NTRS Northern Trust

company

SEC Filings & Insider Trading Activity 2026

Risk Factors

• • Non-US revenue 30% of total; sanctions/geopolitical restrictions (e.g., Russia) causing accumulating trapped cash with subcustodians, growing over time
• • Evolving AI/digital asset regulation — GENIUS Act 2025 and potential CLARITY Act create uncertain compliance obligations for product/service offerings
• • Heavy IT dependency on third-party vendors for core data processing; vendor failure or breach has caused and could again disrupt client service delivery
• • Generative AI adoption by competitors and nontraditional FinTech providers with fewer regulatory constraints threatens pricing power and client retention
• • Fee revenue majority tied to AUM market values; equity/debt market downturns historically compress earnings with no offsetting loan-income buffer

Management Discussion & Analysis

• • Total revenue $8,086.4M in 2025, down from $8,290.4M in 2024 (-2.5%); Trust/Investment fees best growth at $5,017.8M vs $4,727.8M (+6.1%)
• • Net income $1,736.9M vs $2,031.1M in 2024; operating margin ~28.9% vs ~32.1% (income before taxes / total revenue)
• • Net Interest Income $2,411.0M vs $2,177.1M (+10.8%); NIM 1.70% vs 1.62%; 2024 inflated by $1,157.4M one-time Other Operating Income
• • Capital returns: buybacks $1,273.5M (vs $937.8M in 2024), common dividends $600.5M ($3.10/share), capex (software + equipment) ~$774.2M
• • Key risk: non-interest income decline driven by absence of 2024 one-time items; rising compensation/tech costs ($1,169.9M equipment/software, up 8.8%)

Business Overview

• • Section 'business' was empty or not found.

What are the latest NTRS SEC filings in 2026?

Northern Trust (NTRS) has filed a 10-K annual report on February 24, 2026, a 10-Q quarterly report on April 30, 2026, an 8-K current report on August 3, 2026 with the SEC. SignalX tracks every new SEC EDGAR filing daily, including 10-K, 10-Q, 8-K, and Form 4 insider transactions, with AI-powered summaries of key sections.

When did NTRS file its most recent 10-K annual report?

Northern Trust (NTRS) filed its most recent 10-K annual report on February 24, 2026. The 10-K includes audited financial statements, business overview, risk factors, and management discussion, all available on SignalX with AI-generated summaries and XBRL financial data.

How do I view NTRS 10-Q quarterly reports?

Northern Trust (NTRS)'s most recent 10-Q quarterly report was filed on April 30, 2026. SignalX displays every NTRS 10-Q with AI-generated summaries of the MD&A (Management Discussion & Analysis) and Risk Factors sections, plus links to the original SEC EDGAR document.

What 8-K current reports has NTRS filed recently?

Northern Trust (NTRS)'s most recent 8-K was filed on August 3, 2026. 8-K filings disclose material corporate events such as earnings releases, executive changes, mergers, and other significant developments. SignalX surfaces each 8-K with item-level summaries so you can quickly see what happened.

Where can I find NTRS insider trading activity (Form 4)?

SignalX aggregates every NTRS Form 4 insider transaction from SEC EDGAR. Form 4 reports show when officers, directors, and 10% shareholders buy or sell company stock, with transaction code, share count, and price per share.

How often does NTRS file with the SEC?

Northern Trust (NTRS) files a 10-K annual report once per year (typically within 60 days of fiscal year-end) and 10-Q quarterly reports three times per year. 8-K current reports are filed as needed when material events occur, and Form 4 insider transaction reports are due within two business days of a trade. SignalX monitors SEC EDGAR daily to surface every new NTRS filing with AI-powered analysis.

What is the difference between 10-K, 10-Q, and 8-K SEC filings?

A 10-K is a comprehensive annual report with audited financials, business overview, and risk factors. A 10-Q is a shorter quarterly report with unaudited financials and management discussion. An 8-K is a current report filed when a material event occurs, such as earnings releases, executive changes, acquisitions, or other significant developments. SignalX provides AI-generated summaries for all three filing types for Northern Trust (NTRS).

What is NTRS's SEC CIK number?

Northern Trust (NTRS)'s SEC CIK (Central Index Key) number is 73124. The CIK is a unique identifier assigned by the SEC to every filing entity. You can use CIK 73124 to look up all NTRS filings on SEC EDGAR, or browse them here on SignalX with AI-powered analysis.

Where can I find NTRS return on equity (ROE) and financial data?

SignalX extracts XBRL financial data from Northern Trust (NTRS) 10-K annual filings, including revenue, net income, gross profit, operating income, EPS, total assets, stockholders' equity, and operating cash flow. Return on equity (ROE) can be derived from net income divided by stockholders' equity. Multi-year financial trends are displayed in the Financial Summary table above.