Verdict: Side-by-side breakdown using the Bull Rankings model. NTB scored 80.0, BBVA scored 71.0 — NTB leads.
Compare another set
Different reporting periods. NTB's fundamentals are as of June 2026, but BBVA's are as of December 2025 — a 6-month gap. Growth, margin and valuation figures below therefore describe different windows and aren't strictly like-for-like.
NTB
The Bank of N.T. Butterfield & Son Limited
Banks - Diversified · Financial strength
74.1Fin
$58.38 · $2.3B
fundamentals as of
Strength gap
2.1
NTB leads
BBVA
Banco Bilbao Vizcaya Argentaria, S.A.
Banks - Diversified · Financial strength
72Fin
$26.43 · $145.4B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
CheapestNTB10.3x
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
NTB
BBVA
+4.3%C+
Rev
+0.5%C
10.3xA-
P/E
12.1xB
21.1%A-
ROE
18.9%B+
2.00B
P/B
2.29C+
3.5%B
Yield
4.1%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
NTBThe Bank of N.T. Butterfield & Son Limited
Banks - Diversified · $58.38 · beta 0.54
Why now
Banks - Diversified · market cap $2.3b. 9% off the 52-week high of $64.17. PEG 0.57 — paying under fair value for the growth rate. 3 sell-side analysts rate this a Buy with a mean 1-yr target of $66.00 (implying +13% upside).
Moat
Net margin 37% is exceptional — pricing-power territory rare outside premium software, branded staples, and specialty pharma. ROE 21% is above 15% — 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.
BBVABanco Bilbao Vizcaya Argentaria, S.A.
Banks - Diversified · $26.43 · beta 0.90
Why now
Banks - Diversified · market cap $145.4b. 11% off the 52-week high of $29.64. 3 sell-side analysts rate this a Hold with a mean 1-yr target of $27.53 (implying +4% upside).
Moat
Net margin 33% is exceptional — pricing-power territory rare outside premium software, branded staples, and specialty pharma. ROE 19% is above 15% — the equity base is compounding at a rate the market struggles to discount accurately. $145.4b 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
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.
Verdict — model-derived comparison
Generating verdict… typically 5–10 seconds
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.
Common questions
Is NTB or BBVA the better stock?
NTB scores higher: NTB 80.0, BBVA 71.0 out of 100 on the Bull Rankings quality-growth score, which blends business quality, growth and valuation into one number. A higher score means a stronger business at a more reasonable price — it is not a price target or a recommendation.
How are NTB and BBVA scored?
Each carries the same 0–100 quality-growth score used everywhere on the site, built from three pillars — quality (profitability and returns on capital), growth (revenue and earnings), and value (what you pay for them) — combined as a geometric mean, so a weak pillar cannot be papered over by a strong one.
How current is this comparison?
The whole universe is re-scored every trading day after the US market close, so the scores and fundamentals here reflect the latest published edition.