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NTB

BULLISH
$55.45 Live
The Bank of N.T. Butterfield & Son Limited · NYSE
Target $57.33 (+3.4%)
$40.32 52W Range $57.84
Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated May 01, 2026
Market cap
$2.2B
P/E
9.61
ROE
22.0%
Profit margin
39.3%
Debt/Equity
N/A
Dividend yield
3.61%

AI Analysis

AI-powered fundamental assessment

Confidence
85%
The deterministic health baseline shows a stable Piotroski F-Score of 4/9, while the stock is fundamentally undervalued, trading below its Graham Number ($60.92) and significantly below its Intrinsic Value ($170.21). The company exhibits exceptional operational efficiency with an ROE of 21.95% and a stellar 25-quarter track record of earnings beats. While technical trends are currently bearish (10/100) and revenue growth is modest, the strong earnings growth (24.4%) and sustainable dividend payout ratio suggest a high-quality value opportunity.

Key Strengths

Exceptional earnings track record with consistent beats over 25 quarters
Strong profitability metrics including 21.95% ROE and 39.28% profit margin
Significant valuation discount relative to Intrinsic Value ($170.21) and Graham Number ($60.92)
Highly sustainable dividend profile with a low payout ratio of 33.62%
Strong YoY earnings growth of 24.4% despite slower top-line revenue growth

Key Risks

Severely bearish technical trend (10/100) indicating strong short-term selling pressure
Weak insider sentiment (40/100) suggesting lack of internal conviction at current levels
Sluggish revenue growth (4.30% YoY) compared to sector averages
Limited analyst coverage (only 3 analysts) increasing information asymmetry risk
Concentration risk inherent to diversified banking in specific jurisdictions
AI Fair Value Estimate
Based on comprehensive analysis
$82.5
+48.8% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
77
Strong
Value
92
Future
65
Past
95
Health
50
Dividend
85
AI Verdict
Strong Value Play
Key drivers: Deep valuation discount, Consistent earnings surprises, High ROE
Confidence
90%
Value
92/100

Ref P/E 9.61, Graham Number $60.92

Positives
  • P/E of 9.61 is very low
  • Price is below Graham Number
  • Forward P/E indicates further cheapening
Watchpoints
  • Price/Book of 1.94 is slightly elevated for a value bank
Future
65/100

Ref 24.4% Earnings Growth vs 4.3% Revenue Growth

Positives
  • Strong EPS growth trajectory
  • Positive Q/Q earnings momentum
Watchpoints
  • Low YoY revenue growth (4.3%)
  • Bearish technical momentum
Past
95/100

Ref Quarterly Earnings Track Record

Positives
  • Consistent earnings beats over 25 quarters
  • Strong 3Y and 5Y price appreciation
Watchpoints
No urgent risks highlighted.
Health
50/100

Ref Piotroski F-Score 4/9

Positives
  • Piotroski F-Score of 4/9 indicates stability
Watchpoints
  • Piotroski score is not in the 'Strong' range
  • Altman Z-Score not applicable for banking sector
Dividend
85/100

Ref Yield 3.61%, Payout 33.62%

Positives
  • Very safe payout ratio (33.62%)
  • Consistent dividend rate
Watchpoints
  • Yield (3.61%) is moderate rather than aggressive

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$55.45
Analyst Target
$57.33
Upside/Downside
+3.4%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for NTB and closest competitors.

Updated 2026-04-30
NTB
The Bank of N.T. Butterfield & Son Limited
Primary
5Y
+78.3%
3Y
+147.7%
1Y
+42.4%
6M
+23.4%
1M
+5.7%
1W
-1.5%
CLM
Cornerstone Strategic Investment Fund, Inc.
Peer
5Y
+56.6%
3Y
+68.4%
1Y
+28.2%
6M
-0.6%
1M
+5.1%
1W
-1.1%
MAA
Maase Inc.
Peer
5Y
-97.5%
3Y
-98.2%
1Y
+52.9%
6M
+100.3%
1M
+10.7%
1W
+3.6%
HTH
Hilltop Holdings Inc.
Peer
5Y
+20.3%
3Y
+26.7%
1Y
+29.7%
6M
+13.0%
1M
+4.5%
1W
-3.0%
BUR
Burford Capital Limited
Peer
5Y
+18.9%
3Y
+8.0%
1Y
-30.4%
6M
-29.2%
1M
+8.3%
1W
+0.3%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
9.61
Forward P/E
8.43
PEG Ratio
N/A
P/B Ratio
1.94
P/S Ratio
3.58
EV/Revenue
-1.03
EV/EBITDA
N/A
Market Cap
$2.2B

Profitability

Profit margins and return metrics

Profit Margin 39.27%
Operating Margin 42.69%
Gross Margin N/A
ROE 21.95%
ROA 1.69%

Growth

Revenue and earnings growth rates

Revenue Growth +4.3%
Earnings Growth +24.4%
Q/Q Revenue Growth +5.51%
Q/Q Earnings Growth +16.5%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$74.72

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q1 2026

Revenue
$0.2B
Net Margin
40.2%
Total Assets
$14.4B
Liabilities
$13.3B
Equity
$1.1B
Debt/Equity
11.70x
Operating CF
$0.1B
CapEx
$-0.0B
Free Cash Flow
$0.1B
FCF Yield
85%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-07-27
$N/A
2026-04-28
$1.55
+10.7% surprise
2026-02-09
$1.54
+5.0% surprise
2025-10-28
$1.51
+15.0% surprise

Financial Services Sector Comparison

Comparing NTB against 975 companies in the Financial Services sector (156 bullish, 425 neutral, 394 bearish)
P/E Ratio
9.61
This Stock
vs
34.86
Sector Avg
-72.4% (Discount)
Return on Equity (ROE)
21.95%
This Stock
vs
0.29%
Sector Avg
+7411.0% (Excellent)
Profit Margin
39.27%
This Stock
vs
88.25%
Sector Avg
-55.5% (Weaker)
Revenue Growth
4.3%
This Stock
vs
33.02%
Sector Avg
-87.0% (Slower)

Similar Companies

Peer comparison within the same industry

NTB The Bank of N.T....
BULLISH
Mkt Cap
$2.2B
P/E
9.6
ROE
22.0%
Price
$55.45
CLM Cornerstone...
NEUTRAL
Mkt Cap
$2.2B
P/E
6.8
ROE
16.7%
Price
$7.45
 Compare with NTB
MAAS Maase Inc.
BEARISH
Mkt Cap
$2.2B
P/E
-
ROE
-0.2%
Price
$6.11
 Compare with NTB
HTH Hilltop Holdings Inc.
BEARISH
Mkt Cap
$2.2B
P/E
14.0
ROE
7.6%
Price
$36.8
 Compare with NTB
BUR Burford Capital Limited
BEARISH
Mkt Cap
$2.1B
P/E
25.0
ROE
4.2%
Price
$9.75
 Compare with NTB

SEC Filings

Recent regulatory filings from the SEC EDGAR database

20-F
20-F THE BANK OF N.T. BUTTERFIELD YEAR-END 2025
2026-02-18

The Bank of N.T. Butterfield filed its 20-F annual report for the 2025 fiscal year on February 18, 2026. This filing provides the comprehensive financial results and risk disclosures for the year ending 2025.

20-F
20-F BANK OF NT BUTTERFIELD YEAR-END 2024
2025-02-19

Bank of NT Butterfield filed its 20-F annual report for the 2024 fiscal year on February 19, 2025. Detailed financial highlights and risk disclosures are contained within the full filing, as specific data was not provided in the metadata.

Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus
BUY
3 analysts
Wells Fargo
2026-02-12
Maintains
Equal-Weight Equal-Weight
Keefe, Bruyette & Woods
2026-02-11
Maintains
Market Perform Market Perform

Past News Coverage

Recent headlines mentioning NTB from our newsroom.

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