Stock analysis · Bull Rankings model

NTB analysis

The Bank of N.T. Butterfield & Son LimitedBanks - Diversified. Scored on the same transparent 7-signal model behind the daily rankings.

NTB
The Bank of N.T. Butterfield & Son Limited · Banks - Diversified
Rev+4.3%C+
P/E10.6xA-
ROE22.0%A-
P/B2.13C+
Yield3.3%B
73.1Financial strength
$61.12$2.4B
1Y Target$61.33Analyst consensus · 3 analysts
5Y Target$77.43Compound horizon
10Y Target$99.30Long-dated conviction
Rev+4.3%
C+
Revenue +4.3% — steady but below market-beating range
P/E10.6x
A-
P/E 10.6 — cheaper than most Financial Services peers (≈25th pctile)
ROE22.0%
A-
ROE 22.0% — Buffett's preferred bar (>20%)
P/B2.13
C+
P/B 2.13 — richly valued vs book
Yield3.3%
B
Yield 3.3% — modest income

Forward price target — the 1-year figure is the analyst consensus where the stock is covered; the 5- and 10-year figures compound our earnings estimate from there. The DCF below is a separate cross-check on intrinsic value (what it's worth today), not another target.

Financial strength · 73.1 / 100
Profitability0.92
Value (P/B)0.45
Income0.72

A peer-relative read for financials on profitability (ROE), valuation, and covered income — the quality-growth (FCF/ROIC) screen doesn't apply to balance-sheet businesses. Not comparable to the 0–100 quality-growth score shown on other stocks.

Entry · Margin of safety
52-week rangeNear 52-week high
1% off the 12-month high
Why now
Banks - Diversified · market cap $2.4b. Trading near 52-week high of $61.70 — momentum setup, limited technical margin of safety. 3 sell-side analysts rate this a Buy with a mean 1-yr target of $61.33 (implying +0% upside).
Moat
Net margin 39% is exceptional — pricing-power territory rare outside premium software, branded staples, and specialty pharma. ROE 22% 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
Trading within 1% of the 52-week high — limited technical margin of safety; a momentum reversal would test conviction. 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.
Horizon
1-3 yr $61.33 (3-analyst consensus) — multiple re-rating thesis requires a catalyst. 5 yr $77.43 at ~5% CAGR — dividend + buyback compounding. 10 yr $99.30 if the moat survives secular pressure.
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.

Not enough history yet — the model records NTB's score after each daily run, and the chart appears once a few days have accumulated.

Shares to buy
32
Position size
$1,956
3.9% of portfolio
Stop price
$45.84
25% below $61.12
$ at risk if stopped
$488.96
budget $500.00 · 1% of portfolio

Math only — share count is floor(portfolio × risk% ÷ (price × stop%)). Doesn't account for commissions, slippage, gap risk, or position-correlation across your book. Inputs persist locally; never sent to the server. Not investment advice.

The Bank of N.T. Butterfield & Son Limited (NTB): score, valuation & FAQ

The Bank of N.T. Butterfield & Son Limited (NTB) is a Banks - Diversified company. As a bank, insurer or REIT it runs on a different financial model from the rest of the market, so Bull Rankings grades it on a sector-appropriate card — price-to-book, dividend yield, payout ratio and cash-flow coverage — rather than the 0–100 quality-growth score used elsewhere. The read below is a transparent screen, not a buy recommendation.

Its strongest graded signals are P/E (A-) and ROE (A-).

Is NTB a good stock to buy?

Bull Rankings grades NTB on a sector-appropriate card — price-to-book, dividend yield, payout and cash-flow coverage — rather than a single quality-growth score. That is driven by P/E (A-) and ROE (A-). A score is a quantitative screen of The Bank of N.T. Butterfield & Son Limited's fundamentals, not personalised financial advice — weigh it against your own time horizon and risk tolerance, and read the risk factors below before acting.

How does Bull Rankings grade NTB?

As a bank, insurer or REIT, NTB isn't given a quality-growth score — signals like free cash flow, debt-to-equity and P/E don't translate cleanly to a balance-sheet business. Instead it's graded on a sector-appropriate card: price-to-book, dividend yield, payout ratio and operating-cash-flow coverage, where it rates strongest on P/E (A-) and ROE (A-).

Is NTB overvalued or undervalued?

We don't compute a reliable discounted-cash-flow value for NTB — typically because it is not yet consistently profitable or free-cash-flow positive — so its valuation rests on growth and price-to-sales rather than on earnings-based intrinsic value. Judge it on the trajectory of the business, not a single multiple.

What are the main risks of investing in NTB?

Trading within 1% of the 52-week high — limited technical margin of safety; a momentum reversal would test conviction. 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.

New to these metrics? The guides explain free cash flow, how the score works, and more in the learn hub — or run another name through the screener.

Bull Rankings is an automated fundamentals screen for research and education. It is not investment advice, and nothing here is a recommendation to buy or sell any security. Do your own research and consider consulting a licensed financial adviser.

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