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    B

    Bank of N.T. Butterfield & Son Ltd (NTB)

    Official site

    FINANCIAL SERVICES • BANKS - DIVERSIFIED • NYSE

    $58.30
    +0.35 (+0.60%)

    Market Cap: $2.30B

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    87%(34/39)
    Avg Surprise
    +6.86%
    Streak
    12 Q

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$1.57
    Range$1.55 - $1.59
    3 analysts
    EPS Revisions
    1
    0
    7d
    1
    0
    30d
    EPS Estimate DriftChange to current
    90d ago$1.55+1.3%
    60d ago$1.570.0%
    30d ago$1.570.0%
    7d ago$1.58-0.4%
    Current$1.57
    Revenue Consensus
    $161M
    Range$159M - $162M
    2 analysts
    Period ending Dec 31, 2026
    EPS Consensus$1.82
    Range$1.77 - $1.87
    3 analysts
    Revenue Consensus
    $172M
    Range$170M - $175M
    2 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$1.82---
    Sep 26EST
    		-$1.57---
    Jun 26
    Reported Jul 27
    		$1.58$1.51+4.64%Beat+25.4%
    Mar 26
    Reported Apr 28
    		$1.55$1.40+10.71%Beat+19.2%
    Dec 25
    Reported Feb 9
    		$1.54$1.47+4.76%Beat+14.9%
    Sep 25
    Reported Oct 28
    		$1.51$1.31+15.27%Beat+30.2%
    Jun 25
    Reported Jul 28
    		$1.26$1.22+3.28%Beat+13.5%
    Mar 25
    Reported Apr 23
    		$1.30$1.09+19.27%Beat+11.1%
    Dec 24
    Reported Feb 10
    		$1.34$1.17+14.53%Beat+20.7%
    Sep 24
    Reported Oct 22
    		$1.16$1.12+3.57%Beat+0.0%
    Jun 24
    Reported Jul 22
    		$1.11$1.04+6.73%Beat-2.6%
    Mar 24
    Reported Apr 23
    		$1.17$0.97+20.62%Beat-5.6%
    Dec 23
    Reported Feb 12
    		$1.11$1.11+0.00%Beat-11.9%
    Sep 23
    Reported Oct 24
    		$1.16$1.12+3.57%Beat+0.0%
    Jun 23
    Reported Jul 31
    		$1.14$1.16-1.72%Miss+12.9%
    Mar 23
    Reported Apr 24
    		$1.24$1.16+6.90%Beat+37.8%
    Dec 22
    Reported Feb 13
    		$1.26$1.15+9.57%Beat+50.0%
    Sep 22
    Reported Oct 31
    		$1.16$1.12+3.57%Beat+45.0%
    Jun 22
    Reported Jul 25
    		$1.01$0.93+8.60%Beat+26.2%
    Mar 22
    Reported May 2
    		$0.90$0.79+13.92%Beat+8.4%
    Dec 21
    Reported Feb 14
    		$0.84$0.81+3.70%Beat-2.3%
    Sep 21
    Reported Oct 27
    		$0.80$0.81-1.23%Miss+9.6%
    Jun 21
    Reported Jul 26
    		$0.80$0.80+0.00%Beat+19.4%
    Mar 21
    Reported Apr 28
    		$0.83$0.75+10.67%Beat+6.4%
    Dec 20
    Reported Feb 10
    		$0.86$0.71+21.13%Beat-1.1%
    Sep 20
    Reported Oct 28
    		$0.73$0.63+15.87%Beat-19.8%
    Jun 20
    Reported Jul 22
    		$0.67$0.56+19.64%Beat-29.5%
    Mar 20
    Reported Apr 30
    		$0.78$0.73+6.85%Beat-18.7%
    Dec 19
    Reported Feb 12
    		$0.87$0.86+1.16%Beat-5.4%
    Sep 19
    Reported Oct 22
    		$0.91$0.92-1.09%Miss+3.4%
    Jun 19
    Reported Jul 23
    		$0.95$0.91+4.40%Beat+2.2%
    Mar 19
    Reported Apr 25
    		$0.96$0.88+9.09%Beat+21.5%
    Dec 18
    Reported Feb 19
    		$0.92$0.89+3.37%Beat+21.1%
    Sep 18
    Reported Oct 23
    		$0.88$0.95-7.37%Miss+20.5%
    Jun 18
    Reported Jul 24
    		$0.93$0.88+5.68%Beat+38.8%
    Mar 18
    Reported Apr 23
    		$0.79$0.78+1.28%Beat+12.9%
    Dec 17
    Reported Feb 15
    		$0.76$0.77-1.30%Miss+22.6%
    Sep 17
    Reported Oct 25
    		$0.73$0.70+4.29%Beat-
    Jun 17
    Reported Jul 25
    		$0.67$0.66+1.52%Beat-
    Mar 17
    Reported Apr 25
    		$0.70$0.64+9.38%Beat-
    Dec 16
    Reported Feb 13
    		$0.62$0.55+12.73%Beat-

    Dividends

    Dividend Metrics

    Forward Yield3.43%
    Forward Annual Dividend$2.00
    Payout Ratio34.51%
    FrequencyQuarterly
    Pay MonthsMar, May, Aug, Nov

    Growth

    3Y CAGR+2.22%
    5Y CAGR+1.33%
    NTB dividend history and ex-dividend datesRun NTB in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio9.43EV/EBITDAN/A
    Price/FCF11.22xFCF Yield8.92%
    Profitability
    Profit Margin37.50%Operating Margin32.10%
    ROE21.10%ROICN/A
    Financial Health
    Debt/EquityN/AInterest Coverage1.41x
    Current Ratio1518.86xQuick Ratio1518.86x
    Trading Statistics
    Beta0.54Avg Volume152.00K
    52-Week High$64.1752-Week Low$39.10

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$58.18
    SMA 20$58.40
    SMA 50$59.63
    SMA 200$55.70
    EMA 10$58.20
    EMA 20$58.48
    EMA 50$59.01
    EMA 200$55.53

    MACD

    Line: -0.40Signal: -0.45Hist: 0.04

    ADX

    ADX: 29.8+DI: 17.4-DI: 29.8

    Aroon & PSAR

    Aroon Up8.0
    Aroon Down60.0
    PSAR$58.81

    Bollinger Bands

    Upper Band$59.44
    Lower Band$57.36
    %B Position356%(Upper)
    Band Width0.45

    RSI (14-Day)

    Neutral
    46.8

    Momentum Oscillators

    Stoch %K60.8
    Stoch %D58.3
    Williams %R-35.7
    ROC (10d)-0.0%
    Momentum-0.02
    CCI (20d)-39.2
    MFI (14d)36.8

    Volatility Measures

    ATR (14d)$1.01(1.7%)
    StdDev (20d)0.52
    Hist Vol14.2%(Low)

    Volume Flow

    VWAP$58.14
    OBV7.6M
    AD Line-167.4M
    CMF (20d)0.049

    Volume Metrics

    Avg Vol (20d)154.1K
    Vol Ratio0.9x
    VWMA (20d)$58.45

    Pivot Points

    R3$59.62
    R2$58.90
    R1$58.43
    Pivot Point$57.71
    S1$57.24
    S2$56.52
    S3$56.05

    Advanced Oscillators

    TSI-12.51
    Ultimate Osc50.6
    KST-25.12

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$159.90M$155.90M$203.05M$200.52M$198.00M$198.47M$209.20M$205.96M$203.29M$198.04M$144.90M$142.19M
    Cost of Revenue$1.60M$1.40M$43.98M$47.25M$51.72M$50.31M$57.09M$63.24M$60.63M$55.23MN/AN/A
    Gross Profit$158.30M$154.50M$159.07M$153.28M$146.28M$148.16M$152.12M$142.72M$142.66M$142.82M$144.90M$142.19M
    Operating Expenses$109.80M$90.50M$92.89M$90.77M$91.75M$93.22M$91.03M$88.77M$91.14M$88.53M$72.85M$142.19M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$47.21M$45.03M$47.96M$46.60M$45.44M$45.53M$46.89M$43.70M$43.85M$42.77M$24.17M$49.93M
    Operating Income$48.50M$64.00M$65.98M$62.51M$54.53M$54.94M$61.08M$53.96M$51.52M$54.28M$72.05M$49.13M
    Interest Income$136.57M$132.68M$136.78M$139.40M$140.91M$140.01M$145.45M$149.97M$147.58M$142.71M$139.56M$137.69M
    Interest Expense$40.97M$39.40M$44.15M$46.68M$51.51M$50.69M$56.81M$61.92M$60.15M$55.63M$52.63M$47.50M
    Income Before Tax$48.50M$64.00M$65.98M$62.51M$54.53M$54.94M$61.08M$53.96M$51.52M$54.28M$52.74M$49.13M
    Income Tax Expense$1.60M$1.40M$2.19M$1.45M$1.21M$1.18M$1.51M$1.24M$931,000$854,000$-799,000$381,000
    Net Income$46.90M$62.60M$63.80M$61.10M$53.33M$53.76M$59.58M$52.72M$50.59M$53.43M$53.54M$48.75M
    EBITDA$56.25M$77.53M$73.39M$71.75M$62.16M$67.51M$69.29M$67.94M$77.37M$48.41M$9.36M$58.22M
    EBIT$48.49M$63.98M$66.00M$62.51M$54.53M$54.94M$61.08M$53.96M$51.52M$54.28M$0$49.13M
    * Some calculated fields are derived from available data when not provided by source

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    News

    The Bank of N.T. Butterfield & Son Limited (NTB) Options Chain

    This article displays the options chain for The Bank of N.T. Butterfield & Son Limited (NTB), listing both call and put options. It includes details such as strike prices, last trade dates, last prices, bid/ask, volume...

    Yahoo! Finance Canada•10/15/26•Neutral

    Strong Profitability Outlook Might Change The Case For Investing In Butterfield Bank Stock (NTB)

    Butterfield Bank (NTB) recently released its Q3 2026 results, highlighting its profitability profile and capital position...

    Simply Wall Street•10/15/26•Somewhat-Bullish

    Butterfield to Announce Third Quarter 2026 Financial Results on October 27, 2026 and Host Earnings Conference Call on October 28, 2026

    The Bank of N.T. Butterfield & Son Limited (Butterfield) will release its third-quarter 2026 financial results on October 27, 2026...

    Yahoo Finance•10/13/26•Neutral

    Is Bank Of N.T. Butterfield & Son (NTB) Undervalued On Its CIBC Caribbean Deal?

    Bank of N.T. Butterfield & Son (NTB) has seen recent share price softness but remains up year-to-date and over the past year. The stock is considered undervalued by analysts...

    Simply Wall Street•10/13/26•Somewhat-Bullish

    3 Financial Stocks Worth Watching As 5% Treasury Yields Reset Investor Choices

    The article identifies three financial stocks—Bank of N.T. Butterfield & Son (NTB), Nasdaq (

    Simply Wall Street•10/13/26•Somewhat-Bullish

    NTB Valuation and Fair Value

    P/E
    9.4x
    P/FCF
    11.2x
    PEG
    2.0x
    P/B
    2.1x
    See GNG's fair value

    NTB Profitability: Margins, ROIC and FCF

    Gross margin
    86.9%
    Operating margin
    32.1%
    Net margin
    37.5%
    ROE
    21.1%
    FCF margin
    29.2%
    FCF yield
    8.9%

    NTB Competitors

    CompanyTicker
    WaFd, Inc.WAFDP
    Artisan Partners Asset Management IncAPAM
    Stock Yards Bancorp IncSYBT
    WesBanco IncWSBCP
    First Busey CorpBUSE
    LendingClub CorpLC
    Banner CorporationBANR
    Upstart Holdings IncUPST

    Sector: Financial Services

    NTB Analyst Ratings

    Consensus
    Buy
    Analysts
    4
    Strong Buy
    1
    Buy
    1
    Hold
    2
    Sell
    0
    Strong Sell
    0

    NTB Bull Case vs Bear Case

    Bull case

    • NTB converts 29.2% of revenue into free cash flow.
    • NTB has a 37.5% net profit margin.
    • NTB beat EPS estimates in 100.0% of its last 8 reported quarters.

    NTB Earnings: Beat Rate and Next Report

    Beat rate
    8 of 8 quarters (100.0%)
    Average surprise
    9.5%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $1.57
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    1 up, 0 down

    NTB Dividend

    Forward yield
    3.4%
    Payout ratio
    34.5%
    3Y DPS growth
    2.2%
    5Y DPS growth
    1.3%
    Pay months
    Mar, May, Aug, Nov
    NTB dividend history

    Frequently Asked Questions About NTB

    What is NTB's current dividend yield?

    Bank of N.T. Butterfield & Son Ltd (NTB) has a forward dividend yield of 3.43%.

    Does NTB pay dividends?

    Yes, Bank of N.T. Butterfield & Son Ltd pays dividends with a forward dividend yield of 3.43%.

    What is NTB's P/E ratio?

    Bank of N.T. Butterfield & Son Ltd has a price-to-earnings (P/E) ratio of 9.43.

    What is NTB's market cap?

    Bank of N.T. Butterfield & Son Ltd (NTB) has a market capitalization of $2.30B with a current stock price of $58.30.

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