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 NBT Bancorp Inc. or The Bank of N.T. Butterfield & Son Limited 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 NBT Bancorp Inc. and The Bank of N.T. Butterfield & Son Limited compare based on key financial metrics to determine which better meets your investment needs.

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

NBT Bancorp Inc., a financial holding company, provides commercial banking, retail banking, and wealth management services. Its deposit products include demand deposit, savings, negotiable order of withdrawal, money market deposit, and certificate of deposit accounts. The company’s loan portfolio comprises indirect and direct consumer, home equity, mortgages, business banking loans, and commercial loans; commercial and industrial, commercial real estate, agricultural, and commercial construction loans; and residential real estate loans. It also provides trust and investment services; financial planning and life insurance services; and retirement plan administration and record keeping services. In addition, the company offers insurance products comprising personal property and casualty, business liability, and commercial insurance, as well as other products and services through 24-hour online, mobile, and telephone channels that enable customers to check balances, make deposits, transfer funds, pay bills, access statements, apply for loans, and access various other products and services. Further, it operates as a property management and passive investment company, as well as investment advisor that provides investment management and financial consulting services. The company operates in New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont, southern Maine, and central and northwestern Connecticut. NBT Bancorp Inc. was founded in 1856 and is headquartered in Norwich, New York.

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.

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

As of December 10, 2025, NBT Bancorp Inc. had a $2.3 billion market capitalization, compared to the Banks median of $518.7 million. NBT Bancorp Inc.’s stock is down 8% in 2025, up 5.1% in the previous five trading days and down 12.55% in the past year.

Currently, NBT Bancorp Inc.’s price-earnings ratio is 14.5. NBT Bancorp Inc.’s trailing 12-month revenue is $629.7 million with a 23.8% net profit margin. Year-over-year quarterly sales growth most recently was 26.6%. Analysts expect adjusted earnings to reach $3.698 per share for the current fiscal year. NBT Bancorp Inc. currently has a 3.4% dividend yield.

As of December 10, 2025, The Bank of N.T. Butterfield & Son Limited had a $2.0 billion market cap, putting it in the 56th percentile of all stocks. The Bank of N.T. Butterfield & Son Limited’s stock is up 40.1% in 2025, up 5.6% in the previous five trading days and up 33.84% in the past year.

Currently, The Bank of N.T. Butterfield & Son Limited’s price-earnings ratio is 9.6. 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 4.0% dividend yield.

How We Compare NBT Bancorp Inc. and The Bank of N.T. Butterfield & Son Limited 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 NBT Bancorp Inc. and The Bank of N.T. Butterfield & Son Limited’s stock grades to see how they measure up against one another.

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NBT Bancorp Inc. and The Bank of N.T. Butterfield & Son Limited Stock Value Grades

Company	Ticker	Value
NBT Bancorp Inc.	NBTB	C
The Bank of N.T. Butterfield & Son Limited	NTB	B

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.

NBT Bancorp Inc. has a Value Score of 46, which is Average. The Bank of N.T. Butterfield & Son Limited has a Value Score of 76, which is Value.

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 NBT Bancorp 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.

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

Company	Ticker	Growth
NBT Bancorp Inc.	NBTB	A
The Bank of N.T. Butterfield & Son Limited	NTB	B

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.

NBT Bancorp Inc. has a Growth Score of 81, which is Very Strong. The Bank of N.T. Butterfield & Son Limited has a Growth Score of 75, which is Strong.

The Growth Grade Winner: NBT Bancorp Inc.

As you can clearly see from the Growth Grade breakdown above, NBT Bancorp 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, NBT Bancorp 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.

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

Company	Ticker	Earnings Estimate
NBT Bancorp Inc.	NBTB	B
The Bank of N.T. Butterfield & Son Limited	NTB	C

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.

NBT Bancorp Inc. has a Earnings Estimate Score of 61, which is Positive. The Bank of N.T. Butterfield & Son Limited has a Earnings Estimate Score of 60, which is Neutral.

The Earnings Estimate Revisions Grade Winner: NBT Bancorp Inc.

As you can clearly see from the Earnings Estimate Revisions Grade breakdown above, NBT 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, NBT 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 NBT Bancorp Inc. and The Bank of N.T. Butterfield & Son Limited Grades

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

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.

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 NBT Bancorp Inc. and The Bank of N.T. Butterfield & Son Limited pass any of our 60+ stock screens that have outperformed the market since their creation.

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

Overall, NBT Bancorp Inc. stock has a Value Score of 46, Growth Score of 81 and Estimate Revisions Score of 61.

The Bank of N.T. Butterfield & Son Limited stock has a Value Score of 76, Growth Score of 75 and Estimate Revisions Score of 60.

Comparing NBT Bancorp Inc. and The Bank of N.T. Butterfield & Son Limited’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.