NTB Stock Analysis: Buy, Sell, or Hold?
NTB - The Bank of N.T. Butterfield & Son Limited
$62.23
0.08 (0.13%)
▲
5d:
+3.87%
30d:
+2.67%
90d:
+13.64%
HOLD
MODERATE Confidence
Analysis Updated: Aug 3, 2026 12:00 AM ET
Earnings: Jul 27, 2026
0d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: NTB shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: NTB shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$96.70
Based on 9.4% avg growth
INTRINSIC VALUE TODAY
$60.04
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 8.6x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: NTB is currently trading at $62.23, which is considered extended relative to its 30-day fair value range of $59.96 to $61.51. The stock's valuation (Forward PE: 8.6) is in line with its historical norms (8.6). At these levels, the market is pricing in 0.2% annual earnings growth.
Technical Outlook: Technically, NTB is in a strong uptrend. The price is approaching resistance at $62.45. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, NTB is in a strong uptrend. The price is approaching resistance at $62.45. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$59.96 -
$61.51
Company Quality Score
50/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
49.5%
All Signals
- BEARISH: Price extended above range
- NEUTRAL: Mixed technical signals (55/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($64.00)
- BULLISH: Expecting earnings turnaround to 0.2% growth with 8.2% revenue growth
Trading Range Analysis
30-Day Trading Range
$59.96 -
$61.51
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$59.26
Resistance Level
$62.45
Current Trend
Strong Uptrend
Technical data as of
Aug 3, 2026
Fundamental Context
Forward P/E (Next Year Est.)
8.62
Wall Street Target
$64.00
(+3.0%)
Revenue Growth (YoY)
8.2%
Earnings Growth (YoY)
-7.2%
Profit Margin
37.5%
Valuation Premium vs History
+0.2% premium
PE vs Historical
8.6 vs 8.6
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+0.2%
(market-implied from PE analysis)
1-Year Target
$62.27
(+0%)
2-Year Target
$62.40
(+0%)
3-Year Target
$62.52
(+1%)
3-Yr Target (if PE normalizes)
(PE: 9→9)
PE COMPRESSION
$62.41
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.7, Growth: 14.7%)
$225.52
(+263%)
Base:
(SPY PE: 8.6, Growth: 14.7%)
$93.73
(+51%)
Bear:
(PE: 7.3, Growth: 14.7%)
$79.67
(+28%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (11x PE), but valuation improves significantly next year (9x PE) as earnings recover.
Trailing PE: 10.79 | Current EPS (TTM): $5.68
Bull Case
$85.62
(+38%)
Analyst growth 27.0%, PE expands to 11.9
Base Case
$77.84
(+25%)
Market implied 27.0%, PE stable at 10.8
Bear Case
$41.68
(-33%)
Severe decline -20.0%, PE contracts to 9.2
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 04, 2026 12:31 PM ET
Data refreshes hourly during market hours. Next update: 1:31 PM
Data refreshes hourly during market hours. Next update: 1:31 PM
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Technical Signals Check
Is NTB showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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