COMPARE · Data as of August 27, 2026
NTB vs WFC
Verdict: Side-by-side breakdown using the Bull Rankings model. NTB scored 80.0, WFC scored 73.0 — NTB leads.
Compare another set
NTB
The Bank of N.T. Butterfield & Son Limited
73.6Fin
$59.13 · $2.3B
fundamentals as of
Strength gap
10.8
NTB leads
WFC
Wells Fargo & Company
62.8Fin
$84.97 · $256.9B
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
NTB
WFC
+4.3%C+
Rev
+1.7%C
10.4xA-
P/E
12.4xB+
21.1%A-
ROE
12.6%B
2.02C+
P/B
1.60B
3.4%B
Yield
2.4%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
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.
WFCWells Fargo & Company
Why now
Banks - Diversified · market cap $256.9b. 13% off the 52-week high of $97.76. 23 sell-side analysts rate this a Buy with a mean 1-yr target of $100.24 (implying +18% upside).
Moat
Net margin 27% sits well above the S&P median (~11%) — suggests structural pricing advantage or cost discipline competitors can't quickly close. ROE 13% meets the long-run market sustainable threshold — solid but not differentiated; the durability comes from elsewhere. $256.9b market cap places it among the largest companies in the sector — distribution, R&D, and customer-acquisition costs amortize across a base peers can't replicate.
Risk
Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
Verdict — model-derived comparison
Generating verdict… typically 5–10 seconds
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