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 Flagstar Bank, National Association, The Bank of N.T. Butterfield & Son Limited, Flagstar Bank or National Association 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 Flagstar Bank, National Association, The Bank of N.T. Butterfield & Son Limited, Flagstar Bank and National Association compare based on key financial metrics to determine which better meets your investment needs.

About Flagstar Bank, National Association, The Bank of N.T. Butterfield & Son Limited, Flagstar Bank and National Association

Flagstar Bank, National Association provides banking products and services in the United States. The company’s deposit products include interest-bearing checking and money market, savings, and non-interest-bearing accounts, as well as certificates of deposit. It offers loan products comprising multi-family loans; commercial real estate loans; acquisition, development, and construction loans; commercial and industrial loans; one-to-four family loans; specialty finance loans and leases; warehouse loans; and home equity lines of credit, as well as other consumer loans, including overdraft loans. The company offers non-deposit investment and insurance products; and online and mobile banking services. It primarily serves individuals, small and mid-size businesses, and professional associations. The company was formerly known as Flagstar Financial, Inc. Flagstar Bank, National Association was founded in 1859 and is headquartered in Hicksville, 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 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.

Flagstar Bank, National Association provides banking products and services in the United States. The company’s deposit products include interest-bearing checking and money market, savings, and non-interest-bearing accounts, as well as certificates of deposit. It offers loan products comprising multi-family loans; commercial real estate loans; acquisition, development, and construction loans; commercial and industrial loans; one-to-four family loans; specialty finance loans and leases; warehouse loans; and home equity lines of credit, as well as other consumer loans, including overdraft loans. The company offers non-deposit investment and insurance products; and online and mobile banking services. It primarily serves individuals, small and mid-size businesses, and professional associations. The company was formerly known as Flagstar Financial, Inc. Flagstar Bank, National Association was founded in 1859 and is headquartered in Hicksville, New York.

Latest Banks and Flagstar Bank, National Association, The Bank of N.T. Butterfield & Son Limited Stock News

As of August 21, 2026, Flagstar Bank, National Association had a $5.6 billion market capitalization, compared to the Banks median of $745.4 million. Flagstar Bank, National Association’s stock is up 7% in 2026, down 5.5% in the previous five trading days and up 12.25% in the past year.

Currently, Flagstar Bank, National Association’s price-earnings ratio is 374.2. Flagstar Bank, National Association’s trailing 12-month revenue is $2.0 billion with a 2.4% net profit margin. Year-over-year quarterly sales growth most recently was 15.3%. Analysts expect adjusted earnings to reach $0.353 per share for the current fiscal year. Flagstar Bank, National Association currently has a 0.3% dividend yield.

As of August 21, 2026, The Bank of N.T. Butterfield & Son Limited had a $2.3 billion market cap, putting it in the 55th percentile of all stocks. The Bank of N.T. Butterfield & Son Limited’s stock is up 17.6% in 2026, down 8.3% in the previous five trading days and up 31.95% in the past year.

Currently, The Bank of N.T. Butterfield & Son Limited’s price-earnings ratio is 10.3. 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 $6.290 per share for the current fiscal year. The Bank of N.T. Butterfield & Son Limited currently has a 3.4% dividend yield.

How We Compare Flagstar Bank, National Association, The Bank of N.T. Butterfield & Son Limited, Flagstar Bank and National Association 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 Flagstar Bank, National Association, The Bank of N.T. Butterfield & Son Limited, Flagstar Bank and National Association’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

Flagstar Bank, National Association, The Bank of N.T. Butterfield & Son Limited, Flagstar Bank and National Association Stock Value Grades

Company	Ticker	Value
Flagstar Bank, National Association	FLG	D
The Bank of N.T. Butterfield & Son Limited	NTB	B
Flagstar Bank, National Association	FLG	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.

Flagstar Bank, National Association has a Value Score of 26, which is Expensive. The Bank of N.T. Butterfield & Son Limited has a Value Score of 69, which is Value. Flagstar Bank, National Association has a Value Score of 26, 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 Flagstar Bank, National Association. 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.

Flagstar Bank, National Association, The Bank of N.T. Butterfield & Son Limited, Flagstar Bank and National Association’s Momentum Grades

Company	Ticker	Momentum
Flagstar Bank, National Association	FLG	C
The Bank of N.T. Butterfield & Son Limited	NTB	B
Flagstar Bank, National Association	FLG	C

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%.

Flagstar Bank, National Association has a Momentum Score of 45, which is Average. The Bank of N.T. Butterfield & Son Limited has a Momentum Score of 60, which is Average. Flagstar Bank, National Association has a Momentum Score of 45, which is Average.

The Momentum Stock Winner: No Clear Winner

Neither Flagstar Bank, National Association, The Bank of N.T. Butterfield & Son Limited, Flagstar Bank or National Association has a strong enough Momentum Grade to 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 Flagstar Bank, National Association, The Bank of N.T. Butterfield & Son Limited, Flagstar Bank or National Association is the better investment when it comes to momentum.

Flagstar Bank, National Association, The Bank of N.T. Butterfield & Son Limited, Flagstar Bank and National Association’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
Flagstar Bank, National Association	FLG	F
The Bank of N.T. Butterfield & Son Limited	NTB	B
Flagstar Bank, National Association	FLG	F

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.

Flagstar Bank, National Association has a Earnings Estimate Score of 16, which is Very Negative. The Bank of N.T. Butterfield & Son Limited has a Earnings Estimate Score of 68, which is Positive. Flagstar Bank, National Association has a Earnings Estimate Score of 16, which is Very Negative.

The Earnings Estimate Revisions Grade Winner: The Bank of N.T. Butterfield & Son Limited

As you can clearly see from the Earnings Estimate Revisions Grade breakdown above, The Bank of N.T. Butterfield & Son Limited has a better Earnings Estimate Revisions Grade than Flagstar Bank, National Association. For those who are specifically looking for companies with better short-term prospects when 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 to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Other Flagstar Bank, National Association, The Bank of N.T. Butterfield & Son Limited, Flagstar Bank and National Association Grades

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

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.

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 Flagstar Bank, National Association, The Bank of N.T. Butterfield & Son Limited, Flagstar Bank and National Association pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, Flagstar Bank, National Association, The Bank of N.T. Butterfield & Son Limited, Flagstar Bank or National Association Stock?

Overall, Flagstar Bank, National Association stock has a Value Score of 26, Momentum Score of 45 and Estimate Revisions Score of 16.

The Bank of N.T. Butterfield & Son Limited stock has a Value Score of 69, Momentum Score of 60 and Estimate Revisions Score of 68.

Flagstar Bank, National Association stock has a Value Score of 26, Momentum Score of 45 and Estimate Revisions Score of 16.

Comparing Flagstar Bank, National Association, The Bank of N.T. Butterfield & Son Limited, Flagstar Bank and National Association’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.