NTB Stock Analysis: Buy, Sell, or Hold?
NTB - The Bank of N.T. Butterfield & Son Limited
$58.93
0.19 (0.32%)
▲
5d:
+0.8%
30d:
+5.04%
90d:
+13.79%
HOLD
MODERATE Confidence
Analysis Updated: Jun 23, 2026 12:00 AM ET
Earnings: Jul 27, 2026
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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
$94.06
Based on 9.2% avg growth
INTRINSIC VALUE TODAY
$58.40
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 $58.93, which is considered extended relative to its 30-day fair value range of $56.06 to $58.51. The stock's valuation (Forward PE: 8.3) is in line with its historical norms (8.6). Remarkably, the market is currently pricing in an annual earnings decline of 1.0% over the next few years. This pessimistic expectation contrasts with the company's recent 24.4% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, NTB is in a strong uptrend. The price is approaching resistance at $59.27. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: NTB has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. 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 $59.27. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: NTB has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. 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
$56.06 -
$58.51
Company Quality Score
66/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
57.1%
All Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($61.33)
Trading Range Analysis
30-Day Trading Range
$56.06 -
$58.51
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$55.60
Resistance Level
$59.27
Current Trend
Strong Uptrend
Technical data as of
Jun 9, 2026
Fundamental Context
Forward P/E (Next Year Est.)
8.34
Wall Street Target
$61.33
(+4.1%)
Revenue Growth (YoY)
4.3%
Earnings Growth (YoY)
24.4%
Profit Margin
39.3%
Valuation Discount vs History
-1.0% cheaper
PE vs Historical
8.3 vs 8.6
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-1.0%
(market-implied from PE analysis)
1-Year Target
$58.34
(-1%)
2-Year Target
$57.76
(-2%)
3-Year Target
$57.18
(-3%)
3-Yr Target (if PE normalizes)
(PE: 8→9)
$58.94
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 14.4%)
$230.43
(+291%)
Base:
(SPY PE: 8.3, Growth: 14.4%)
$88.27
(+50%)
Bear:
(PE: 7.1, Growth: 14.4%)
$75.03
(+27%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (10x PE), but valuation improves significantly next year (8x PE) as earnings recover.
Trailing PE: 10.18 | Current EPS (TTM): $5.77
Bull Case
$79.12
(+34%)
Analyst growth 22.4%, PE expands to 11.2
Base Case
$71.93
(+22%)
Market implied 22.4%, PE stable at 10.2
Bear Case
$39.96
(-32%)
Severe decline -20.0%, PE contracts to 8.7
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 8.3 to 8.6
Stabilization Target:
$60.74
(+3.1%)
PE Expansion Potential:
+3.1%
Share & Embed Analysis
Last updated: June 23, 2026 6:28 PM ET
Data refreshes hourly during market hours. Next update: 7:28 PM
Data refreshes hourly during market hours. Next update: 7:28 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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