NTB Stock Analysis: Buy, Sell, or Hold?
NTB - The Bank of N.T. Butterfield & Son Limited
$60.24
0.19 (0.32%)
▲
5d:
-1.2%
30d:
-5.15%
90d:
+3.65%
HOLD
MODERATE Confidence
Analysis Updated: Sep 11, 2026 12:00 AM ET
Earnings: Oct 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
$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 $60.24, which is considered fair relative to its 30-day fair value range of $58.90 to $62.54. 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 0.8% 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 $58.65. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 53/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. 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 currently testing key support at $58.65. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 53/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. 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
FAIR
Historical Trading Range
$58.90 -
$62.54
Company Quality Score
60/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
67.6%
All Signals
- NEUTRAL: Price in fair range
- NEUTRAL: Mixed technical signals (53/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($64.00)
- NEUTRAL: Bottoming setup forming (53/100) — watch for confirmation
Trading Range Analysis
30-Day Trading Range
$58.90 -
$62.54
Current vs Trading Range
FAIR
Support & Resistance Levels
Support Level
$58.65
Resistance Level
$61.72
Current Trend
Strong Uptrend
Technical data as of
Sep 11, 2026
Fundamental Context
Forward P/E (Next Year Est.)
8.35
Wall Street Target
$64.00
(+6.2%)
Revenue Growth (YoY)
8.2%
Earnings Growth (YoY)
-7.2%
Profit Margin
37.5%
Valuation Discount vs History
-0.8% cheaper
PE vs Historical
8.4 vs 8.6
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.8%
(market-implied from PE analysis)
1-Year Target
$59.76
(-1%)
2-Year Target
$59.28
(-2%)
3-Year Target
$58.81
(-2%)
3-Yr Target (if PE normalizes)
(PE: 8→9)
$60.56
(+1%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.2, Growth: 14.7%)
$219.43
(+264%)
Base:
(SPY PE: 8.4, Growth: 14.7%)
$90.85
(+51%)
Bear:
(PE: 7.1, Growth: 14.7%)
$77.22
(+28%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (11x PE), but valuation improves significantly next year (8x PE) as earnings recover.
Trailing PE: 10.57 | Current EPS (TTM): $5.68
Bull Case
$83.89
(+39%)
Analyst growth 27.0%, PE expands to 11.6
Base Case
$76.26
(+27%)
Market implied 27.0%, PE stable at 10.6
Bear Case
$40.83
(-32%)
Severe decline -20.0%, PE contracts to 9.0
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 8.4 to 8.6
Stabilization Target:
$62.03
(+3.0%)
PE Expansion Potential:
+3.0%
Share & Embed Analysis
Last updated: September 13, 2026 10:09 PM ET
Data refreshes hourly during market hours. Next update: 11:09 PM
Data refreshes hourly during market hours. Next update: 11:09 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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