Bank of N.T. Butterfield offers attractive valuation at a forward price-to-earnings ratio of 8.3x and a PEG ratio of 0.34, with a perfect 4-quarter earnings beat streak and strong margins of 39%, but the stock has reached its analyst target and the negative asymmetry ratio leaves little room for new capital deployment.
Thesis pillars
- Attractive Valuation Low Peg↑Improving
- Perfect Earnings Beat Streak Banking↓Deteriorating
- Strong Margins Superior Peer Rank→Stable
- +1 more pillar — see the Why tab for full reasoning
Pillars as of Jul 3, 2026· older than 90 days
Bank of N.T. Butterfield & Son (NTB) Stock Analysis
Financial Services · Banks - Diversified
Hold if already holding. Not a fresh buy at $54.97, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Weak growth.
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... Read more
Hold if already holding. Not a fresh buy at $54.97, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Weak growth. Chart setup: No clear chart pattern; technical signals are mixed. Maintain position. Not compelling to add more. Score 5.5/10, moderate confidence.
Passes 4/7 gates (no SEC red flags, earnings proximity 96d clear, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum and favorable risk/reward ratio and clean insider activity. Suitability: aggressive.
Recent developments
updated Oct 27, 2026Recent Developments — Bank of N.T. Butterfield & Son
Latest news
- NEWS Bank of N.T. Butterfield & Son Q3 Core Earnings, Revenue Rise - Yahoo Finance — Yahoo Finance Oct 27, 2026 positive
- NEWS Bank of NT Butterfield & Son (NTB) Tops Q3 Earnings and Revenue Estimates - Yahoo Finance — Yahoo Finance Oct 27, 2026 positive
- NEWS Bank of N.T. Butterfield & Son (NYSE:NTB) Announces Quarterly Earnings Results - MarketBeat — MarketBeat Oct 27, 2026 neutral
- NEWS Earnings Flash (NTB) Bank of N.T. Butterfield & Son Posts Q3 Net Revenue of $162 Million, vs. FactSet Est. of $160.9 Mil — marketscreener.com Oct 27, 2026 positive
- NEWS BANK OF NT BUTTERFIELD & SON ($NTB) Releases Q3 2026 Earnings - Quiver Quantitative — Quiver Quantitative Oct 27, 2026 neutral
Latest item Oct 27, 2026 · Generated 2026-11-04T11:54:38Z.
Upcoming dated catalysts
Thesis
Key Metrics
Quality Signals
Options Flow
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. How we score · Editorial policy
Show full disclosure ▾Hide full disclosure ▴
About TrendMatrix. TrendMatrix is a publisher of general securities research and market commentary. We publish on a regular schedule. All content is the same for every subscriber in a tier — we do not provide personalized investment advice and we do not take into account any individual subscriber's financial situation, investment objectives, risk tolerance, tax situation, or holdings.
Not investment advice. TrendMatrix is not a registered investment adviser. Our content is for informational and educational purposes only. Consult your own licensed investment adviser, broker, or tax professional before making any investment decision.
Conflicts and positions. People who build TrendMatrix, or entities they control, may hold positions, long or short, in securities it covers, and may trade them at any time. Positions are not disclosed individually. Verdicts are generated by an automated model applied by the same rules to every covered stock, and are not adjusted for any position held by the people who build TrendMatrix. We do not accept payment from issuers for coverage.
No paid promotion. TrendMatrix does not accept payment from any issuer, broker, or third party in exchange for coverage of any security.
No fiduciary duty. No fiduciary, advisory, or agency relationship is created between you and TrendMatrix by reading our content or subscribing to our service.
Performance. Past performance is not indicative of future results. Performance figures reflect the published model only and do not reflect any individual subscriber's actual results.
Rating Breakdown
2 floor-breakers·1 ceiling hit
Price action weak — below key moving averages, no momentum carry. Needs a base before trend-continuation setups apply.static
Growth below the gate floor. Component breakdown shows what dragged the score down.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Hold if already holding. Not a fresh buy at $54.97, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Weak growth. Chart setup: No clear chart pattern; technical signals are mixed. Maintain position. Not compelling to add more. Analyst target $56.10 (+2.1%), stop $53.04 (−3.6%), A.R:R 0.4:1. Score 5.5/10, moderate confidence.
Analyst target: $56.10 (+2.1% upside). Analyst target $56.10 (+2.1%), stop $53.04 (−3.6%), A.R:R 0.4:1. Stop-loss: $53.04.
Analyst target reached - limited upside remaining; Weak growth; Negative momentum.
Bank of N.T. Butterfield & Son trades at a P/E of 9.6 (forward 7.5). TrendMatrix value score: 8.3/10. Verdict: Hold.
7 analysts rate NTB, with a consensus score of 3.7/5. 3 analysts publish price targets averaging $66.
What does Bank of N.T. Butterfield & Son do?The Bank of N.T. Butterfield & Son Limited provides a range of community, commercial, and private banking services to...
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.