NTB
The Bank of N.T. Butterfield & Son Limited
Commercial Banks, NEC
Best Commercial Banks Stocks 2026 →
NTB Stock Analysis: Buy, Sell, or Hold?
$56.55
+0.58 (+1.04%)
â˛
5d:
+1.91%
30d:
-3.13%
90d:
-11.39%
QUANTITATIVE VERDICT
WAIT
LOW Confidence (88%)
Quality Score
51/100
Position
SLIGHTLY LOW
30-Day Fair Range
$56.07 â $59.34
Position: SLIGHTLY LOW
Forward P/E & Valuation
7.7x
FAIR
vs 8.4x historical avg
Wall Street Target
$66.00
+16.7% upside
Options IV & Volume
HIGH Vol
HIGH volume confirmation
Support / Resistance
$54.42 / $58.77
Trend: Downtrend
Executive Thesis & Bottom Line
Forward Earnings Fair Value & Price Prediction →
âšī¸ NEUTRAL: NTB is fairly priced but lacks strong directional signals. At -2.9% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
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Interactive Price Chart (1 Month)
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Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$99.63
Based on 10.2% avg growth
INTRINSIC VALUE TODAY
$61.86
8.6% 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 8.4x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: NTB is currently trading at $56.55, which is considered slightly low relative to its 30-day fair value range of $56.07 to $59.34. The stock's valuation (Forward PE: 7.7) is in line with its historical norms (8.4). Remarkably, the market is currently pricing in an annual earnings decline of 2.9% over the next few years. This pessimistic expectation contrasts with the company's recent 2.7% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, NTB is in a downtrend. Immediate support is located at $54.42, while resistance sits at $58.77.
Market Sentiment: NTB scores 70/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $66.00 (+16.7%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, NTB is in a downtrend. Immediate support is located at $54.42, while resistance sits at $58.77.
Market Sentiment: NTB scores 70/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $66.00 (+16.7%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
SLIGHTLY LOW
Historical Trading Range
$56.07 -
$59.34
Company Quality Score
51/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
88.1%
Trading Range & Key Levels
30-Day Trading Range
$56.07 -
$59.34
Current vs Trading Range
SLIGHTLY LOW
Support Level
$54.42
Resistance Level
$58.77
Current Trend
Downtrend
Technical data as of
Nov 11, 2026
Quantitative Signal Breakdown
- BULLISH: Price oversold vs 30-day range
- BULLISH: Strong technical setup (70/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($66.00)
- WARNING: Composite score 51/100 in the bottom quintile â this cohort historically lags the market
Fundamental Context
Forward P/E (Next Year Est.)
7.72
Wall Street Target
$66.00
(+16.7%)
Revenue Growth (YoY)
5.7%
Earnings Growth (YoY)
2.7%
Profit Margin
37.0%
Valuation Discount vs History
-2.9% cheaper
PE vs Historical
7.7 vs 8.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-2.9%
(market-implied from PE analysis)
1-Year Target
$54.91
(-3%)
2-Year Target
$53.32
(-6%)
3-Year Target
$51.77
(-9%)
3-Yr Target (if PE normalizes)
(PE: 8â8)
$56.34
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 16.4%)
$229.23
(+305%)
Base:
(SPY PE: 7.7, Growth: 16.4%)
$89.09
(+58%)
Bear:
(PE: 6.6, Growth: 16.4%)
$75.72
(+34%)
đ
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: 9.75 | Current EPS (TTM): $5.74
Bull Case
$78.59
(+39%)
Analyst growth 27.6%, PE expands to 10.7
Base Case
$71.44
(+26%)
Market implied 27.6%, PE stable at 9.8
Bear Case
$38.06
(-33%)
Severe decline -20.0%, PE contracts to 8.3
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
đĄ
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 7.7 to 8.4
Stabilization Target:
$61.54
(+8.8%)
PE Expansion Potential:
+8.8%
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bloggers & journalists: you are free to use our charts with attribution.Reddit & Retail Trader Sentiment (NTB)
Bullish
2 Retail Mentions
Reddit / WSB Comments
1
Bearish
StockTwits Volume
1 msgs
24h retail stream
Last Tracked
Oct 27, 2026
Daily AI digest
AI Retail Discussion Summary:
Trader on StockTwits expresses bullish sentiment towards $NTB ahead of earnings report, citing a strong earnings beat track record.
Key Retail Themes:
earnings reports
stock performance
analyst expectations
Aggregated from r/wallstreetbets, r/stocks & StockTwits streams.
View All Trending Reddit & WSB Stocks →
Last updated: November 12, 2026 3:42 AM ET
Data refreshes hourly during market hours. Next update: 4:42 AM
Data refreshes hourly during market hours. Next update: 4:42 AM
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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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