Bank of N.T. Butterfield & Son Ltd (NTB) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Bank of N.T. Butterfield & Son Ltd stock (NTB) is currently trading at $51.55. Bank of N.T. Butterfield & Son Ltd PE ratio is 9.29. Bank of N.T. Butterfield & Son Ltd PS ratio (Price-to-Sales) is 3.45. Analyst consensus price target for NTB is $57.33. WallStSmart rates NTB as Buy.
- NTB PE ratio analysis and historical PE chart
- NTB PS ratio (Price-to-Sales) history and trend
- NTB intrinsic value — DCF, Graham Number, EPV models
- NTB stock price prediction 2025 2026 2027 2028 2029 2030
- NTB fair value vs current price
- NTB insider transactions and insider buying
- Is NTB undervalued or overvalued?
- Bank of N.T. Butterfield & Son Ltd financial analysis — revenue, earnings, cash flow
- NTB Piotroski F-Score and Altman Z-Score
- NTB analyst price target and Smart Rating
Bank of N.T. Butterfield & Son
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NTB Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Bank of N.T. Butterfield & Son Ltd (NTB)
NTB trades at a significant discount to its Graham intrinsic value of $240.24, offering a 78% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Bank of N.T. Butterfield & Son Ltd (NTB) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in return on equity, operating margin, price/book. Overall metrics suggest strong investment potential with favorable risk/reward.
Bank of N.T. Butterfield & Son Ltd (NTB) Key Strengths (7)
Keeps $32 of every $100 in revenue after operating costs
Keeps $38 of every $100 in revenue as net profit
74.72% of shares held by major funds and institutions
Every $100 of equity generates $21 in profit
Trading at 1.78x book value, attractively priced
Strong earnings growth at 23.20% per year
Mid-cap company balancing growth potential with stability
Supporting Valuation Data
Bank of N.T. Butterfield & Son Ltd (NTB) Areas to Watch (3)
Modest revenue growth at 6.90%
Growth is fairly priced, not cheap, not expensive
Revenue is fairly priced at 3.45x sales
Bank of N.T. Butterfield & Son Ltd (NTB) Detailed Analysis Report
Overall Assessment
This company scores 77/100 in our Smart Analysis, earning a B+ grade. Out of 10 metrics analyzed, 7 register as strengths (avg 8.9/10) while 3 fall into concern territory (avg 5.3/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, Institutional Own.. Valuation metrics including Price/Book (1.78) suggest the stock is attractively priced. Profitability is solid with Return on Equity at 21.40%, Operating Margin at 32.30%, Profit Margin at 38.20%. Growth metrics are encouraging with EPS Growth at 23.20%.
The Bear Case
The primary concerns are Revenue Growth, PEG Ratio, Price/Sales. Some valuation metrics including PEG Ratio (1.96), Price/Sales (3.45) suggest expensive pricing. Growth concerns include Revenue Growth at 6.90%, which may limit upside.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 21.40% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 6.90% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and Profit Margin makes a compelling case at current levels. The key risk is Revenue Growth, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B+ grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
NTB Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
NTB's Price-to-Sales ratio of 3.45x trades at a 26% premium to its historical average of 2.74x (83th percentile). The current valuation is 29% below its historical high of 4.85x set in Aug 2018, and 169% above its historical low of 1.28x in Mar 2020. Over the past 12 months, the PS ratio has expanded from ~2.0x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for Bank of N.T. Butterfield & Son Ltd (NTB) · FINANCIAL SERVICES › BANKS - DIVERSIFIED
The Big Picture
Bank of N.T. Butterfield & Son Ltd is a mature, profitable business with steady cash generation. Revenue reached 607M with 7% growth year-over-year. Profit margins are strong at 38.2%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 2140.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 38.2% and operating margin of 32.3% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Dividend sustainability with a current yield of 382.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - DIVERSIFIED industry trends, competitive moves, and regulatory changes that could impact Bank of N.T. Butterfield & Son Ltd.
Bottom Line
Bank of N.T. Butterfield & Son Ltd is a well-established business delivering consistent profitability with 38.2% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
Data sourced from SEC Form 4 filings
Last updated: 8:25:23 AM
About Bank of N.T. Butterfield & Son Ltd(NTB)
NYSE
FINANCIAL SERVICES
BANKS - DIVERSIFIED
USA
The Bank of NT Butterfield & Son Limited offers a variety of community, commercial and private banking services to individuals and small and medium-sized businesses. The company is headquartered in Hamilton, Bermuda.