Stocktoria
Bank of N.T. Butterfield & Son Ltd NTB
Bank of N.T. Butterfield & Son Ltd (NTB) earns a Piotroski F-score of 7/9 (strong financial health). It pays a dividend yielding 3.22% (safety: safe). FY2025 revenue was $606.8M at a 38.2% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Recent analyst actions
| Date | Firm | Rating |
|---|---|---|
| 2026-06-08 | Wells Fargo | Equal-Weight (main) |
| 2026-02-12 | Wells Fargo | Equal-Weight (main) |
| 2026-02-11 | Keefe, Bruyette & Woods | Market Perform (main) |
| 2025-10-30 | Keefe, Bruyette & Woods | Market Perform (main) |
| 2025-09-29 | Wells Fargo | Equal-Weight (down) |
| 2025-07-11 | Keefe, Bruyette & Woods | Market Perform (main) |
Wall Street analyst consensus — a sentiment gauge, not our scoring.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 7/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| NTB | Bank of N.T. Butterfield & Son Ltd | 7/9 | — | 10.4 | +4.6% |
| PGC | PEAPACK GLADSTONE FINANCIAL CORP | 6/9 | — | 22.8 | +24.1% |
| HDB | HDFC BANK LTD | 5/9 | — | — | +15.2% |
| MUFG | MITSUBISHI UFJ FINANCIAL GROUP INC | 4/9 | — | — | +9.5% |
| MFG | MIZUHO FINANCIAL GROUP INC | 4/9 | — | — | +7.6% |
| NMR | NOMURA HOLDINGS INC | 2/9 | — | — | +0.5% |
| IX | ORIX CORP | 7/9 | — | — | +15.9% |
All Finance, Insurance & Real Estate companies →
About Bank of N.T. Butterfield & Son Ltd
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.
FAQ
Is NTB financially healthy?
Bank of N.T. Butterfield & Son Ltd's Piotroski F-score is 7/9 (8–9 is excellent, 0–3 weak).
Does NTB pay a dividend, and is it safe?
Yes. Bank of N.T. Butterfield & Son Ltd pays a dividend yielding about 3.22% with a 33.5% payout ratio, rated “safe” for safety.
How profitable is NTB?
In FY2025, Bank of N.T. Butterfield & Son Ltd had a net margin of 38.2% and a return on equity of 20.3%.
Is NTB overvalued or undervalued?
Bank of N.T. Butterfield & Son Ltd trades at about 11.6× trailing earnings — above its 10-year norm (10-year range 6.6×–27.9×, median 10.1×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for NTB?
The average Wall-Street price target for Bank of N.T. Butterfield & Son Ltd is $61.33, about 3.4% below the recent price, from 3 analysts.
Is NTB a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on Bank of N.T. Butterfield & Son Ltd: a Piotroski F-score of 7/9, a P/E of about 10.4×, a dividend yield of 3.22%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.