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

About First Busey Corporation and The Bank of N.T. Butterfield & Son Limited

First Busey Corporation operates as the bank holding company for Busey Bank that engages in the provision of retail and commercial banking products and services to individual, corporate, institutional, and governmental customers in the United States. It operates through three segments: Banking, Wealth Management, and FirsTech. The company offers demand and savings deposits, money transfers, safe deposit services, individual retirement accounts and other fiduciary services, automated teller machines, and technology-based networks, as well as various loan products, including residential real estate, home equity lines of credit, and consumer loans to individual customers; and commercial, commercial real estate, real estate construction, and agricultural loans, as well as cash management services to corporate customers. It also provides asset management, investment, brokerage, fiduciary, philanthropic advisory, tax preparation, and farm management services; trust and estate advisory services and financial planning; succession planning and employee retirement plan; and investment strategy consulting services to individuals, businesses, and foundations. In addition, the company payment technology solution offers text-based mobile bill pay; interactive voice response; electronic payment concentration delivered to automated clearing house networks, money management, and credit card networks; walk-in payment processing for customers at retail pay agents; customer service payments made over a telephone; direct debit services; merchant services referral solutions; lockbox remittance processing for customers to make payments by mail; and tools for billing, reconciliation, bill reminders, and treasury services. The company was founded in 1868 and is headquartered in Leawood, Kansas.

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 First Busey Corporation, The Bank of N.T. Butterfield & Son Limited Stock News

As of January 21, 2026, First Busey Corporation had a $2.3 billion market capitalization, compared to the Banks median of $539.4 million. First Busey Corporation’s stock is NA in 2026, NA in the previous five trading days and up 10.18% in the past year.

Currently, First Busey Corporation’s price-earnings ratio is 20.1. First Busey Corporation’s trailing 12-month revenue is $584.0 million with a 17.6% net profit margin. Year-over-year quarterly sales growth most recently was 67.1%. Analysts expect adjusted earnings to reach $2.464 per share for the current fiscal year. First Busey Corporation currently has a 4.1% dividend yield.

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 $5.530 per share for the current fiscal year. The Bank of N.T. Butterfield & Son Limited currently has a 3.9% dividend yield.

How We Compare First Busey Corporation 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 First Busey Corporation 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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First Busey Corporation and The Bank of N.T. Butterfield & Son Limited Stock Value Grades

Company	Ticker	Value
First Busey Corporation	BUSE	D
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.

First Busey Corporation has a Value Score of 37, which is Expensive. The Bank of N.T. Butterfield & Son Limited has a Value Score of 77, 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 First Busey Corporation. 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.

First Busey Corporation and The Bank of N.T. Butterfield & Son Limited’s Quality Grades

Company	Ticker	Quality
First Busey Corporation	BUSE	F
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.

First Busey Corporation has a Quality Score of 2, which is Very 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 First Busey Corporation 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 First Busey Corporation or The Bank of N.T. Butterfield & Son Limited is the better investment when it comes to quality.

First Busey Corporation and The Bank of N.T. Butterfield & Son Limited’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
First Busey Corporation	BUSE	D
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.

First Busey Corporation has a Earnings Estimate Score of 37, which is Negative. The Bank of N.T. Butterfield & Son Limited has a Earnings Estimate Score of 58, which is Neutral.

The Earnings Estimate Revisions Stock Winner: No Clear Winner

Neither First Busey Corporation or The Bank of N.T. Butterfield & Son Limited has an Earnings Estimate Revisions Grade that could be considered a “winner.” Investors 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 First Busey Corporation or The Bank of N.T. Butterfield & Son Limited is the better investment when it comes to estimate revisions.

Other First Busey Corporation and The Bank of N.T. Butterfield & Son Limited Grades

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

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.

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 First Busey Corporation 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, First Busey Corporation or The Bank of N.T. Butterfield & Son Limited Stock?

Overall, First Busey Corporation stock has a Value Score of 37, Estimate Revisions Score of 37 and Quality Score of 2.

The Bank of N.T. Butterfield & Son Limited stock has a Value Score of 77, Estimate Revisions Score of 58 and Quality Score of 42.

Comparing First Busey Corporation 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.