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 Synovus Financial Corp. 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 Synovus Financial Corp. and The Bank of N.T. Butterfield & Son Limited compare based on key financial metrics to determine which better meets your investment needs.

About Synovus Financial Corp. and The Bank of N.T. Butterfield & Son Limited

Synovus Financial Corp. operates as the bank holding company for Synovus Bank that provides commercial and consumer banking products and services in the United States. It operates in four segments: Wholesale Banking, Community Banking, Consumer Banking, and Financial Management Services. The company provides commercial banking services, including commercial, financial, real estate lending, treasury management, asset management, capital markets services, and institutional trust services; consumer banking services, such as accepting customary types of demand and savings deposit accounts, mortgage, installment, and other consumer loans, investment and brokerage services, safe deposit services, automated banking services; automated fund transfers, internet-based banking services, and bank credit and debit card services. It also engages in portfolio management for fixed-income securities investment banking; the execution of securities transactions as a broker/dealer; and the provision of individual investment advice on equity and other securities, and financial planning services. The company was founded in 1888 and is headquartered in Columbus, Georgia.

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 Synovus Financial Corp., The Bank of N.T. Butterfield & Son Limited Stock News

As of December 10, 2025, Synovus Financial Corp. had a $7.3 billion market capitalization, compared to the Banks median of $518.7 million. Synovus Financial Corp.’s stock is up 3.9% in 2025, up 6% in the previous five trading days and down 5.59% in the past year.

Currently, Synovus Financial Corp.’s price-earnings ratio is 9.8. Synovus Financial Corp.’s trailing 12-month revenue is $2.3 billion with a 34.9% net profit margin. Year-over-year quarterly sales growth most recently was 9.7%. Analysts expect adjusted earnings to reach $5.615 per share for the current fiscal year. Synovus Financial Corp. currently has a 3.0% 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% in 2025, up 5.5% 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 Synovus Financial Corp. 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 Synovus Financial Corp. 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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Synovus Financial Corp. and The Bank of N.T. Butterfield & Son Limited’s Quality Grades

Company	Ticker	Quality
Synovus Financial Corp.	SNV	D
The Bank of N.T. Butterfield & Son Limited	NTB	C

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.

Synovus Financial Corp. has a Quality Score of 25, which is Weak. The Bank of N.T. Butterfield & Son Limited has a Quality Score of 42, which is Average.

The Quality Stock Winner: No Clear Winner

Neither Synovus Financial Corp. or The Bank of N.T. Butterfield & Son Limited 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 Synovus Financial Corp. or The Bank of N.T. Butterfield & Son Limited is the better investment when it comes to quality.

Synovus Financial Corp. and The Bank of N.T. Butterfield & Son Limited’s Momentum Grades

Company	Ticker	Momentum
Synovus Financial Corp.	SNV	C
The Bank of N.T. Butterfield & Son Limited	NTB	B

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%.

Synovus Financial Corp. has a Momentum Score of 43, which is Average. The Bank of N.T. Butterfield & Son Limited has a Momentum Score of 73, which is Strong.

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 Synovus Financial Corp.. 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.

Synovus Financial Corp. and The Bank of N.T. Butterfield & Son Limited’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
Synovus Financial Corp.	SNV	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.

Synovus Financial Corp. has a Earnings Estimate Score of 74, 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: Synovus Financial Corp.

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

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

Growth investing builds on the idea that stocks of companies exhibiting strong, consistent and prolonged growth outperform those of slower-growth companies. AAII measures growth through consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations.

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 Synovus Financial Corp. 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, Synovus Financial Corp. or The Bank of N.T. Butterfield & Son Limited Stock?

Overall, Synovus Financial Corp. stock has a Momentum Score of 43, Estimate Revisions Score of 74 and Quality Score of 25.

The Bank of N.T. Butterfield & Son Limited stock has a Momentum Score of 73, Estimate Revisions Score of 60 and Quality Score of 42.

Comparing Synovus Financial Corp. 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.