BANK OF NT BUTTERFIELD & SON LTD (NTB)
Financials · Regional Banks · NYSE
A prominent offshore bank and wealth manager providing specialized financial services to private, corporate, and institutional clients across Bermuda, the Caribbean, and Europe.
What BANK OF NT BUTTERFIELD & SON LTD does
The Bank of N.T. Butterfield & Son Limited is a full-service bank and wealth manager headquartered in Bermuda, providing financial services primarily in Bermuda, the Cayman Islands, and the Channel Islands and the UK. Its core services include retail, private, and corporate banking, treasury services, investment management, trust and estate planning, and custody services. The company serves a diverse client base ranging from individuals and local businesses to captive insurers, hedge funds, and financial intermediaries.
Themes: offshore banking, wealth management, trust and fiduciary services, private banking, international financial services, corporate banking, mortgage lending, custody services
Fundamentals
- Price$57.85 as of 2026-10-08 close
- Market cap$2.5B date unknown (no dated share count)
- 1-year return+37.0% 2025-10-08 close $42.23 → 2026-10-08 close $57.85
- P/E10.17 as of 2026-10-08
- Net margin+38.2% FY2025, SEC XBRL
- ROE+20.3% FY2025, SEC XBRL
- Debt / equity0.00 as of 2026-09-03
- Revenue growth (YoY)+47.4% as of 2026-09-03
- Revenue CAGR (3y)+3.4% SEC XBRL
- Beta0.61 as of 2026-09-03
- 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 +3.4%; 10-year non-decreasing per-share dividend streak (SEC XBRL).
How NTB compares in its sector
- price-to-earnings ratiobottom 25% 513 covered Financials peers, as of 2026-10-08
- net profit margintop 25% 344 covered Financials peers, as of 2026-09-03
- return on equitytop 25% 559 covered Financials peers, as of 2026-09-03
- 3-year revenue CAGRmiddle range 347 covered Financials peers
- indicated dividend yieldmiddle range 468 covered Financials peers, as of 2026-09-03
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.
Top 10 score
Not scored for the top 10 list: it trades below our liquidity floor.
Left this list on 2 Oct 2026
- Left 2 Oct 2026: no longer eligible — it trades below our liquidity floor.
- Entered 1 Oct 2026: score 75.1, rank 5 (not compared with 1 Sep 2026 — those rows were scored under method version 3, this pass under 4, and the formula changed between them, so a score is only comparable within one version).
- Left 29 Sep 2026: no longer eligible — it trades below our liquidity floor.
- Entered 1 Sep 2026: score 75.6, rank 7 (not compared with 18 Aug 2026 — those rows were scored under method version 1, this pass under 3, and the formula changed between them, so a score is only comparable within one version).
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 8 Oct 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 4.
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 3.5% 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 699 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 31, with sellers in control. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 41, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bearish about 2 trading days ago (its momentum flipped negative). It made a new 20-day low about 2 trading days ago.
Trend
8
| Distance from the 200-day | it is trading 3.5% above its 200-day average, the long-term trend line — a longer-term uptrend | +3.5% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $60.04 | $60.04 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $55.90 | $55.90 |
| Swing structure | each recent peak has been lower than the one before it and each dip deeper — the pattern chart-watchers call a downtrend, which describes where price has already been and not where it goes next | lower highs and lower lows |
| Last swing turn | its last significant turn was a swing low 7 calendar days ago — the swings before that are what the structure reading is measured on | 7 sessions |
| Wave structure | its recent swings can be read as a completed three-part downward correction — a pullback in the A-B-C shape Elliott-wave chartists use; the labelling fails if price closes below 56.66. It is one of several labellings that fit, and it describes the swings already printed, not what comes next. The same swings also read as a five-part sequence in leg 4. | possible three-wave downward correction, complete (one of several readings) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 699 trading days ago — a "golden cross", a bullish long-term signal | 699 sessions |
| Trend strength (14-day ADX) | a strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 31, with sellers in control | 30.8 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 41, neither overbought (above 70) nor oversold (below 30) | 41.1 |
|---|---|---|
| Position in its 14-day range | it is trading in the lower half of its 14-day range ($56.66 to $59.62) — its "stochastic" reading is 40 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 slipping within that range over the last few sessions. | 40.3 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bearish about 2 trading days ago (its momentum flipped negative) | 2 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 9.8% below its 52-week high (its highest price of the past year) | -9.8% |
| Above the 52-week low | it is 42.5% above its 52-week low (its lowest price of the past year) | +42.5% |
| Below the 52-week high | it is 9.8% below its highest point of the past year | 9.8% |
| Since a 20-day breakout | it made a new 20-day low about 2 trading days ago | 2 sessions |
| Since a 55-day breakout | it made a new 55-day low about 2 trading days ago | 2 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 — 26% 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. | 26.5% |
| From the all-time high | it is 9.8% below its all-time high | -9.8% |
| Nearest price level | it is sitting right on a resistance level at $57.94 — a price it turned at four times since 2026-04-17, most recently on 2026-09-16. Since 2024-10-08 it has 15 such levels below the current price and 2 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | +0.2% |
| 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 320.4% above its all-time low | +320.4% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are narrower than usual versus its own recent 6-month history (tighter than about 79% of it) | 21st percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $1.03 between its high and its low — about 1.8% 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 | $1.03 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $57.41 and $60.15 — 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 | $57.41 – $58.78 – $60.15 |
| Typical daily range (% of price) | its price moves about 1.8% in a typical session — among the calmest in the catalog. 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 | 1.8% |
| Stretch from the 200-day average | it is trading 1.9 daily ranges above its 200-day average price (3.5% 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 | 1.9 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 | 0.79× |
|---|
Analyst
2
| Change in the average price target | analysts have raised their average price target by 2.1% since the prior reading | +2.1% |
|---|---|---|
| Change in the consensus rating | not available for this company yet | n/a |
Candlestick patterns
1
| Since a doji | 2 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 | 2 sessions ago |
|---|
Price gaps
1
| Gap at the open | it opened on 2026-10-08 at essentially the same price it closed at the session before — no meaningful overnight gap | 0.0% |
|---|
Price streaks
1
| Closing streak | it closed higher in its latest session, after a session that did not close higher — a single up day rather than a run | 1 session up |
|---|
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 5.5% while the market gained 1.0%) | -6.5% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 6.9 percentage points (the stock lost 3.1% while the market gained 3.8%) | -6.9% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 10.0 percentage points (the stock gained 7.4% while the market gained 17.5%) | -10.0% |
| vs market, 12 months | over the past 12 months this stock beat the market by 22.0 percentage points (the stock gained 37.0% while the market gained 15.0%) | +22.0% |
Signal agreement
2
| Bullish technical signals | 2 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 — these describe past price behaviour, not a forecast | 2 of 9 |
|---|---|---|
| Bearish technical signals | 5 of the 9 technical signals we can compute for it are currently in a bearish state: a fresh 20-day low, MACD momentum is negative, a strong downtrend, with sellers in control, lagging the market over 6 months, trading below the Ichimoku cloud — these describe past price behaviour, not a forecast | 5 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 3.9% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-01 and projected forward over today's price, the side traders read as an established downtrend, with the band above acting as the level that would have to be cleared. The band itself is thin, spanning 1.5% of the share price, which is taken to mean a barrier that gives way easily. | -3.9% |
|---|
Volume-weighted price
1
| Vs this year’s average price paid | the price is 2% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $56.48 — a volume-weighted average of daily closes over 188 sessions, not a true tick-by-tick VWAP. | +2.4% |
|---|
Price levels it has turned at before
NTB last closed at $57.85 on 2026-10-08. Since 2024-10-08 it has turned at 15 prices below its last close and 2 above; the 3 nearest below and the 2 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $57.94 | Resistance | 0.2% above the last close | turned there four times · 2026-04-17 to 2026-09-16 |
| $56.79 | Support | 1.8% below the last close | turned there four times · 2026-04-09 to 2026-10-01 |
| $55.72 | Support | 3.7% below the last close | turned there twice · 2026-02-11 to 2026-06-01 |
| $61.41 | Resistance | 6.2% above the last close | turned there twice · 2026-07-07 to 2026-09-08 |
| $54.18 | Support | 6.3% below the last close | turned there three times · 2026-02-20 to 2026-05-15 |
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 three-part downward correction — the A-B-C shape chartists use for a pullback — now complete.
This labelling fails — stops being a possible reading at all — if it closes below $56.66.
This is one of several labellings that fit the same swings, so treat it as a reading rather than the reading. It was chosen from 2 labellings that survived the rules, counting shorter readings of the same bars.
Alternate reading: The same swings also read as a five-part sequence in leg 4, which fails on a close above $58.26.
This reading has stood for 1 trading day, since 2026-10-08.
Read from daily closes as of 2026-10-08.
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) · Analyst price target recently RAISED · lagging the market · Least volatile (2% or less typical daily range) | Learn: moving average · golden cross · adx · rsi · macd · breakout
Based on daily closing prices as of 2026-10-08. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingBuy (2.25 mean, 1=Strong Buy…5=Strong Sell) — 3 analysts
- Mean price target$65.33 range $65.00 – $66.00; median $65.00
Analyst estimates, as of 2026-10-04. 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$1.58 next reporting period, as of 2026-10-04
- Estimate change, 30 days+$0.00667 (+0.4%) from $1.57, on 2026-08-30, 35-day window
- Readings revised upward13% of 8 comparable readings
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)
["Adverse economic conditions in Bermuda, Cayman Islands, and the Channel Islands affecting borrower credit quality and loan demand.","Sensitivity to changes in interest rates, yield curves, and government debt ratings (e.g., US sovereign credit ratings).","Operational risks related to reliance on specific geographic markets and regulatory/legal changes in these jurisdictions."]
Insider activity (SEC Form 4)
0 open-market purchases and 12 open-market sales by insiders in the last 90 days, of which we have read Form 4 filings through 2026-10-04. The 5 days since 2026-10-04 have not been checked yet.
- Last 90 days · read to 2026-10-040 buys · 12 sells ($20M) — 9 selling insiders
- Last 180 days · read to 2026-10-041 buy ($564940) · 15 sells ($23M) — 1 buying, 9 selling insiders
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-08-26. Based on Form 4 filings read through 2026-10-04; anything filed since is not yet included.
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 888,181 shares of reported short interest as of the 2026-09-15 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) 888,181
- Prior settlement (shares) 837,838
- Reported change 6.01%
- Days to cover (reported) 5.98
Reported to FINRA as of the 2026-09-15 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 Holdings (HSBC)
- Barclays
- NatWest Group
- Standard Chartered
- Local regional banks in Bermuda and Cayman Islands
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
Compare NTB vs…
BANK OF NT BUTTERFIELD & SON LTD is found in…
Frequently asked questions
What does BANK OF NT BUTTERFIELD & SON LTD (NTB) do?
The Bank of N.T. Butterfield & Son Limited is a full-service bank and wealth manager headquartered in Bermuda, providing financial services primarily in Bermuda, the Cayman Islands, and the Channel Islands and the UK. Its core services include retail, private, and corporate banking, treasury services, investment management, trust and estate planning, and custody services.
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 Regional Banks. 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 3.37% and 10-year non-decreasing per-share dividend streak (SEC EDGAR XBRL) (market data, as of 2026-09-03). 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 Holdings, Barclays, NatWest Group, Standard Chartered and Local regional banks in Bermuda and Cayman Islands. 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 41, in the neutral middle (as of 2026-10-08). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on NTB come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest; prices are market data, as of 2026-09-03; 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: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-08.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.