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, First Financial Bankshares 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, First Financial Bankshares 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, First Financial Bankshares 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.

First Financial Bankshares, Inc., through its subsidiaries, provides banking services in the United States. The company offers general commercial banking services, including checking, savings and time deposits, loans, automated teller machines, drive-in and night deposit services, safe deposit facilities, remote deposit capture, internet banking, mobile banking, payroll cards, funds transfer, and other customary commercial banking service. It also provides personal trust services, such as wealth management; administration of estates, oil and gas management; farm and ranch; property management; testamentary trusts; revocable and irrevocable trusts; and agency accounts. In addition, the company offers commercial and industrial; municipal; agricultural; construction and development; farm; residential; consumer auto and non-auto; and non-owner occupied and owner occupied commercial real estate loans. Further, it provides advice and specialized services related to lending, investing, purchasing, advertising, public relations, and technology services. First Financial Bankshares, Inc. was founded in 1890 and is headquartered in Abilene, Texas.

Latest Banks and The Bank of N.T. Butterfield & Son Limited, First Financial Bankshares, Inc. Stock News

As of December 9, 2025, The Bank of N.T. Butterfield & Son Limited had a $2.0 billion market capitalization, compared to the Banks median of $504.9 million. The Bank of N.T. Butterfield & Son Limited’s stock is up 37.9% in 2025, up 4.4% in the previous five trading days and up 30.5% in the past year.

Currently, The Bank of N.T. Butterfield & Son Limited’s price-earnings ratio is 9.3. 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 4.1% dividend yield.

As of December 9, 2025, First Financial Bankshares, Inc. had a $4.4 billion market cap, putting it in the 67th percentile of all stocks. First Financial Bankshares, Inc.’s stock is down 12.5% in 2025, down 0.3% in the previous five trading days and down 24.68% in the past year.

Currently, First Financial Bankshares, Inc.’s price-earnings ratio is 18.4. First Financial Bankshares, Inc.’s trailing 12-month revenue is $581.9 million with a 41.7% net profit margin. Year-over-year quarterly sales growth most recently was 2.6%. Analysts expect adjusted earnings to reach $1.740 per share for the current fiscal year. First Financial Bankshares, Inc. currently has a 2.4% dividend yield.

How We Compare The Bank of N.T. Butterfield & Son Limited, First Financial Bankshares 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, First Financial Bankshares 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, First Financial Bankshares and Inc. Stock Value Grades

Company	Ticker	Value
The Bank of N.T. Butterfield & Son Limited	NTB	B
First Financial Bankshares, Inc.	FFIN	D

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.

AAII’s A+ Investor Value Grade derives from a stock’s value score. The Value Score is the percentile rank of the average of the percentile ranks of the price-to-sales ratio, price-earnings ratio, enterprise-value-to-EBITDA (EV/EBITDA) ratio, shareholder yield, price-to-book-value ratio and price-to-free-cash-flow ratio. The score is variable, meaning it can consider all six ratios or, should any of the six ratios not be valid, the remaining ratios that are valid. To be assigned a Value Score, stocks must have a valid (non-null) ratio and corresponding ranking for at least two of the six valuation ratios.

Stocks with a Value Score from 81 to 100 are considered deep value, those with a score between 61 and 80 are a good value and so on.

The Bank of N.T. Butterfield & Son Limited has a Value Score of 77, which is Value. First Financial Bankshares, Inc. has a Value Score of 38, which is Expensive.

The Value Stock Winner: The Bank of N.T. Butterfield & Son Limited

As you can clearly see from the Value Grade breakdown above, The Bank of N.T. Butterfield & Son Limited is considered to have better value than First Financial Bankshares, Inc.. For investors who focus solely on a company’s valuation, 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, First Financial Bankshares and Inc. Growth Grades

Company	Ticker	Growth
The Bank of N.T. Butterfield & Son Limited	NTB	B
First Financial Bankshares, Inc.	FFIN	A

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. First Financial Bankshares, Inc. has a Growth Score of 97, which is Very Strong.

The Growth Grade Winner: First Financial Bankshares, Inc.

As you can clearly see from the Growth Grade breakdown above, First Financial Bankshares, Inc. has a more attractive growth grade than The Bank of N.T. Butterfield & Son Limited. For investors who focus solely on how a company is growing relative to other companies in the same industry, First Financial Bankshares, Inc. 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, First Financial Bankshares and Inc.’s Momentum Grades

Company	Ticker	Momentum
The Bank of N.T. Butterfield & Son Limited	NTB	B
First Financial Bankshares, Inc.	FFIN	D

Momentum grades help to 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. Momentum is based on the price change of a stock over a specified period relative to all other stocks.

Typically, AAII looks at the weighted relative strength over the trailing four quarters. The weighted four-quarter relative strength rank is the relative price change for each of the past four quarters. The most recent quarterly price change is given a weight of 40% and each of the three previous quarters are given a weighting of 20%.

The Bank of N.T. Butterfield & Son Limited has a Momentum Score of 71, which is Strong. First Financial Bankshares, Inc. has a Momentum Score of 21, which is Weak.

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

As you can clearly see from the Momentum Grade breakdown above, The Bank of N.T. Butterfield & Son Limited is considered to have stronger momentum compared to First Financial Bankshares, Inc.. For those specifically looking for companies that have stronger momentum compared to other companies in the same industry, The Bank of N.T. Butterfield & Son Limited could be a good stock to invest in. However, it’s important for investors 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, First Financial Bankshares and Inc. Grades

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

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

AAII’s A+ Investor Quality Grade comes from the ranking of key metrics. Specifically, the quality grade is the percentile rank of the composite 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 F-Score.

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, First Financial Bankshares 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, First Financial Bankshares or Inc. Stock?

Overall, The Bank of N.T. Butterfield & Son Limited stock has a Value Score of 77, Growth Score of 75 and Momentum Score of 71.

First Financial Bankshares, Inc. stock has a Value Score of 38, Growth Score of 97 and Momentum Score of 21.

Comparing The Bank of N.T. Butterfield & Son Limited, First Financial Bankshares 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.