Bank of N.T. Butterfield & Son Limited Voting (NTB) carries a Roarable Rating of C+ (Hold) with 67/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.
As of 2026-11-02, Bank of N.T. Butterfield & Son Limited Voting (NYSE: NTB) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 67/100 at a spot price of $56.15 (-2.01% 1D, market cap $2.29B). Pillar breakdown: Fundamental Cash Engine 16/20, Institutional 13F & Options Flow 7/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 14/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, NTB ranks #211 in composite RQD confidence.
Within the Financials sector (Commercial Banks), NTB carries a Roarable C+ (67/100 RQD), trailing P/E of 9.9x, gross margin of —, and ROIC of 20.3%. By comparison, BBAR (Banco BBVA Argentina S.A. ADS) holds a D- grade (43/100 RQD, P/E N/A, ROIC —, cap $2.44B) and BLX (Bladex Inc. Class E) posts a D grade (48/100 RQD, P/E N/A, ROIC —, cap $1.98B). Among the 5-stock peer group, NTB leads on earnings multiple (9.9x) while NTB leads on capital efficiency (20.3% ROIC).
Per NTB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001653242), Bank of N.T. Butterfield & Son Limited Voting generated $606.8M in revenue (+4.6% YoY), $231.9M in net income, and $279.6M in free cash flow against $14.09B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)
SEC XBRL FY 2025 (10-K): 46.1% FCF Margin ($279.6M FCF) & 52% Gross Margin
Put hedging (50% put share) caps near-term gamma upside (-13 pts vs max)
Even with a 67/100 (C+) score, NTB faces multiple-compression risk if 9.9x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($58.92) or 200D SMA ($56.74) invalidates the momentum regime and cuts Target Base ($58.42) toward Bear Floor ($45.57).
Bank of N.T. Butterfield & Son Limited Voting (NTB) dropped -2.01% to $56.15, trading at 60% of its 52-week range ($44.36 – $64.17). Solid steady margins (20% return on capital), mixed timing at 10x P/E—hold if owned, no rush to chase.
Butterfield Bank’s third quarter was marked by steady revenue and profit growth, but the market responded negatively following the results. Management attributed performance to higher banking fee income, stronger foreign
Bank of N.T. Butterfield & Son reported Q3 2026 earnings per share of US$1.50 on a GAAP basis, affirmed a US$0.50 quarterly dividend for payment on November 25, 2026, and outlined steady margins despite deposit outflows
Bank of N.T. Butterfield & Son has delivered a very strong 3 year share price run, so the key issue now is whether that performance lines up with what its earnings can support. After a recent pullback, investors are aski
Bank of N.T. Butterfield & Son (NYSE:NTB) just paired fresh third quarter earnings with a renewed quarterly dividend of US$0.50 per share, giving investors new information on both profitability and cash returns. Despite
Conservative lending practices and a planned deposit normalization position the bank to sustain returns through market cycles.
Bank of N.T. Butterfield & Son (NYSE:NTB) reported third-quarter 2026 net income of $61 million, or $1.50 per share, as net interest income and fee-based revenue increased. Core net income was $64.2 million, or $1.58 per
HAMILTON, Bermuda (AP) — HAMILTON, Bermuda (AP) — Bank of NT Butterfield & Son Ltd. (NTB) on Tuesday reported net income of $61 million in its third quarter.
The Bank of N.T. Butterfield & Son Limited (NTB) Q3 2026 Earnings Call October 28, 2026 10:00 AM EDTCompany ParticipantsNoah Fields - Head of Investor...
Moby summary of The Bank of N.T. Butterfield & Son Limited's Q3 2026 earnings call
Bank of N.T Butterfield (NYSE:NTB) reported third-quarter financial results on Wednesday. The transcript from the company’s third-quarter earnings call has been provided below.This transcript is brought to you by
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +4.6% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on NTB today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for NTB. Explore sector supply chains on /butterfly.
Across 1096 tracked Financials securities in the Roarable RQD universe, Bank of N.T. Butterfield & Son Limited Voting (NTB) ranks #211 by composite RQD confidence (67/100, grade C+) and #410 by equity capitalization ($2.29B). Within this direct 5-issuer industry benchmark cohort, NTB leads on earnings valuation at 9.9x trailing P/E, while NTB leads on capital efficiency and profitability with 20.3% ROIC and — gross margin. NTB currently leads its immediate peer cohort in composite quantitative strength at 67/100 (C+).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| NTB
ACTIVE
Bank of N.T. Butterfield & Son Limited Voting | C+ | 67/100 | 9.9x | — | 20.3% | -2.01% | $2.29B | Benchmark Subject |
| BBAR Banco BBVA Argentina S.A. ADS | D- | 43/100 | — | — | — | -2.76% | $2.44B | /bbar-vs-ntb → |
| BLX Bladex Inc. Class E | D | 48/100 | — | — | — | -6.92% | $1.98B | /blx-vs-ntb → |
| INTR Inter & Co. Inc. (Class A) | D | 45/100 | — | — | — | -3.84% | $1.84B | /intr-vs-ntb → |
| ESQ Esquire Financial Holdings Inc. | C- | 61/100 | — | — | — | -2.15% | $1.55B | /esq-vs-ntb → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), Bank of N.T. Butterfield & Son Limited Voting (NTB) reported GAAP revenue of $606.8M (+4.6% vs. FY2024 revenue of $579.9M , and +4.9% cumulative change since FY2023) , GAAP net income of $231.9M, operating cash flow of $279.6M, and free cash flow of $279.6M (+5.3% YoY). On the balance sheet, NTB closed FY2025 with $14.09B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $606.8M | $231.9M | $279.6M | $279.6M | $14.09B | — |
| FY2024 (FY) | 2024-12-31 | $579.9M | $216.3M | $265.4M | $265.4M | $14.23B | — |
| FY2023 (FY) | 2023-12-31 | $578.6M | $225.5M | $300.3M | $300.3M | — | — |
As of 2026-11-02, Bank of N.T. Butterfield & Son Limited Voting (NYSE: NTB) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 67/100 at a spot price of $56.15 (-2.01% 1D, market cap $2.29B). Pillar breakdown: Fundamental Cash Engine 16/20, Institutional 13F & Options Flow 7/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 14/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, NTB ranks #211 in composite RQD confidence.
Within the Financials sector (Commercial Banks), NTB carries a Roarable C+ (67/100 RQD), trailing P/E of 9.9x, gross margin of —, and ROIC of 20.3%. By comparison, BBAR (Banco BBVA Argentina S.A. ADS) holds a D- grade (43/100 RQD, P/E N/A, ROIC —, cap $2.44B) and BLX (Bladex Inc. Class E) posts a D grade (48/100 RQD, P/E N/A, ROIC —, cap $1.98B). Among the 5-stock peer group, NTB leads on earnings multiple (9.9x) while NTB leads on capital efficiency (20.3% ROIC).
Per NTB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001653242), Bank of N.T. Butterfield & Son Limited Voting generated $606.8M in revenue (+4.6% YoY), $231.9M in net income, and $279.6M in free cash flow against $14.09B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
NTB last traded at $56.15 (-2.01% on volume of 175,740 shares), positioning the stock -4.70% below its 50-day simple moving average ($58.92) and -1.04% below its 200-day simple moving average ($56.74). Across its 52-week range of $44.36 to $64.17, NTB sits at the 59.5% percentile with a 14-day RSI of 42.1 (NEUTRAL RANGE) and an implied next-earnings move of ±3.9% ($53.96 to $58.34).
Why NTB Stock dropped -2.01% Today — RQD Quant Desk Flash. Solid steady margins (20% return on capital), mixed timing at 10x P/E—hold if owned, no rush to chase.
Per the Roarable RQD rating, NTB scores 67 out of 100 for a letter grade of C+ and a verdict of "Roarable Hold — Upper Neutral / Watch for Breakout." The five pillars are:
For a prospective investor, the profile is one of solid cash generation and insider interest offset by weak institutional flow and a middling balance sheet read. The grade signals a neutral stance with the caveat to watch for a breakout, meaning the framework sees the outcome as balanced rather than directional. Valuation tradeoffs are visible in the market data: a P/E (TTM) of 9.9 and forward P/E of 9.2 are low on the source figures, but low multiples alone do not resolve whether the market is mispricing the business or correctly reflecting its risks.
| Period | Revenue | Operating Income | Net Income | EPS | FCF | Cash | Debt |
|---|---|---|---|---|---|---|---|
| FY 2025 | $606.8M | $0.0M | $231.9M | N/A | $279.6M | $1708.9M | N/A |
| FY 2024 | $579.9M | $0.0M | $216.3M | N/A | $265.4M | $1998.1M | N/A |
| FY 2023 | $578.6M | $0.0M | $225.5M | N/A | $300.3M | N/A | N/A |
Per the SEC financials, revenue rose from $578.6M in FY 2023 to $606.8M in FY 2025, while net income moved from $225.5M to $231.9M over the same span with a dip to $216.3M in FY 2024. Per the market data, net margin is 38.2% and ROIC is 20.3%, and per the RQD rating the Altman Z-Score is 2.5 and the Piotroski F-Score is 6/9. Per the RQD rating, Debt/Equity is 0.5. Operating margin and gross margin are reported as 0% in the market data, which does not match a meaningful operating income figure and should be read as a data limitation rather than a finding. Cash declined from $1998.1M in FY 2024 to $1708.9M in FY 2025.
Real-time company headlines, analyst actions, and sector developments for Bank of N.T. Butterfield & Son Limited Voting (NTB) • Click "Debate This Headline" to argue it in the Roar Pit below
Butterfield Bank’s third quarter was marked by steady revenue and profit growth, but the market responded negatively following the results. Management attributed performance to higher banking fee income, stronger foreign
Bank of N.T. Butterfield & Son reported Q3 2026 earnings per share of US$1.50 on a GAAP basis, affirmed a US$0.50 quarterly dividend for payment on November 25, 2026, and outlined steady margins despite deposit outflows
Bank of N.T. Butterfield & Son has delivered a very strong 3 year share price run, so the key issue now is whether that performance lines up with what its earnings can support. After a recent pullback, investors are aski
Bank of N.T. Butterfield & Son (NYSE:NTB) just paired fresh third quarter earnings with a renewed quarterly dividend of US$0.50 per share, giving investors new information on both profitability and cash returns. Despite
Conservative lending practices and a planned deposit normalization position the bank to sustain returns through market cycles.
Bank of N.T. Butterfield & Son (NYSE:NTB) reported third-quarter 2026 net income of $61 million, or $1.50 per share, as net interest income and fee-based revenue increased. Core net income was $64.2 million, or $1.58 per
HAMILTON, Bermuda (AP) — HAMILTON, Bermuda (AP) — Bank of NT Butterfield & Son Ltd. (NTB) on Tuesday reported net income of $61 million in its third quarter.
The Bank of N.T. Butterfield & Son Limited (NTB) Q3 2026 Earnings Call October 28, 2026 10:00 AM EDTCompany ParticipantsNoah Fields - Head of Investor...
Welcome to the NTB (Bank of N.T. Butterfield & Son Limited Voting) Roar Pit. Current RQD Composite is 67/100 (Roarable Hold — Upper Neutral / Watch for Breakout) in Commercial Banks. Bulls point to capital efficiency (20.3% ROIC), while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.
Everyone in here is repeating the bull case on NTB, but look at what you are paying: 9.9x trailing P/E with tightening sector spreads. Unless Bank of N.T. Butterfield & Son Limited Voting expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.
Looking at the 5-pillar RQD breakdown on NTB, the market is fixating on short-term headline noise in Commercial Banks and ignoring the balance sheet and cash flow trajectory. At $57.30 (52-wk range $44.36 - $64.17), any beat on forward guidance forces shorts and underweight funds to chase.
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