US · NTB
The Bank of N.T. Butterfield & Son Limited
- Sector
- Financial Services · Banks - Diversified
- Headquarters
- Hamilton HM 12
- Website
- butterfieldgroup.com
Price · as of 2025-12-31
$55.63
Market cap 2.12B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $37.73 | -32.18% |
| Intrinsic Value(DCF) | $48.64 | -12.57% |
| Graham-Dodd Method(GD) | $26.67 | -52.07% |
| Graham Formula(GF) | — | — |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | |||||
| 2012 | |||||
| 2013 | $5.19 | $11.70 | |||
| 2014 | $15.75 | $50.41 | |||
| 2015 | $11.23 | $7.18 | |||
| 2016 | $21.62 | $27.55 | $0.00 | $15.67 | $39.48 |
| 2017 | $32.15 | $26.32 | $84.09 | $9.60 | $50.44 |
| 2018 | $25.83 | $52.50 | $72.54 | $10.52 | $75.72 |
| 2019 | $18.84 | $40.63 | $0.00 | $7.90 | $40.45 |
| 2020 | $31.68 | $39.57 | $0.00 | $7.10 | $8.09 |
| 2021 | $29.31 | $35.41 | $0.00 | $9.20 | $38.64 |
| 2022 | $26.04 | $50.23 | $0.00 | $12.14 | $101.95 |
| 2023 | $27.76 | $23.12 | $8.07 | $16.68 | $150.69 |
| 2024 | $35.80 | $25.70 | $33.34 | $19.64 | $72.08 |
| 2025 | $51.27 | $37.73 | $60.29 | $26.67 | $0.00 |
AI valuation
Our deep-learning model estimates The Bank of N.T. Butterfield & Son Limited's (NTB) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $37.73
- Current price
- $55.63
- AI upside
- -32.18%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$48.64
-12.57% upside
Graham-Dodd
$26.67
-52.07% upside
Graham Formula
—
— upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| NTB | The Bank of N.T. Butterfi… | $55.63 | 2.12B | -32% | -13% | -52% | — | 9.21 | 1.87 | 3.52 | -1.98 | 57.05 | 2.02 | 99.95% | 39.21% | 38.20% | 21.44% | -9.39% | 1.64% | 0.03 | — | 516.92 | 516.92 | -5.87 | 1614.00% | -2566.00% | 447.00% | 11.94% | 53.27 | -10.32% | 3.64% | 33.50% | 10.51% | -2.22 | -2.07 | -0.87 | 0.48 |
| BANR | Banner Corporation | $58.85 | 2.01B | -15% | -6% | -24% | -30% | 10.57 | 1.06 | 2.52 | 8.76 | 67.87 | 1.31 | 79.04% | 29.45% | 23.84% | 10.50% | 10.00% | 1.20% | 0.19 | 1.11 | 0.02 | 0.02 | 0.75 | 1557.00% | -95.00% | -5127.00% | 6.59% | 0.01 | 6.90% | 3.27% | 34.60% | 4.80% | 9.17 | 16.25 | 2.70 | -0.76 |
| BUSE | First Busey Corporation | $25.36 | 2.24B | -10% | +3,704% | +18% | +278% | 16.92 | 0.93 | 2.19 | 1.42 | — | 1.15 | 63.88% | 17.88% | 12.96% | 7.02% | 68.36% | 0.90% | 0.19 | 0.58 | 0.64 | 0.64 | 0.80 | -2576.00% | 5756.00% | 1207.00% | 8.41% | 0.05 | 97.33% | 0.00% | 0.00% | 0.00% | 1.55 | 1.51 | 0.28 | 0.11 |
| EFSC | Enterprise Financial Serv… | $57.10 | 2.11B | -16% | +92% | -48% | +87% | 10.57 | 1.04 | 2.33 | 6.59 | 106.39 | 1.33 | 68.43% | 31.10% | 22.07% | 10.42% | 12.52% | 1.22% | 0.00 | 1.08 | 0.01 | 0.01 | -0.71 | 994.00% | 1203.00% | -6842.00% | 3.56% | 0.01 | 4.71% | 4.77% | 50.40% | 5.43% | 6.77 | 25.35 | 2.11 | -0.73 |
| FBNC | First Bancorp | $56.79 | 2.35B | -37% | -17% | -50% | -51% | 21.59 | 1.45 | 4.41 | 1.79 | 47.30 | 2.07 | 70.11% | 26.56% | 20.45% | 7.16% | -16.27% | 0.89% | 0.05 | 0.91 | 0.24 | 0.24 | -0.47 | 4565.00% | 232.00% | 1042.00% | 7.93% | 0.02 | -26.94% | 1.55% | 33.60% | 1.60% | 1.92 | 1.46 | 0.51 | -0.38 |
| FRME | First Merchants Corporati… | $39.08 | 2.46B | -37% | -10% | -29% | -22% | 10.05 | 0.92 | 2.16 | 6.17 | 72.92 | 1.30 | 60.96% | 24.67% | 21.52% | 9.47% | 12.33% | 1.21% | 0.41 | 0.67 | 0.20 | 0.20 | 3.17 | 1378.00% | -32.00% | 655.00% | 12.49% | 0.04 | 15.48% | 3.73% | 37.50% | 5.80% | 6.87 | 6.28 | 1.70 | -0.11 |
| HTH | Hilltop Holdings Inc. | $37.43 | 2.3B | -30% | +203% | -13% | -6% | 14.50 | 1.11 | 1.48 | 10.10 | 28.04 | 1.27 | 78.42% | 13.60% | 10.19% | 7.60% | 18.67% | 1.03% | 0.49 | 0.64 | 0.24 | 0.24 | -0.76 | 5172.00% | 545.00% | -13564.00% | -3.96% | -0.02 | -10.32% | 1.89% | 27.40% | 9.55% | 10.10 | -23.48 | 1.37 | 0.08 |
| OFG | OFG Bancorp | $40.08 | 1.73B | -17% | -11% | -17% | +40% | 9.22 | 1.36 | 2.19 | 5.02 | 149.93 | 1.46 | 71.24% | 30.84% | 23.78% | 15.51% | -144.61% | 1.71% | 0.42 | 1.54 | 0.12 | 0.11 | -1.61 | 615.00% | 484.00% | -543.00% | 10.55% | 0.02 | -123.70% | 2.74% | 25.30% | 23.00% | 5.38 | 7.17 | 1.66 | -0.56 |
| OZK | Bank OZK | $46.56 | 5.21B | -14% | +79% | +76% | +29% | 7.36 | 0.86 | 1.88 | 6.13 | 1505.53 | 0.96 | 55.43% | 33.30% | 25.50% | 12.09% | 14.55% | 1.81% | 0.08 | 0.87 | 0.80 | 0.00 | 0.50 | 49.00% | 115.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 6.13 | — | 2.04 | 0.36 |
| PNFP | Pinnacle Financial Partne… | $90.76 | 6.98B | -38% | +1% | -18% | +56% | 16.94 | 1.25 | 2.82 | 2.43 | — | 1.76 | 49.08% | 20.37% | 16.65% | 7.62% | 39.84% | 0.94% | 0.39 | 0.44 | 0.21 | 0.21 | -1.19 | -1653.00% | 1532.00% | 10175.00% | 10.03% | 0.02 | 67.70% | 1.05% | 17.70% | 19.13% | 2.85 | 2.05 | 0.58 | -0.50 |
| SYBT | Stock Yards Bancorp, Inc. | $64.14 | 1.89B | -39% | +44% | -46% | +50% | 13.54 | 1.76 | 3.36 | 5.83 | 61.26 | 2.18 | 69.18% | 31.56% | 24.83% | 13.90% | 48.01% | 1.52% | 0.02 | 1.07 | 0.15 | 0.16 | -4.82 | 2211.00% | 1269.00% | -7091.00% | 2.04% | 0.01 | 13.25% | 1.95% | 26.50% | 69.23% | 5.83 | 26.84 | 1.84 | -0.26 |
About The Bank of N.T. Butterfield & Son Limited
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. It accepts retail and corporate checking, savings, term, and interest bearing and non-interest bearing deposits, as well as certificate of deposits. The company's lending portfolio includes residential mortgage lending, automobile lending, consumer financing, credit cards, overdraft facilities, commercial real estate lending, and commercial and industrial loans. It also offers investment products and services; and cash and liquidity management, foreign exchange, custody administration, and settlement services. In addition, the company provides personal and property/auto insurance products; letters of credit; and cash management, payroll, remote banking, money market, advisory, brokerage, trust, estate, company management, and fiduciary services. Further, it offers debit cards; automated teller machines; and personal and business deposit, merchant acquiring, and mobile and internet banking services. The company operates through offices in the Cayman Islands, Guernsey, Jersey, the United Kingdom, The Bahamas, Switzerland, Singapore, Mauritius, and Canada. It also operates through 3 branches in Bermuda and 4 branches in the Cayman Islands. The Bank of N.T. Butterfield & Son Limited was founded in 1858 and is headquartered in Hamilton, Bermuda.
- CEO
- Michael Weld Collins
- Employees
- 1.3K
- Beta
- 0.53
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($48.64 ÷ $55.63) − 1 = -12.57% (DCF, example).