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The Bank of N.T. Butterfield & Son Limited
NTB
NYSE·Financial Services·Banks - Regional·Mkt cap $2.4B
$59.67
▼ -0.98%
View full research view
Our plain-language verdict, the thesis, risk factors, and what is changing about the business.
View research view52-Week Range
$40.59 - $60.87
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 31.3% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
5 reasons
- 165+ year heritage and established brand reputation across multiple jurisdictions
- Diversified geographic presence in key financial centers (Bermuda, Cayman Islands, UK, Switzerland, Singapore)
- Integrated service model combining banking, wealth management, and insurance
- Strong institutional and high-net-worth client base reducing retail deposit volatility
- Regulatory expertise and compliance infrastructure across multiple jurisdictions
Bear Case
1 risk
- Low volatility (beta 0.5).
Growth
Revenue decline expected
Digital banking expansion and mobile/internet platform adoption
Value
Attractively priced below Commercial Banking peer average
Momentum
Strong
+12.7% over 3m
Quality
Excellent
Exceptional business - top-tier fundamentals
Dividend
Solid
3.32% yield
Smart-money signal
Who's buying NTB right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Latest print - beat on both lines
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Apr 21, 2026
APR 28, 2026
Reported EPS of $1.55 vs $1.40 consensus (+10.7% surprise). Revenue of $154.5M vs $150.1M expected (+2.9%). Beat on both top and bottom lines.
EPS surprise · last 4Q
1 of 1 beats
Q2 26
+10.7%
Next: Apr 21, 2026
Revenue trend · last 8Q
—
—
+46%
+4%
+2%
+39%
-3%
-21%
Q2 24
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
$143.1M
$144.0M
$209.2M
$198.5M
$198.0M
$200.5M
$203.0M
$155.9M
Margins · last 8Q
Gross
—
Operating
—
Profit
40.1%
Wall Street consensus
2 analysts · 0% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
0%
Hold
100%
Sell
0%
Median Price Target
—
Latest: Wells Fargo · $57.00 · Feb 12, 2026