Sifting through countless of stocks in the Banks industry can be tedious, and sometimes two stocks are just too similar to judge which is the better investment. If you’re on the fence about investing in The Bank of N.T. Butterfield & Son Limited, Customers Bancorp or Inc. because you’re not sure how they measure up, it’s important to compare them on a few factors before making your decision.

Read on to learn how The Bank of N.T. Butterfield & Son Limited, Customers Bancorp and Inc. compare based on key financial metrics to determine which better meets your investment needs.

About The Bank of N.T. Butterfield & Son Limited, Customers Bancorp and Inc.

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 accepts retail and corporate checking, savings, term, and interest bearing and non-interest-bearing deposits. Its lending portfolio includes residential mortgage lending, automobile lending, consumer financing, credit cards, overdraft facilities, commercial real estate lending, and commercial and industrial loans, as well as overdraft facilities to commercial and corporate customers. The company also offers investment products and services; and cash and liquidity management, foreign exchange, custody administration, and settlement services. In addition, it provides consumer and mortgage lending services; personal and property/auto insurance products; letters of credit; and cash management, payroll, remote banking, money market, advisory, brokerage, trust, estate, company management, treasury, wealth management, and fiduciary services. Further, it offers debit and credit cards; automated teller machines; and personal and business deposit, merchant acquiring, residential and commercial mortgages, and mobile and internet banking services. The company 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.

Customers Bancorp, Inc. operates as the bank holding company for Customers Bank that provides banking products and services. The company provides deposit banking products, which includes commercial and consumer checking, non-interest-bearing and interest-bearing demand, MMDA, savings, and time deposit accounts, as well as individual retirement accounts and non-retail time deposits consisting of jumbo certificates. Its lending business offers commercial and industrial, commercial real estate, and multifamily and residential mortgage loans; SBA lending; mortgage financing; specialty lending includes fund finance, real estate specialty finance, technology and venture, and healthcare and financial institutions group; commercial loans to mortgage companies, and commercial equipment financing; fund finance, such as variable rate loans secured by collateral pools to private debt funds; and cash management services. In addition, the company provides digital banking, such as Banking-as-a-Service to fintech companies; payments and treasury services to businesses; consumer loans through fintech companies; and the TassatPay, an instant blockchain-based digital payments platform which offers instant payments, including over-the-counter desks, exchanges, liquidity providers, market makers, funds, and other B2B verticals. Further, it offers mobile phone and internet banking, wire transfers, electronic bill payment, lock box, remote deposit capture, courier, merchant processing, cash vault, controlled disbursements, positive pay, and cash management services comprising account reconciliation, collections, and sweep accounts. The company was founded in 1997 and is headquartered in West Reading, Pennsylvania.

Latest Banks and The Bank of N.T. Butterfield & Son Limited, Customers Bancorp, Inc. Stock News

As of December 11, 2025, The Bank of N.T. Butterfield & Son Limited had a $2.1 billion market capitalization, compared to the Banks median of $519.0 million. The Bank of N.T. Butterfield & Son Limited’s stock is NA in 2025, NA in the previous five trading days and up 38.32% in the past year.

Currently, The Bank of N.T. Butterfield & Son Limited’s price-earnings ratio is 9.7. The Bank of N.T. Butterfield & Son Limited’s trailing 12-month revenue is $599.5 million with a 38.0% net profit margin. Year-over-year quarterly sales growth most recently was 7.4%. Analysts expect adjusted earnings to reach $5.533 per share for the current fiscal year. The Bank of N.T. Butterfield & Son Limited currently has a 3.9% dividend yield.

Currently, Customers Bancorp, Inc.’s price-earnings ratio is 14.7. Customers Bancorp, Inc.’s trailing 12-month revenue is $652.0 million with a 27.1% net profit margin. Year-over-year quarterly sales growth most recently was 37.1%. Analysts expect adjusted earnings to reach $7.564 per share for the current fiscal year. Customers Bancorp, Inc. does not currently pay a dividend.

How We Compare The Bank of N.T. Butterfield & Son Limited, Customers Bancorp and Inc. Stock Grades

Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movements. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors streamline and work through such data.

AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings estimate revisions and quality. Here, we’ll take a closer look at The Bank of N.T. Butterfield & Son Limited, Customers Bancorp and Inc.’s stock grades to see how they measure up against one another.

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The Bank of N.T. Butterfield & Son Limited, Customers Bancorp and Inc. Growth Grades

Company	Ticker	Growth
The Bank of N.T. Butterfield & Son Limited	NTB	B
Customers Bancorp, Inc.	CUBI	D

The foundation of growth investing is seeking out stocks of companies exhibiting strong, consistent and prolonged growth that is expected to continue into the future.

In order to compute the growth score and assign it a letter grade, the percentile ranks for each of three components‐consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations‐must be determined. These three rank figures are added together, and the sum is ranked against the entire stock universe to arrive at a company’s Growth Score to create an equal distribution of grades.

The companies in the bottom 20% of the stock universe receive Growth Grades of F, considered to be very weak, while those in the top 20% receive A grades, which are considered very strong.

The Bank of N.T. Butterfield & Son Limited has a Growth Score of 75, which is Strong. Customers Bancorp, Inc. has a Growth Score of 21, which is Weak.

The Growth Grade Winner: The Bank of N.T. Butterfield & Son Limited

As you can clearly see from the Growth Grade breakdown above, The Bank of N.T. Butterfield & Son Limited has a more attractive growth grade than Customers Bancorp, Inc.. For investors who focus solely on how a company is growing relative to other companies in the same industry, The Bank of N.T. Butterfield & Son Limited could be a good stock to add to their portfolio. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

The Bank of N.T. Butterfield & Son Limited, Customers Bancorp and Inc.’s Quality Grades

Company	Ticker	Quality
The Bank of N.T. Butterfield & Son Limited	NTB	C
Customers Bancorp, Inc.	CUBI	F

Like the Value Grade, AAII’s A+ Investor Quality Grade comes from the percentile rank of key metrics. Specifically, the Quality Score is the percentile rank of the average of the percentile ranks of return on assets (ROA), return on invested capital (ROIC), gross profit relative to assets, buyback yield, change in total liabilities to assets, accruals, Z double prime bankruptcy risk (Z) score and the F-Score.

The score is variable, meaning it can consider all eight measures or, should any of the eight measures not be valid, the remaining measures that are valid. To be assigned a Quality Score, stocks must have a valid (non-null) measure and corresponding ranking for at least four of the eight quality measures.

The Quality Score is used to assess the underlying “quality” of a particular stock. A higher-quality stock possesses traits associated with upside potential and reduced downside risk. Backtesting of the Quality Grade shows that stocks with higher grades, on average, outperformed stocks with lower grades over the period of 1998 through 2019.

Stocks receive better grades (higher scores) for having higher scores for the quality subcomponents and worse grades (lower scores) for lower scores for the subcomponents.

The Bank of N.T. Butterfield & Son Limited has a Quality Score of 42, which is Average. Customers Bancorp, Inc. has a Quality Score of 7, which is Very Weak.

The Quality Stock Winner: No Clear Winner

Neither The Bank of N.T. Butterfield & Son Limited, Customers Bancorp or Inc. has a high enough Quality Grade to be considered a “winner.” Investors who are considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolios. It’s important to look at a wide range of financial metrics in order to determine if The Bank of N.T. Butterfield & Son Limited, Customers Bancorp or Inc. is the better investment when it comes to quality.

The Bank of N.T. Butterfield & Son Limited, Customers Bancorp and Inc.’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
The Bank of N.T. Butterfield & Son Limited	NTB	C
Customers Bancorp, Inc.	CUBI	B

Earnings estimate revisions scores consider the magnitude of a company’s earnings surprise in its last two reported fiscal quarters. Often, positive surprises beget further positive surprises‐or at least continued sales growth (the exact opposite is generally true, too).

Estimate revisions offer an indication of what analysts are thinking about the short-term prospects of a firm. Estimate revisions are based on the statistical significance of a firm’s last two quarterly earnings surprises and the percentage change in its consensus estimate for the current fiscal year over the past month and past three months.

The Bank of N.T. Butterfield & Son Limited has a Earnings Estimate Score of 60, which is Neutral. Customers Bancorp, Inc. has a Earnings Estimate Score of 80, which is Positive.

The Earnings Estimate Revisions Grade Winner: Customers Bancorp, Inc.

As you can clearly see from the Earnings Estimate Revisions Grade breakdown above, Customers Bancorp, Inc. has a better Earnings Estimate Revisions Grade than The Bank of N.T. Butterfield & Son Limited. For those who are specifically looking for companies with better short-term prospects when compared to other companies in the same industry, Customers Bancorp, Inc. could be a good stock to invest in. However, it’s important to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Other The Bank of N.T. Butterfield & Son Limited, Customers Bancorp and Inc. Grades

In addition to Quality, Estimate Revisions and Growth, A+ Investor also provides grades for Value and Momentum.

Momentum grades help uncover stocks experiencing anomalously high rates of return; research finds that stocks with high relative levels of momentum tend to outperform, whereas those with low levels of momentum tend to continue underperforming.

Successful stock investing involves buying low and selling high, so stock valuation is an important consideration for stock selection. Buying stocks that are going to go up typically means buying stocks that are undervalued in the first place, although momentum investors may argue that point.

These 2 key factors, when combined with the above, provide a holistic view into a particular stock. Further, by joining A+ Investor you can see whether The Bank of N.T. Butterfield & Son Limited, Customers Bancorp and Inc. pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, The Bank of N.T. Butterfield & Son Limited, Customers Bancorp or Inc. Stock?

Overall, The Bank of N.T. Butterfield & Son Limited stock has a Growth Score of 75, Estimate Revisions Score of 60 and Quality Score of 42.

Customers Bancorp, Inc. stock has a Growth Score of 21, Estimate Revisions Score of 80 and Quality Score of 7.

Comparing The Bank of N.T. Butterfield & Son Limited, Customers Bancorp and Inc.’s grades, scores and metrics can act as a solid basis to determine whether they may be a good investment or not. You’ll also want to look at your portfolio’s asset allocation as well as your risk tolerance and financial goals to see if either of these stocks would make a good fit for you. AAII can help you figure out which investments align with your individual needs and preferences.

Investors are encouraged to do their own due diligence and research. In this way, individuals can effectively become managers of their own assets‐without having to rely on others for financial independence. You can count on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis.

A+ Investor adds to our qualitative teaching with a powerful data suite to help you whittle down investment choices to find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.

AAII Disclaimer

We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because past, hypothetical or simulated performance is not necessarily indicative of future results. Before making an investment decision, you should consider your circumstances and whether the information on our content is applicable to your situation. This information was prepared in good faith, and we accept no liability for any errors or omissions. The full disclaimer can be read here.