Stock AnalizBank of N.T. Butterfield & Son Ltd NTB
Commercial Banks · IPO 2016 · data as of November 13, 2026
Bank of N.T. Butterfield & Son Ltd (NTB) is a financial company listed in the US with a market value of about $2.3B. In the twelve months to September 30, 2026 it had revenue of $637M and net income of $234M, a net margin of 36.8%.
Its overall Stock Analiz score is 3.0 out of 5 (average). The strongest part is value (5/5); the weakest is future growth (1/5).
Key numbers: a P/E of 9.9, a price to free cash flow of 10.1, 5-year revenue growth of 4% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 341% above the current price.
Score: 3.0 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- Price below intrinsic value (DCF, moderate assumptions)
- PEG below 1.5
- Profit margin improving
- 5-year EPS growth above 10% a year
- Profitable 5 years in a row
Checks not passed
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year revenue growth above 8% a year
- 5-year average ROIC above 12%
- Interest covered more than 5 times
- Liabilities below 60% of assets
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $637M | $607M | $580M | $579M | $549M | $500M | $494M | $533M | $518M | $455M | $403M |
| Net income | $234M | $232M | $216M | $225M | $214M | $163M | $147M | $177M | $195M | $153M | $116M |
| Free cash flow | $224M | — | — | — | — | — | — | — | $278M | $223M | $169M |
| EPS (diluted) | $5.74 | $5.80 | $5.41 | $5.64 | $5.35 | $4.07 | $3.68 | $4.43 | $4.88 | $3.83 | $2.90 |
| Net margin | 36.8% | 38.2% | 37.3% | 39.0% | 39.0% | 32.6% | 29.8% | 33.2% | 37.7% | 33.7% | 28.8% |
| ROIC | — | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 3 analysts is $66.00, 16% above the current price; targets range from $65.00 to $68.00; the consensus rating is “Buy”; expected EPS is $6.30 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Bank of N.T. Butterfield & Son’s P/E ratio?
About 9.9, based on the last twelve months of diluted earnings per share (forward P/E about 8.4).
Is Bank of N.T. Butterfield & Son stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 341% above the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Bank of N.T. Butterfield & Son pay a dividend?
Yes. The dividend yield is about 3.54%, and it has paid dividends for 10 years in our data.
Is Bank of N.T. Butterfield & Son a good stock to buy?
We do not give buy or sell advice. Bank of N.T. Butterfield & Son scores 3.0 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.