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Company Analysis

Bank of N.T. Butterfield & Son NTB

A comprehensive view of key metrics, scores, and financial health for Bank of N.T. Butterfield & Son

Overview of The Bank of N.T. Butterfield & Son Limited

NTB NYQ
Financial Services Banks - Diversified Mid Cap
The Bank of N.T. Butterfield & Son Limited (NTB), is a Mid Cap company, in the Banks - Diversified industry, last closed at $50.54, about 45.3% overvalued vs fair value, +33.3% 1Y return, ranked 384/1004 in sector.
$50.54
-0.41%
As of March 13, 2026
Previous close • Vol 90d: 19.1%
52-Week Range
Market Cap
$2.00B
Enterprise Value
$434.24M
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.butterfieldgroup.c...
HQ Hamilton
Employees 1,299
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$15
$28
$52
Current: $50.54 -45% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$585.7M
7.3%%
Interest Expense
$234.5M
Net Interest Income
$351.2M
-4.3%%
Total Revenue
$607.0M
4.3%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
21.2%
Excellent

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$224.4M
103.7% of Net Income

Where It Leaks

Cash Flow Health some concerns
Moderate efficiency issues detected. Review active leaks below for improvement areas.
1
Active Leaks
0/1
Improving
1
High Impact
0
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Bank of N.T. Butterfield & Son 's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
75
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
57
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing NTB's balance between Growth (10.8%), Profitability (44.0%), and Safety (45.2%). Growth 11% Safety 45% Profitability 44%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

22th percentile vs peers
23
Key Signals
Rev Growth YoY 4.3% 46p Revenue CAGR 3Y 3.2% 12p Asset Growth YoY -1.0% 3p
Strengths
  • Roe in top 20% of peers (21.4%, 93th percentile)
  • Roa in top 20% of peers (1.6%, 96th percentile)
  • Operating Margin in top 20% of peers (39.2%, 84th percentile)
Risks
  • Asset Growth Yoy in bottom 20% of peers (-1.0%)
  • Growth below peer median (percentile: 22)

Profitability

92th percentile vs peers
93
Key Signals
Strengths
Risks
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Safety

95th percentile vs peers
95
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Bank of N.T. Butterfield & Son .

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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Bear
-
- - -
- upside
-
Base
$27.63
- - -
-45.3% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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