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Bank of NT Butterfield & Son (NTB) Stock Price & Analysis
NTB Stock Chart & Stats
- Day’s Range
- $54.68 - $56.43
- 52-Week Range
- $44.36 - $64.17
- Previous Close
- $56.38
- Volume
- N/A
- Average Volume (3M)
- 158.90K
- Market Cap
- $2.22B
- Enterprise Value
- $1.25B
- Total Cash (Recent Filing)
- $1.13B
- Total Debt (Recent Filing)
- $38.61M
- Price to Earnings (P/E)
- 9.4
- Beta
- 0.53
- Next Earnings
- Feb 15, 2027 (Est.)
- EPS Estimate
- 1.6
- Next Dividend Ex-Date
- Nov 10, 2026
- Dividend Yield
- 3.64%
Bulls Say, Bears Say
Bulls Say
Strong Profitability And Cash Generation
Butterfield is converting a high level of profitability into substantial cash, supporting internal funding, dividends, and balance-sheet resilience. Consistently strong returns on equity also indicate that the bank is using its capital productively, strengthening earnings quality over the next several quarters.
Diversified And Resilient Fee Income
A 40% fee-based contribution reduces reliance on lending spreads and interest-rate conditions, giving Butterfield a broader earnings base. Wealth, fiduciary, banking, and foreign-exchange activity can support revenue stability when loan yields or deposit pricing create pressure on net interest income.
Strategic Caribbean Expansion
The planned acquisition offers a structural opportunity to expand Butterfield’s geographic footprint, deposits, and customer relationships across attractive Caribbean markets. Greater scale may improve investment capacity and market position, while management identifies opportunities in retail, mortgages, payments, and non-credit services.
Bears Say
Weak Top-line Momentum
Revenue contraction shows that strong margins are not currently being matched by broad-based top-line growth. If this persists, it could limit operating leverage and make future earnings increasingly dependent on cost control, portfolio mix, and favorable interest-rate or fee-income conditions.
Expected Deposit Outflow
The anticipated deposit reduction will make the balance sheet approximately $500 million smaller and may reduce the funding base available for earning assets. Management expects liquidity to remain unaffected and asset repricing to offset pressure, but the outflow still narrows near-term growth capacity.
Rising Nonaccrual Loans
The increase in nonaccrual loans signals greater credit stress in parts of the residential real-estate portfolio, particularly the Channel Islands and UK segment. Although management says exposures are well secured and expects no losses, continued deterioration could raise provisions or reduce future lending returns.
Bank of NT Butterfield & Son News
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Bank of NT Butterfield & Son Stock Smart Score
Company Description
Bank of NT Butterfield & Son
The Bank of N.T. Butterfield & Son Limited provides a range of community, commercial, and private banking services to individuals and small to medium-sized businesses. The company offers retail and corporate checking, savings, and term deposits. It also provides lending products and services, including residential mortgage lending, automobile lending, credit cards, consumer financing, overdraft facilities to retail customers, commercial real estate lending, and commercial and industrial loans. In addition, the company offers cash and liquidity management, foreign exchange, custody administration, and settlement services. Further, it provides personal and business deposit services, residential and commercial mortgages, small and medium-sized enterprise and corporate loans, credit and debit cards, merchant acquiring, and mobile and internet banking services; and treasury services, wealth management, and fiduciary services. Additionally, the company offers discretionary investment management, managed portfolio services, money market, and mutual fund offerings, as well as advisory and self-directed brokerage options. It operates through offices in the Cayman Islands, Guernsey, Jersey, the United Kingdom, The Bahamas, Hong Kong, Switzerland, Singapore, Mauritius, and Canada, as well as Bermuda. The Bank of N.T. Butterfield & Son Limited was founded in 1784 and is headquartered in Hamilton, Bermuda.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Michael Collins
- Employees
- 1,299
- Website
- www.butterfieldgroup.com
- Address
- 65 Front Street, Hamilton, HM, HM 12, BM
Bank of NT Butterfield & Son (NTB) Earnings & Revenues
NTB Company Deck
NTB Earnings Call
Earnings Call SentimentPositive
The call was broadly positive. Strong profitability, improving net interest income and non-interest income, conservative asset quality, capital strength, and an acquisition that remains on track significantly outweighed the identified challenges, including the expected $500 million deposit outflow, higher expenses, increased nonaccrual loans, unrealized investment losses, and pressure on loan yields.
View all NTB earnings summariesNTB Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 6 | 1 | 15 |
| Technical Analysis | 6 | 1 | 3 |
| Moving Averages | 0 | 0 | 12 |
