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Bank of N.T. Butterfield & Son Ltd(NTB)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for NTB
09/15/2026: NTB (3-star) is currently NOT-A-BUY. Pass it for now.
Bank of N.T. Butterfield & Son Ltd is a specialized offshore financial institution focused on providing banking and wealth management services in select island jurisdictions. The company has a stable business model, known for maintaining solid net interest margins and a high-quality, conservative loan book. Its primary growth opportunity lies in expanding its fee-based trust and fiduciary services to global high-net-worth families. While the company is well-positioned in its core markets, investors should monitor risks related to regulatory changes, offshore tax policy, and regional economic stability. It is best suited for value and dividend-oriented investors seeking stable, recurring income.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company offers stable, moderate growth rather than the high-growth trajectory typically sought by growth investors. |
| Momentum investor | Weak fit | The stock tends to trade based on long-term fundamentals and interest rate cycles rather than rapid momentum signals. |
| Value investor | Strong fit | Butterfield often trades at attractive valuation multiples relative to its stable earnings and high margins. |
| Dividend investor | Strong fit | The company has a consistent history of returning capital to shareholders through regular and reliable dividend payments. |
| Low-risk investor | Strong fit while signal remains positive | Its conservative balance sheet and strong regulatory standing provide a stable profile for risk-averse investors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | The stock can be impacted by changes in global interest rate expectations. |
| Valuation risk | Low | Current valuations generally reflect the stable nature of the offshore banking business. |
| Competition risk (global banking giants) | Medium | Large banks like HSBC may offer bundled services that pressure niche players. |
| Business quality | Strong | The bank maintains high capital ratios and a stable, high-net-worth client base. |
| Dividend income | Strong | The dividend is supported by consistent fee income and interest margins. |
| Execution risk | Low | The management team has a proven track record of integrating strategic acquisitions. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Very Smooth
The stock has followed a highly orderly price path with minimal short-term disruption.
Analysis of Past Performance
Type Stock | Historic Profit 20.7% | Avg. Invested days 49 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/15/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.36B USD | Price to earnings Ratio 10.55 | 1Y Target Price 64 |
Price to earnings Ratio 10.55 | 1Y Target Price 64 | ||
Volume (30-day avg) 174.2K shares | Beta 0.49 | 52 Weeks Range 39.10 - 64.17 | Updated Date 09/15/2026 |
52 Weeks Range 39.10 - 64.17 | Updated Date 09/15/2026 | ||
Dividends yield (FY) 3.34% | Basic EPS (TTM) 5.68 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans and investments net of interest paid on deposits. | The bank makes a profit from the spread between interest earned on assets and interest paid on savings. |
| Fee & Commission Income | Trust administration fees, investment management fees, and banking service charges. | This is stable income from managing client assets and providing daily banking services. |
| Geography (Bermuda/Cayman/Channel Islands) | Concentrated operations in these three stable, tax-neutral jurisdictions. | The bank's success is tied to the financial health and regulatory climate of these specific island regions. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 10.55 | Forward PE - | Enterprise Value -763.82M | Price to Sales(TTM) 3.77 |
Enterprise Value -763.82M | Price to Sales(TTM) 3.77 | ||
Enterprise Value to Revenue 1.5 | Enterprise Value to EBITDA - | Shares Outstanding 39.33M | Shares Floating 38.67M |
Shares Outstanding 39.33M | Shares Floating 38.67M | ||
Percent Insiders 1.36 | Percent Institutions 74.31 |
Upturn AI Summary
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About Bank of N.T. Butterfield & Son Ltd
Exchange NYSE | Headquarters - | ||
IPO Launch date 2016-09-16 | Chairman & CEO Mr. Michael Weld Collins | ||
Sector Financial Services | Industry Banks - Diversified | Full time employees 1299 | Website https://www.butterfieldgroup.com |
Full time employees 1299 | Website https://www.butterfieldgroup.com | ||
The Bank of N.T. Butterfield & Son Limited provides a range of community, commercial, and private banking services to individuals and small to medium-sized businesses. The company offers retail and corporate checking, savings, and term deposits. It also provides lending products and services, including residential mortgage lending, automobile lending, credit cards, consumer financing, overdraft facilities to retail customers, commercial real estate lending, and commercial and industrial loans. In addition, the company offers cash and liquidity management, foreign exchange, custody administration, and settlement services. Further, it provides personal and business deposit services, residential and commercial mortgages, small and medium-sized enterprise and corporate loans, credit and debit cards, merchant acquiring, and mobile and internet banking services; and treasury services, wealth management, and fiduciary services. Additionally, the company offers discretionary investment management, managed portfolio services, money market, and mutual fund offerings, as well as advisory and self-directed brokerage options. It operates through offices in the Cayman Islands, Guernsey, Jersey, the United Kingdom, The Bahamas, Hong Kong, Switzerland, Singapore, Mauritius, and Canada, as well as Bermuda. The Bank of N.T. Butterfield & Son Limited was founded in 1784 and is headquartered in Hamilton, Bermuda.
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