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Bank of N.T. Butterfield & Son

NTB

Last
$57.50
Day
-0.6%
1y
+37.3%
5y
+60.2%
52w
-9.8%
SPY YTD
+13.3%
XLF
-1.3%
Earnings
2026-10-2717d
EMA 21
58.69
EMA 50
59.25
EMA 200
55.94
20d high
-4.7%
5y high
-9.8%
5y range
85th
Website · 1,299 employees · Bermuda

Positions held

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Score
-28
Hold
avoid
Signal
Strong Sell
Target
$59.60
Stop
$56.39
Stop distance
1.9%
Target vs last
+3.6%

Bull / bear case

Site-generated summary from fundamentals, news, and score — not investment advice. As of 2026-10-08.

Bull case
  • The Bank of N.T. Butterfield & Son operates in a stable financial services sector, benefiting from a diversified banking model that can adapt to changing market conditions.
  • In the most recent quarter, NTB reported a revenue increase of 3% compared to the prior quarter, reaching $160 million.
  • The company has a strong profit margin of 37.49%, indicating effective cost management and profitability.
Bear case
  • Despite its strengths, NTB has faced challenges with a negative earnings growth rate of -7.2%, suggesting potential difficulties in maintaining profitability.
  • The stock has a sell signal with a score of -7.00, indicating bearish sentiment in the market.
  • NTB's trailing P/E ratio is 10.34, which may suggest that the stock is undervalued, but it also reflects concerns about future earnings performance.

Fundamentals

Market cap$2.28BEnterprise value-$845.62MTrailing P/E10.17Forward P/E7.79
PEG—Price / book1.98Beta0.54Dividend yield3.46%
Revenue growth8.2%Earnings growth-7.2%Gross margin0.0%Operating margin32.1%
Profit margin37.5%ROE21.1%ROA1.6%Debt / equity—
Current ratio—Free cash flow—Analyst recommendationbuyMean target$66.00
52w high$64.1752w low$40.59

Quarterly

2026-Q22026-Q12025-Q42025-Q32025-Q22025-Q1
Revenue$160M$156M$159M$154M$146M—
Op margin——————
Net income$46.9M$62.6M$63.8M$61.1M$53.3M—
Gross margin——————
Gross profit——————
Operating income——————
  • Revenue +3% vs prior quarter ($160M vs $156M).

Yearly (6y)

20252024202320222021
Revenue$607M$582M$583M$552M—
Op margin—————
Net income$232M$216M$225M$214M—
Gross margin—————
Gross profit—————
Operating income————-$1.2M
Headline scan

No flags

• No distress or material-risk keywords in recent headlines (keyword scan only — not a guarantee).

News

NTB · daily-1.2% over 13 sessions
Close EMA21 EMA50 EMA200
56.5257.3058.0858.8559.632026-092026-092026-092026-092026-102026-102026-10
Quarterly · revenue, net income, margins
Revenue Net income Gross margin Op margin
$0M$40M$80M$120M$160M0%5%10%2025-Q22025-Q32025-Q42026-Q12026-Q2