BANK OF NT BUTTERFIELD & SON LTD (NTB)
Financials · diversified regional banking / offshore financial services · NYSE
A leading offshore bank and trust company providing specialized financial services to private and institutional clients across key international financial centers.
What BANK OF NT BUTTERFIELD & SON LTD does
The Bank of N.T. Butterfield & Son Limited is a Bermuda-headquartered offshore bank and trust company providing specialized banking, investment, and fiduciary services. It serves high-net-worth individuals and corporate clients, primarily operating in Bermuda, the Cayman Islands, the Channel Islands, and the UK. The company is currently expanding its footprint in the Caribbean region through the acquisition of CIBC Caribbean Bank Limited.
Themes: offshore banking, wealth management, private banking, Caribbean banking expansion
Fundamentals
- Price$58.61 as of 2026-08-21 close
- Market cap$2.5B as of 2026-08-24
- 1-year return+32.7% 2025-08-21 close $44.16 → 2026-08-21 close $58.61
- P/E10.66 as of 2026-08-24
- Net margin+40.1% as of 2026-08-24
- ROE+20.7% as of 2026-08-24
- Debt / equity0.00 as of 2026-08-24
- Revenue growth (YoY)+47.4% as of 2026-08-24
- Revenue CAGR (3y)+3.4% SEC XBRL
- Beta0.54 as of 2026-08-24
- Last reported earningsn/a no confirmed date — as a foreign private issuer it reports on Form 6-K, which carries no earnings item code
Dividend: yield +6.4%; at least 5 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.
How NTB compares in its sector
- price-to-earnings ratiobottom 25% 525 covered Financials peers, as of 2026-08-24
- net profit margintop 10% 538 covered Financials peers, as of 2026-08-24
- operating margintop 25% 534 covered Financials peers, as of 2026-08-24
- return on equitytop 25% 575 covered Financials peers, as of 2026-08-24
- 3-year revenue CAGRmiddle range 347 covered Financials peers
- indicated dividend yieldtop 25% 453 covered Financials peers, as of 2026-08-24
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Top 10 scores & list membership
NTB is not currently in any published Top 10 list. Its scores are below.
Long-term score
74.3 #14 of 987 scored · #11 of 191 in Financials
Financial health 98th (debt to equity 0) and profitability 79th (operating margin 40.5%, return on equity 20.7%); weakest is long-term trend (60th, a strong downtrend, with sellers in control).
Short-term score
46.2 #1053 of 1,704 scored · #191 of 277 in Financials
Catalysts 61st: open-market insider buys in 90 days 27, the analyst consensus rating is unchanged since the prior reading; volume and participation 58th: it gapped 3.9% above the previous close and has not traded back through the level it left behind — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed; weakest is setup 26th: no Elliott-wave labelling currently fits its swings.
Never in this list — passed over at the rebalances below
- Not selected 18 Aug 2026 despite rank 17: Financials already holds 4 of 10 (sector cap).
Scores as of 21 Aug 2026. Each bar is a percentile: how this company ranked against every company the score ranked, 0–100. A list is a published formula and its output, not a recommendation. Method version 2.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, NTB's dividend was covered by reported results (earnings payout 34%, operating-cash-flow payout 28%). This describes past coverage, not a forecast.
- Earnings payout34% dividends / net income
- Operating-cash-flow payout28% dividends / operating cash flow — capital spending was not reported, so this does not subtract it
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How BANK OF NT BUTTERFIELD & SON LTD looks technically
BANK OF NT BUTTERFIELD & SON LTD (NTB) is trading 8.8% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 666 trading days ago — a "golden cross", a bullish long-term signal. A strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 30, with sellers in control. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 34, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bearish about 4 trading days ago (its momentum flipped negative). It just made a new 20-day low, its first since 2026-06-24, breaking below its recent trading range.
Trend
8
| Distance from the 200-day | it is trading 8.8% above its 200-day average, the long-term trend line — a longer-term uptrend | +8.8% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $60.62 | $60.62 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $53.86 | $53.86 |
| Swing structure | each recent peak has been higher than the one before it and each dip has been shallower — the pattern chart-watchers call an uptrend, which describes where price has already been and not where it goes next | higher highs and higher lows |
| Last swing turn | its last significant turn was a swing high 8 calendar days ago — the swings before that are what the structure reading is measured on | 8 sessions |
| Wave structure | its recent swings can be read as a completed five-part upward sequence — the pattern Elliott-wave chartists call an impulse — which on that reading would now be due a pullback rather than more of the same; the labelling fails if price closes above 64.17. It is the only labelling that fits, though not with textbook proportions, and it describes the swings already printed, not what comes next. | possible five-wave upward sequence, complete (atypical proportions) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 666 trading days ago — a "golden cross", a bullish long-term signal | 666 sessions |
| Trend strength (14-day ADX) | a strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 30, with sellers in control | 30.2 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 34, neither overbought (above 70) nor oversold (below 30) | 34.4 |
|---|---|---|
| Position in its 14-day range | it is trading right at the bottom of its 14-day range ($58.38 to $64.17) — its "stochastic" reading is 4 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 4.0 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bearish about 4 trading days ago (its momentum flipped negative) | 4 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $64.17 | $64.17 |
|---|---|---|
| From the 52-week high | it is 8.7% below its 52-week high (its highest price of the past year) | -8.7% |
| Above the 52-week low | it is 44.4% above its 52-week low (its lowest price of the past year) | +44.4% |
| Below the 52-week high | it is 8.7% below its highest point of the past year | 8.7% |
| Since a 20-day breakout | it just made a new 20-day low, its first since 2026-06-24, breaking below its recent trading range | 1 session |
| Since a 55-day breakout | it made a new 55-day high about 6 trading days ago | 6 sessions |
| All-time high | its highest closing price on record is $64.17 (set on 2026-08-13) | $64.17 |
| Given back of the 52-week move | over the past year its closes ranged ($41.01 to $63.91), and it has given back roughly a quarter of its rise from last year’s low — 23% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $49.02 to $49.76. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 23.1% |
| From the all-time high | it is 8.7% below its all-time high | -8.7% |
| Nearest price level | it is trading 1.4% above a support level at $57.77 — a price it turned at twice since 2026-04-17, most recently on 2026-06-17. Since 2024-08-21 it has 17 such levels below the current price and 0 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -1.4% |
| All-time low | its lowest closing price on record is $13.76 (set on 2020-03-23) | $13.76 |
| Above the all-time low | it is 325.9% above its all-time low | +325.9% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are unusually wide versus its own recent history (wider than about 87% of the past ~6 months) | 87th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $1.23 between its high and its low — about 2.1% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $1.23 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $58.51 and $64.79 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $58.51 – $61.65 – $64.79 |
| Typical daily range (% of price) | its price moves about 2.1% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.1% |
| Stretch from the 200-day average | it is trading 3.9 daily ranges above its 200-day average price (8.8% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 3.9 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 0.65× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | not available for this company yet | n/a |
Candlestick patterns
2
| Since a doji | 6 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 6 sessions ago |
|---|---|---|
| Since a bullish engulfing | 5 sessions ago it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it | 5 sessions ago |
Price gaps
2
| Gap at the open | it opened on 2026-08-21 0.9% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | +0.9% |
|---|---|---|
| Open gap | it gapped 3.9% above the previous close 51 sessions ago and has not traded back through the level it left behind at 55.66 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed | +3.9% |
Price streaks
1
| Closing streak | it has closed lower 5 sessions in a row, a -8.29% move over the run — an unbroken run of down days, which describes what has already happened and says nothing about the next session | 5 sessions down |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 6.5 percentage points (the stock lost 4.2% while the market gained 2.3%) | -6.5% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 1.4 percentage points (the stock gained 4.5% while the market gained 3.1%) | +1.4% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 1.9 percentage points (the stock gained 9.2% while the market gained 11.1%) | -1.9% |
| vs market, 12 months | over the past 12 months this stock beat the market by 12.2 percentage points (the stock gained 32.7% while the market gained 20.5%) | +12.2% |
Signal agreement
2
| Bullish technical signals | 3 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, near the bottom of its 14-day range (oversold) — these describe past price behaviour, not a forecast | 3 of 9 |
|---|---|---|
| Bearish technical signals | 4 of the 9 technical signals we can compute for it are currently in a bearish state: a strong downtrend, with sellers in control, a fresh 20-day low, MACD momentum is negative, lagging the market over 6 months — these describe past price behaviour, not a forecast | 4 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading inside the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-16 and projected forward over today's price, the zone traders read as unresolved — neither side has established a trend, and the band is where that gets settled. The band itself is moderate, spanning 3.5% of the share price. | 0.0% |
|---|
Volume-weighted price
1
| Vs this year’s average price paid | the price is 5% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $55.98 — a volume-weighted average of daily closes over 155 sessions, not a true tick-by-tick VWAP. | +4.7% |
|---|
Price levels it has turned at before
NTB last closed at $58.61 on 2026-08-21. Since 2024-08-21 it has turned at 17 prices below its last close and 0 above; the 3 nearest below are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $57.77 | Support | 1.4% below the last close | turned there twice · 2026-04-17 to 2026-06-17 |
| $56.84 | Support | 3.0% below the last close | turned there three times · 2026-04-09 to 2026-05-11 |
| $55.72 | Support | 4.9% below the last close | turned there twice · 2026-02-11 to 2026-06-01 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a five-part upward sequence — what Elliott-wave chartists call an impulse — now complete.
This labelling fails — stops being a possible reading at all — if it closes above $64.17.
It is the only labelling that fits these swings, though its proportions are not the textbook ones. It was chosen from 2 labellings that survived the rules, counting shorter readings of the same bars.
This reading has stood for 2 trading days, since 2026-08-20.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · Broke down to a new 20-day low · MACD just crossed bearish (12/26/9) · On a losing streak (5+ lower closes in a row) · At the bottom of its 14-day range (stochastic below 20) · Trading inside the Ichimoku cloud | Learn: moving average · golden cross · adx · rsi · macd · breakout
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Mean price target$64.00 range $61.00 – $66.00; median $65.00
Analyst estimates, as of 2026-08-23. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for NTB
- Consensus EPS estimate$1.57 next reporting period, as of 2026-08-23
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Geopolitical and economic risks inherent to offshore banking jurisdictions.","Integration risks associated with the acquisition of CIBC Caribbean Bank Limited.","Regulatory and compliance risks common to international financial institutions."]
Insider activity (SEC Form 4)
1 open-market purchase and 9 open-market sales by insiders in the last 90 days.
- Last 30 days0 buys · 6 sells ($5M) — 6 selling insiders
- Last 90 days1 buy ($564940) · 9 sells ($8M) — 1 buying, 7 selling insiders
- Last 180 days1 buy ($564940) · 9 sells ($8M) — 1 buying, 7 selling insiders
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-08-05. As of 2026-08-24.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about NTB's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Short interest (FINRA)
NTB had 628,132 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
Short interest as a percent of shares outstanding is not shown for NTB because we do not hold a verified share count to divide it by. The reported figures above are unaffected.
- Reported short interest (shares) 628,132
- Prior settlement (shares) 646,311
- Reported change -2.81%
- Days to cover (reported) 3.69
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- HSBC (HSBC)
- Royal Bank of Canada (RY)
- Clarien Bank
- Capital G Bank
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
Compare NTB vs…
Frequently asked questions
What does BANK OF NT BUTTERFIELD & SON LTD (NTB) do?
The Bank of N.T. Butterfield & Son Limited is a Bermuda-headquartered offshore bank and trust company providing specialized banking, investment, and fiduciary services. It serves high-net-worth individuals and corporate clients, primarily operating in Bermuda, the Cayman Islands, the Channel Islands, and the UK. The company is currently expanding its footprint in the Caribbean region through the acquisition of CIBC Caribbean Bank Limited.
What sector is BANK OF NT BUTTERFIELD & SON LTD (NTB) in?
BANK OF NT BUTTERFIELD & SON LTD (NTB) is classified in the Financials sector. Its industry is diversified regional banking / offshore financial services. It trades on NYSE.
Does NTB pay a dividend?
Yes — BANK OF NT BUTTERFIELD & SON LTD (NTB) pays a dividend, with an indicated yield of about 6.39% and at least 5 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-08-24). Informational only — not financial advice.
Who are BANK OF NT BUTTERFIELD & SON LTD's (NTB) competitors?
Notable peers of BANK OF NT BUTTERFIELD & SON LTD (NTB) include HSBC, Royal Bank of Canada, Clarien Bank and Capital G Bank. This peer set is informational only — not financial advice.
Is BANK OF NT BUTTERFIELD & SON LTD (NTB) overbought or oversold right now?
BANK OF NT BUTTERFIELD & SON LTD (NTB) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 34, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on NTB come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.