Bank of N T Butterfield & Son LtdNTB
Price$57.86Intrinsic value$81.7241% above price

Valuation

How Intrinsic Value compares with model outputs

Intrinsic Value $81.72median of 6 methods · middle span $35-$136based on filings through 31 Dec 2025
Market Price $57.86Price as of 30 Sep 2026
Margin of Safety +41.2%as of 30 Sep 2026

Valuation methods vs. Market Price

Company vs. peer median Members

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Assumptions

ParameterValue
Years 1–5: analyst growth pathFive-year total matches analyst consensus exactly. Year 1: 14.1% (near-term consensus, capped) · years 2–5: 16.0%/yr (balance of the path).15.6% per year
Years 6–10: glide to demonstrated growth
Per-year rates
Yr 614.5%Yr 713.1%Yr 811.7%Yr 910.2%Yr 108.8%
16.0% → 8.8%
Years 11–20: glide to long-run rate
Per-year rates
Yr 118.2%Yr 127.6%Yr 137.1%Yr 146.5%Yr 155.9%Yr 165.3%Yr 174.7%Yr 184.2%Yr 193.6%Yr 203.0%
8.8% → 3.0%
Beyond year 20: terminal growthPerpetual long-run rate3.0%
Historical EPS growth (multi-year median)median of 3 windows (5/6/7y)8.8%
Discount rate (cost of equity) 8.0%
Volatility vs market (adjusted beta)0.68

Valuation Detail Members

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Assumptions Sandbox Members

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Compare with peers

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Best in rowHigher is betterLower is better—Data not available
TargetBank of N T Butterfield & Son LtdNTBFinancials
Valuation
P/E10.6×
P/S3.8×
P/B2.1×
EV / Revenue—
EV / EBITDA—
Profitability
Gross margin100.0%
Operating margin39.2%
Net margin38.2%
FCF margin—
Returns
ROE20.3%
ROA1.6%
ROIC—
Growth
Revenue growth (YoY)4.6%
5-yr fwd EPS growth15.6%
Financial strength
Debt / Equity0.00×
Current ratio—
Altman Z-Score—
Interest coverage—
Dividend yield0.9%

Best value in each row is highlighted. Figures are periodic snapshots from the same filings used across each dossier; a dash means the figure is not available.

AI-assisted, source-linked narrative; figures from company filings (SEC EDGAR) and market data. Dates shown per section. Not investment advice. Terms of Use.