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

About City Holding Company and The Bank of N.T. Butterfield & Son Limited

City Holding Company operates as a financial holding company for City National Bank of West Virginia that provides banking, trust and investment management, and other financial solutions in the United States. It offers checking, savings, and money market accounts, as well as certificates of deposit and individual retirement accounts. The company also provides commercial and industrial loans that consist of loans to corporate and other legal entity borrowers primarily in small to mid-size industrial and commercial companies; commercial real estate loans comprising commercial mortgages, which are secured by nonresidential and multi-family residential properties; residential real estate loans to consumers for the purchase or refinance of residence; first-priority home equity loans; home equity lines of credit; amortized home equity loans; consumer loans that are secured and unsecured by automobiles, boats, recreational vehicles, certificates of deposit, and other personal property; and demand deposit account overdrafts, as well as owner-occupied real estate and construction, land development, and lines of credit. In addition, it offers mortgage banking services, including fixed and adjustable-rate mortgages, construction financing, land loans, production of conventional and government-insured mortgages, secondary marketing, and mortgage servicing. Further, the company provides treasury management, lockbox, and other cash management services; merchant credit card services; wealth management, trust, investment, and custodial services for commercial and individual customers; and corporate trust and institutional custody, financial and estate planning, and retirement plan services, as well as automated-teller-machine, interactive-teller-machine, mobile banking, interactive voice response systems, and credit and debit card services. The company was founded in 1957 and is headquartered in Charleston, West Virginia.

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 offers retail and corporate checking, savings, and term deposits. It also provides lending products and services, including residential mortgage lending, automobile lending, credit cards, consumer financing, overdraft facilities to retail customers, commercial real estate lending, and commercial and industrial loans. In addition, the company offers cash and liquidity management, foreign exchange, custody administration, and settlement services. Further, it provides personal and business deposit services, residential and commercial mortgages, small and medium-sized enterprise and corporate loans, credit and debit cards, merchant acquiring, and mobile and internet banking services; and treasury services, wealth management, and fiduciary services. Additionally, the company offers discretionary investment management, managed portfolio services, money market, and mutual fund offerings, as well as advisory and self-directed brokerage options. It 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 City Holding Company, The Bank of N.T. Butterfield & Son Limited Stock News

As of July 31, 2026, City Holding Company had a $2.0 billion market capitalization, compared to the Banks median of $716.9 million. City Holding Company’s stock is up 21.7% in 2026, up 3.9% in the previous five trading days and up 17.19% in the past year.

Currently, City Holding Company’s price-earnings ratio is 16.0. City Holding Company’s trailing 12-month revenue is $319.7 million with a 41.1% net profit margin. Year-over-year quarterly sales growth most recently was 5.4%. Analysts expect adjusted earnings to reach $9.264 per share for the current fiscal year. City Holding Company currently has a 2.4% dividend yield.

As of July 31, 2026, The Bank of N.T. Butterfield & Son Limited had a $2.4 billion market cap, putting it in the 56th percentile of all stocks. The Bank of N.T. Butterfield & Son Limited’s stock is up 23% in 2026, up 0.5% in the previous five trading days and up 35.6% in the past year.

Currently, The Bank of N.T. Butterfield & Son Limited’s price-earnings ratio is 10.8. The Bank of N.T. Butterfield & Son Limited’s trailing 12-month revenue is $625.2 million with a 37.5% net profit margin. Year-over-year quarterly sales growth most recently was 8.2%. Analysts expect adjusted earnings to reach $6.223 per share for the current fiscal year. The Bank of N.T. Butterfield & Son Limited currently has a 3.3% dividend yield.

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

Learn more about A+ Investor here!

Sign Up to Receive a Free Special Report Showing How A+ Grades Can Help You Make Smarter Investment Decisions

City Holding Company and The Bank of N.T. Butterfield & Son Limited Stock Value Grades

Company	Ticker	Value
City Holding Company	CHCO	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.

City Holding Company has a Value Score of 43, which is Average. The Bank of N.T. Butterfield & Son Limited has a Value Score of 67, 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 City Holding Company. 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.

City Holding Company and The Bank of N.T. Butterfield & Son Limited’s Quality Grades

Company	Ticker	Quality
City Holding Company	CHCO	D
The Bank of N.T. Butterfield & Son Limited	NTB	D

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.

City Holding Company has a Quality Score of 34, which is Weak. The Bank of N.T. Butterfield & Son Limited has a Quality Score of 29, which is Weak.

The Quality Stock Winner: No Clear Winner

Neither City Holding Company 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 City Holding Company or The Bank of N.T. Butterfield & Son Limited is the better investment when it comes to quality.

City Holding Company and The Bank of N.T. Butterfield & Son Limited’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
City Holding Company	CHCO	B
The Bank of N.T. Butterfield & Son Limited	NTB	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.

City Holding Company has a Earnings Estimate Score of 70, which is Positive. The Bank of N.T. Butterfield & Son Limited has a Earnings Estimate Score of 70, which is Positive.

The Earnings Estimate Revisions Grade Winner: It’s a Tie!

Looking at the Earnings Estimate Revisions Grade breakdown above, both City Holding Company and The Bank of N.T. Butterfield & Son Limited have a grade of B. For those focusing solely on a company’s estimate revisions, other financial metrics will need to be evaluated to determine whether City Holding Company or The Bank of N.T. Butterfield & Son Limited is a better fit.

Other City Holding Company and The Bank of N.T. Butterfield & Son Limited Grades

In addition to Quality, Value and Estimate Revisions, 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 City Holding Company 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, City Holding Company or The Bank of N.T. Butterfield & Son Limited Stock?

Overall, City Holding Company stock has a Value Score of 43, Estimate Revisions Score of 70 and Quality Score of 34.

The Bank of N.T. Butterfield & Son Limited stock has a Value Score of 67, Estimate Revisions Score of 70 and Quality Score of 29.

Comparing City Holding Company 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.