NTB Stock Analysis: Buy, Sell, or Hold?
NTB - The Bank of N.T. Butterfield & Son Limited
$60.58
-0.04 (-0.07%)
▼
5d:
-0.18%
30d:
+4.23%
90d:
+7.54%
HOLD
MODERATE Confidence
Analysis Updated: Jul 14, 2026 12:00 AM ET
Earnings: Jul 27, 2026
11d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: NTB is fairly valued with market pricing in 0.0% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: NTB is fairly valued with market pricing in 0.0% annual growth. Fine to hold or accumulate slowly on dips.
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 $60.58, which is considered extended relative to its 30-day fair value range of $58.34 to $60.22. 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 0.0% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
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
$58.34 -
$60.22
Company Quality Score
63/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
58.1%
All Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($61.33)
- NEUTRAL: Market pricing in 0.0% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$58.34 -
$60.22
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.)
8.58
Wall Street Target
$61.33
(+1.2%)
Revenue Growth (YoY)
4.3%
Earnings Growth (YoY)
24.4%
Profit Margin
39.3%
PE vs Historical
8.6 vs 8.6
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
0%
(market-implied from PE analysis)
1-Year Target
$60.58
(0%)
2-Year Target
$60.58
(0%)
3-Year Target
$60.58
(0%)
3-Yr Target (if PE normalizes)
(PE: 9→9)
$60.74
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 14.4%)
$230.43
(+280%)
Base:
(SPY PE: 8.6, Growth: 14.4%)
$90.74
(+50%)
Bear:
(PE: 7.3, Growth: 14.4%)
$77.13
(+27%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (10x PE), but valuation improves significantly next year (9x PE) as earnings recover.
Trailing PE: 10.47 | Current EPS (TTM): $5.77
Bull Case
$81.36
(+34%)
Analyst growth 22.4%, PE expands to 11.5
Base Case
$73.96
(+22%)
Market implied 22.4%, PE stable at 10.5
Bear Case
$41.09
(-32%)
Severe decline -20.0%, PE contracts to 8.9
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: July 14, 2026 11:10 PM ET
Data refreshes hourly during market hours. Next update: 12:10 AM
Data refreshes hourly during market hours. Next update: 12:10 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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