The Corporation also declared cash dividends totaling $16.2 million to preferred stockholders during the current quarter.

SEC original ↗Northern Trust — Earnings release (8-K exhibit)EX-99Oct 22, 2025

Forward-looking statements include statements, other than those related to historical facts, that relate to Northern Trust s financial results and outlook, capital adequacy, dividend policy and share repurchase program, accounting estimates and assumptions, credit quality including allowance levels, future pension plan contributions, effective tax rate, anticipated expense levels, contingent liabilities, acquisitions, strategies, market and industry trends, and expectations regarding the impact of accounting pronouncements and legislation.

SEC original ↗Northern Trust — Earnings release (8-K exhibit)EX-99Oct 22, 2025

(5) Other Borrowings primarily includes advances from the Federal Home Loan Bank of Chicago .

SEC original ↗Northern Trust — Earnings release (8-K exhibit)EX-99Oct 22, 2025

Strategy & priorities

Continued expense discipline contributed to meaningful pre-tax margin expansion, double digit EPS growth and our fifth consecutive quarter of positive operating leverage and year-over-year improvement in our expense-to-trust fee ratio, excluding notables.

SEC original ↗Northern Trust — Earnings release (8-K exhibit)EX-99Oct 22, 2025

As we prepare to close out the year, we remain focused on executing on our One Northern Trust strategy, serving our clients with distinction, and generating value for our shareholders.

SEC original ↗Northern Trust — Earnings release (8-K exhibit)EX-99Oct 22, 2025

Forward-looking statements are identified typically by words or phrases such as believe, expect, anticipate, intend, estimate, project, likely, plan, goal, target, strategy, and similar expressions or future or conditional verbs such as may, will, should, would, and could.

SEC original ↗Northern Trust — Earnings release (8-K exhibit)EX-99Oct 22, 2025

Forward-looking statements include statements, other than those related to historical facts, that relate to Northern Trust s financial results and outlook, capital adequacy, dividend policy and share repurchase program, accounting estimates and assumptions, credit quality including allowance levels, future pension plan contributions, effective tax rate, anticipated expense levels, contingent liabilities, acquisitions, strategies, market and industry trends, and expectations regarding the impact of accounting pronouncements and legislation.

SEC original ↗Northern Trust — Earnings release (8-K exhibit)EX-99Oct 22, 2025

com / © 2025 Northern Trust 2 Over 135 years of strength, stability & stewardship Disciplined, client-centric strategy Highest standards of client service Product leadership & innovative services Solutions-focused technology & integrated operating platform northerntrust.

SEC original ↗Northern Trust — Presentation / slide deck (8-K exhibit)EX-99Oct 22, 2025

Risks & headwinds

These statements are based on Northern Trust s current beliefs and expectations of future events or future results, and involve risks and uncertainties that are difficult to predict and subject to change.

SEC original ↗Northern Trust — Earnings release (8-K exhibit)EX-99Oct 22, 2025

Documents

Earnings deck slides

0 decks with slide view

Northern Trust — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Northern Trust — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Northern Trust — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Northern Trust — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Northern Trust — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Northern Trust — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Northern Trust — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Northern Trust — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Northern Trust — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Northern Trust — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Northern Trust — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Northern Trust — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Northern Trust — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Northern Trust — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Northern Trust — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Northern Trust — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Northern Trust — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Northern Trust — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Northern Trust — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Northern Trust — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Northern Trust — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Northern Trust — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Competitors

Competitors & peers

Same GICS sector — classification peers, not declared competitors

Arthur J. Gallagher & Co. (AJG) FinancialsSun Life Financial (SLF) FinancialsRaymond James Financial (RJF) FinancialsAflac (AFL) FinancialsING Group (ING) FinancialsCincinnati Financial (CINF) FinancialsCoinbase (COIN) FinancialsTruist Financial (TFC) Financials

Filings

65 documents

Earnings releases

42 documents

Presentations

22 documents

Transcripts

0 documents

No transcripts for Northern Trust are held in this edition of the library.

Mentioned by

3 companies

Other tracked companies whose held documents mention Northern Trust by name or ticker. A mention is counted once per document, from the document text the library holds.

See also the earnings calendar for every tracked company’s next earnings date.