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Bank of N.T. Butterfield & Son (NTB) Stock Analysis

Range Bound setup

HoldModerate Confidence

Financial Services · Banks - Diversified

Hold if already holding. Not a fresh buy at $55.54, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (4.0% away).

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

$55.54+2.1% A.UpsideScore 5.7/10#10 of 19 Banks - Diversified
Stop $53.20Target $56.68(resistance)A.R:R -2.0:1
Analyst target$57.33+3.2%3 analysts
$56.68our TP
$55.54price
$57.33mean
$58

Hold if already holding. Not a fresh buy at $55.54, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (4.0% away). Chart setup: RSI 46 mid-range, Bollinger mid-band. Maintain position. Not compelling to add more. Score 5.7/10, moderate confidence.

Passes 4/6 gates (clean insider activity, no SEC red flags, earnings proximity 88d clear, semi cycle peak clear). Fails on weak momentum and favorable risk/reward ratio. Suitability: aggressive.

Thesis

Rewards
Strong earnings beat streak (4/4)
Attractive valuation
Margin of safety: 37%
Risks
Analyst target reached - limited upside remaining
Near 52-week high (4.0% away)
Negative momentum

Key Metrics

P/E (TTM)9.5
P/E (Fwd)8.4
Mkt Cap$2.2B
EV/EBITDA
Profit Mgn39.3%
ROE22.0%
Rev Growth4.3%
Beta
Dividend3.66%
Rating analysts7

Quality Signals

Piotroski F8/9

Options Flow

P/C0.67bullish
IV77%elevated
Max Pain$45-19.0% vs spot

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

1 floor-breaker

Momentum below the gate floor. Component breakdown shows what dragged the score down.static

Macd
0.0
Volume
0.0
Obv
1.0
Rsi
5.5
Ma Position
6.0
Volume distribution (falling OBV)Above 200-day MA
GatesMomentum 2.5<4.5A.R:R -2.0=NEGATIVEInsider activity: OKNo SEC red flagsEARNINGS PROXIMITY 88d clearSEMI CYCLE PEAK CLEARRange BoundSuitability: Aggressive
RSI
46 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $52.17Resistance $57.84

Price Targets

$53
$57
A.Upside+2.1%
A.R:R-2.0:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeCautious

Risk Alerts

! Target reached (-12.3% upside)
! Momentum score 2.5/10 — below 4.5 minimum
! Negative risk/reward — downside exceeds upside

Earnings

B
B
B
B
4/4 beats
Next Earnings2026-07-27 (88d)

Verdict History

reverse chrono — latest first
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Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is NTB stock a buy right now?

Hold if already holding. Not a fresh buy at $55.54, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (4.0% away). Chart setup: RSI 46 mid-range, Bollinger mid-band. Maintain position. Not compelling to add more. Target $56.68 (+2.1%), stop $53.20 (−4.4%), A.R:R -2.0:1. Score 5.7/10, moderate confidence.

What is the NTB stock price target?

Take-profit target: $56.68 (+2.1% upside). Target $56.68 (+2.1%), stop $53.20 (−4.4%), A.R:R -2.0:1. Stop-loss: $53.20.

What are the risks of investing in NTB?

Analyst target reached - limited upside remaining; Near 52-week high (4.0% away); Negative momentum.

Is NTB overvalued or undervalued?

Bank of N.T. Butterfield & Son trades at a P/E of 9.5 (forward 8.4). TrendMatrix value score: 7.9/10. Verdict: Hold.

What do analysts say about NTB?

7 analysts cover NTB with a consensus score of 3.7/5. Average price target: $57.

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.

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