COMPARE · Data as of August 28, 2026
BBVA vs NTB
Verdict: Side-by-side breakdown using the Bull Rankings model. BBVA scored 71.0, NTB scored 80.0 — NTB leads.
Compare another set
BBVA
Banco Bilbao Vizcaya Argentaria, S.A.
70.2Fin
$29.00 · $160.0B
Strength gap
3.4
NTB leads
NTB
The Bank of N.T. Butterfield & Son Limited
73.6Fin
$59.30 · $2.3B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
- CheapestNTB10.4x
- Fastest growthNTB+4.3%
Side by side · every name on one set of axes
Growth against the P/E multiple. Up and to the right is cheaper and faster — the quality-growth idea in one picture. Points beyond the axis are pinned to the edge and marked off-scale rather than allowed to compress everything else.
Fundamentals, head-to-head
BBVA
NTB
+0.5%C
Rev
+4.3%C+
13.0xB
P/E
10.4xA-
18.9%B+
ROE
21.1%A-
2.44C+
P/B
2.03C+
3.8%B+
Yield
3.4%B
Winner per row is the stronger grade; where grades tie, the better figure breaks it. A true tie or a missing value shows no highlight.
The companies
BBVABanco Bilbao Vizcaya Argentaria, S.A.
Why now
Banks - Diversified · market cap $160.0b. Trading near 52-week high of $29.32 — momentum setup, limited technical margin of safety. 3 sell-side analysts rate this an Underperform with a mean 1-yr target of $24.53 (implying -15% upside).
Moat
Net margin 33% is exceptional — pricing-power territory rare outside premium software, branded staples, and specialty pharma. ROE 19% sits above Buffett's preferred 15% threshold — the equity base is compounding at a rate the market struggles to discount accurately. $160.0b market cap gives the company enough scale to absorb fixed costs that subscale competitors can't, without yet being so large that growth has to come from acquisition.
Risk
Trading within 1% of the 52-week high — limited technical margin of safety; a momentum reversal would test conviction. Duration mismatch — the asset and liability books reprice on different schedules; a rapid move in rates either direction can compress net interest margin before management can reposition.
NTBThe Bank of N.T. Butterfield & Son Limited
Why now
Banks - Diversified · market cap $2.3b. 8% off the 52-week high of $64.17. PEG 0.71 — paying under fair value for the growth rate. 3 sell-side analysts publish a mean 1-yr target of $64.00 (implying +8% upside).
Moat
Net margin 37% is exceptional — pricing-power territory rare outside premium software, branded staples, and specialty pharma. ROE 21% sits above Buffett's preferred 15% threshold — the equity base is compounding at a rate the market struggles to discount accurately. Financial moat — scale of deposit base / underwriting franchise plus regulatory capital advantages. The largest players compound book value through cycles that erase smaller competitors.
Risk
Regulatory capital risk — stricter capital requirements (CCAR, Basel) can force a dividend cut or a capital raise; the largest banks are most exposed because they're held to the tightest standards.
Verdict — model-derived comparison
Generating verdict… typically 5–10 seconds
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