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The Bank of N.T. Butterfield & Son Limited NTB NYSE

NYSE • Financial Services • Banks - Diversified • BM • USD

SharesGrow Score
67/100
4/7 Pass
SharesGrow Intrinsic Value
$149.17
+166.8%
Analyst Price Target
$57.00
+1.9%

The Bank of N.T. Butterfield & Son Limited (NTB) is a Banks - Diversified company in the Financial Services sector, currently trading at $55.92. It has a SharesGrow Score of 67/100, indicating a above average investment profile with 4 out of 7 criteria passed.

SharesGrow calculates the intrinsic value of NTB = $149.17 (+166.8% from the current price, the stock appears undervalued). Analyst consensus target is NTB = $57 (+1.9% upside).

Valuation: NTB trades at a trailing Price-to-Earnings (P/E) of 10 (S&P 500 average ~25) with a forward Price/Earnings-to-Growth (PEG) of 1.06.

Financials: revenue is $800M, +14.3%/yr average growth. Net income is $232M, growing at +2.8%/yr. Net profit margin is 29% (strong). Gross margin is 75.9% (-24.1 pp trend).

Balance sheet: total debt is $39M against $1.1B equity (Debt-to-Equity (D/E) ratio 0.03, conservative). Current ratio is 516.92 (strong liquidity). Debt-to-assets is 0.3%. Total assets: $14.1B.

Analyst outlook: 3 / 7 analysts rate NTB as buy (43%) — mixed sentiment.

SharesGrow 7-Criteria breakdown: Value 67/100 (Pass), Growth 63/100 (Pass), Past 100/100 (Pass), Health 67/100 (Partial), Moat 55/100 (Partial), Future 34/100 (Fail), Income 85/100 (Pass).

$57.00
▲ 1.93% Upside
Average Price Target
The 12-month price target for The Bank of N.T. Butterfield & Son Limited is $57.00.

NTB SharesGrow Score Overview

67/100
SharesGrow Score
Above average fundamentals
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VALUE 67/100
Valuation — P/E, PEG, Forward PEG
GROWTH 63/100
Financials — average growth
PAST 100/100
strong — trend
HEALTH 67/100
Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is
MOAT 55/100
Gross margin is + market cap
FUTURE 34/100
Analyst outlook — as buy
INCOME 85/100
Net profit margin is
Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — NTB

VALUE Pass
67/100
NTB trades at a trailing Price-to-Earnings (P/E) of 10 (S&P 500 average ~25). Forward PEG 1.06 — ~moderate (~1.5). Trailing PEG 2.58. Analyst consensus target is $57, implying +1.9% from the current price $56. Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.
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GROWTH Pass
63/100
NTB: +14.3%/yr revenue is, +2.8%/yr Net income is average growth. mixed. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.
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PAST Pass
100/100
NTB: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.
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~
HEALTH Partial
67/100
Balance sheet NTB: Debt-to-Equity (D/E) ratio 0.03 (conservative), Current ratio is 516.92 (strong liquidity). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.
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~
MOAT Partial
55/100
NTB: Gross margin is 75.9% (-24.1 pp trend), $2B market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 55/100. ≥ 70 = Pass.
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FUTURE Fail
34/100
Analyst outlook: 3 / 7 analysts rate NTB as buy (43%). Analyst consensus target is $57 (+1.9% upside). Score: 60% buy consensus + 40% upside. ≥ 60 = Pass.
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INCOME Pass
85/100
NTB: Net profit margin is 29%. healthy (≥15%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.
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Stock Chart & Stats

Market Data
52-Week Range34.855-55.84
Volume119.88K
Avg Volume (30D)165.65K
Market Cap$2.3B
Beta (1Y)0.50
Dividend Yield$1.9400
Share Statistics
EPS (TTM)5.61
Shares Outstanding$41.64M
IPO Date2016-09-16
Employees1,295
CEOMichael Weld Collins
Financial Highlights & Ratios
Revenue (TTM)$799.84M
Gross Profit$606.7M
EBITDA$266.79M
Net Income$231.9M
Operating Income$238M
Total Cash$2.7B
Total Debt$38.72M
Net Debt$-1.57B
Total Assets$14.1B
Price / Earnings (P/E)10
Price / Sales (P/S)2.88
Analyst Forecast
1Y Price Target$57.00
Target High$57.00
Target Low$57.00
Upside+1.9%
Rating ConsensusHold
Analysts Covering7
Buy 43% Hold 57% Sell 0%
Price Target Summary
Company Info
CountryBM
ExchangeNYSE
CurrencyUSD
ISINBMG0772R2087

Price Chart

NTB
The Bank of N.T. Butterfield & Son Limited  ·  NYSE
Financial Services • Banks - Diversified
34.86 52WK RANGE 55.84
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