• Basic Membership Access to Journal, Shadow Stock portfolio & monthly updates for stock screens
  • A+ Investor Full access to AAII.com, Journal, and a power data suite for investment ideas
  • AAII Platinum Full access to all of AAII's model portfolios and premium services at a significant discount
  • Dividend Investing Newsletter and model portfolio that focuses on dividend growth
  • AAII Growth Investing Find secular growth stocks poised for outperformance regardless of macroeconomic conditions.
  • Retirement Investing Discover trusted strategies for every stage of retirement. Get actionable insights and resources for smart retirement planning.
  • Sentiment Investing A research-driven newsletter with 10+ signals decoding sentiment across retail and institutional behavior.
  • Stock Superstars Report Get stock ideas inspired by the market's leading professionals
  • VMQ Stocks For the value investor looking to harness academic research in an actively managed portfolio
  • Bits and Bips Newsletter delivering insights on linking traditional finance, macro trends and cryptocurrency opportunities to help investors build stronger, more diversified portfolios.
All premium products come with free basic membership.
Explore All Membership Options
Join Now

Stock Evaluator: The Bank of N.T. Butterfield & Son Limited (NTB)

The Bank of N.T. Butterfield & Son Limited NTB

$61.29 -0.44 -0.71%
July 31, 2026 4:00:03 PM EST November 10, 2021 Volume: 280,104
After Hours: $120.37   0.15  |  0.12% November 10, 2021 7:59 PM EST Volume: 72,713
USD NYSE | DELAYED PRICE
SECTOR INDUSTRY
Financials Banks

A+ Stock Grade Summary:

VALUE:
GROWTH:
MOMENTUM:
EPS REVISIONS:
QUALITY:
COMPANY SUMMARY
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.

Commentary & Analysis

Financial Summary

Share Statistics NTB Industry
Median		 Percentile
(All Stocks)
Market Cap (Mil) $2,410.3 $716.9 56%
Shares Out (Mil) 40.4 15.7 43%
Institutional Ownership 97.5% 83.0% 74%
Float (Mil) 38.6 21.2 42%
Beta 0.49 0.48 27%
Avg Daily Volume (000s) 176 53 43%
Price Change
(52-week)		 35.6% 96.7% 73%
Growth NTB Industry
Median		 Percentile
(All Stocks)
Sales (5yr) 4.2% 7.6% 32%
Net Income (5yr) 9.5% 11.1% 54%
EPS (5yr) 13.5% 10.1% 53
Dividends (5yr) 1.3% 3.6% 90%
Cash Flow (5yr) (20.3%) (17.0%) 32%
Estimates Qtrly Current
Fiscal
Year		 Next
Fiscal
Year
# of Estimates 3 3 3
Current EPS $1.560 $6.223 $7.113
Month Ago EPS $1.550 $6.173 $7.063
# Rev Up 3 1 1
# Rev Down 0 0 0
Three Months Ago EPS $1.560 $6.290 $6.667
Year/Year Chg 34.5% 13.8% 54.5%
Financials NTB Industry
Median		 Percentile
(All Stocks)
Sales (TTM) (Mil) $625 $190 44%
Net Income (TTM) (Mil) $234 $51 70%
EPS (TTM) $5.848 $2.500 89%
Operating Cash Flow (TTM) (Mil) $234 $34 61%
Net Cash Flow (TTM) (Mil) ($54) $1 19%
Long-Term Debt (Q1) (Mil) $39 $100 37%
Enterprise Value (Q1) (Mil) na $0 na
Valuation NTB Industry
Median		 Percentile
(All Stocks)
P/B 2.10 1.27 52%
P/E 10.8 12.9 18%
Dividend Yield 3.3% 2.2% 87%
PEG (5yr hist) 0.8 1.1 37%
Ratios NTB Industry
Median		 Percentile
(All Stocks)
Gross Margin na 68.8% na
Net Margin 37.5% 28.9% 93%
ROA 1.6% 1.0% 53%
ROE 21.1% 11.1% 81%
Liabilities to Assets 92.0% 89.8% 89%
F-Score 4 4 34%

Passing Stock Screens

As of 7/31/2026, from a list of 60 stock screening strategies, NTB meetings the criteria of 2 screen:
Stock Screen
GURU STRATEGY

Graham--Defensive Investor (Utility) Screen

Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength. 
Performance Since Inception: 6.9%
+/- S&P 500: -0.6

Passing Stocks

1st Source Corporation SRCE
Aflac Incorporated AFL
Amalgamated Financial Corp. AMAL
American Financial Group, Inc. AFG
Ameris Bancorp ABCB
See All 182 Stocks (as of 7/31/2026)
GURU STRATEGY

Buffett: Hagstrom Screen

Factors: Value, Quality, Growth
Hagstrom identifies 12 basic principles that a company should possess to be considered for purchase.
Performance Since Inception: 13.7%
+/- S&P 500: +6.2

Passing Stocks

Arch Capital Group Ltd. ACGL
Arista Networks, Inc. ANET
Cavco Industries, Inc. CVCO
Cirrus Logic, Inc. CRUS
Comfort Systems USA, Inc. FIX
See All 30 Stocks (as of 7/31/2026)

Price and market data provided by QuoteMedia and delayed a minimum of 15 minutes unless otherwise indicated. Fundamental data provided by AAII's Stock Investor Pro and S&P Global Market Intelligence and are updated through the previous trading day.

Ⓒ 2026 American Association of Individual Investors