NTB Stock Analysis: Buy, Sell, or Hold?
NTB - The Bank of N.T. Butterfield & Son Limited
$58.54
-0.07 (-0.12%)
▼
5d:
-7.02%
30d:
-4.02%
90d:
+4.52%
WAIT
LOW Confidence
Analysis Updated: Aug 24, 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:
📊 MIXED SIGNALS: NTB shows conflicting indicators. Wait for confirmation before entering.
📊 MIXED SIGNALS: NTB shows conflicting indicators. Wait for confirmation before entering.
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
2.5% Margin of Safety
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 $58.54, which is considered oversold relative to its 30-day fair value range of $59.91 to $62.89. The stock's valuation (Forward PE: 8.1) is in line with its historical norms (8.6). Remarkably, the market is currently pricing in an annual earnings decline of 1.8% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, NTB is in a strong uptrend. The price is currently testing key support at $58.38. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: NTB scores 28/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, NTB is in a strong uptrend. The price is currently testing key support at $58.38. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: NTB scores 28/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$59.91 -
$62.89
Company Quality Score
49/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
52.4%
All Signals
- BULLISH: Price oversold vs 30-day range
- BEARISH: Weak technical setup (28/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($64.00)
- WARNING: Composite score 49/100 in the bottom quintile — this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$59.91 -
$62.89
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$58.38
Resistance Level
$64.17
Current Trend
Strong Uptrend
Technical data as of
Aug 24, 2026
Fundamental Context
Forward P/E (Next Year Est.)
8.13
Wall Street Target
$64.00
(+9.2%)
Revenue Growth (YoY)
8.2%
Earnings Growth (YoY)
-7.2%
Profit Margin
37.5%
Valuation Discount vs History
-1.8% cheaper
PE vs Historical
8.1 vs 8.6
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-1.8%
(market-implied from PE analysis)
1-Year Target
$57.56
(-2%)
2-Year Target
$56.52
(-4%)
3-Year Target
$55.50
(-5%)
3-Yr Target (if PE normalizes)
(PE: 8→9)
$58.74
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.1, Growth: 14.7%)
$218.34
(+273%)
Base:
(SPY PE: 8.1, Growth: 14.7%)
$88.39
(+51%)
Bear:
(PE: 6.9, Growth: 14.7%)
$75.13
(+28%)
📈
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: 10.40 | Current EPS (TTM): $5.64
Bull Case
$82.53
(+41%)
Analyst growth 27.9%, PE expands to 11.4
Base Case
$75.02
(+28%)
Market implied 27.9%, PE stable at 10.4
Bear Case
$39.89
(-32%)
Severe decline -20.0%, PE contracts to 8.8
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 8.1 to 8.6
Stabilization Target:
$62.03
(+5.8%)
PE Expansion Potential:
+5.8%
Share & Embed Analysis
Last updated: August 24, 2026 4:40 PM ET
Data refreshes hourly during market hours. Next update: 5:40 PM
Data refreshes hourly during market hours. Next update: 5:40 PM
🔥 Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
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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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