Stock Ratings / Financials / NTB / dividends

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Bank of N.T. Butterfield & Son Limited Voting (NTB) Dividend Safety Gauge & 10-Year DRIP Compounder

$56.15 -2.01% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $55.84

Bank of N.T. Butterfield & Son Limited Voting (NTB) carries a Roarable Rating of C (Hold) with 63/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 63/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.9% avg 90D alpha vs SPY) →

ROARABLE C • HOLD / WATCH Cap $2.25B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on NTB Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is NTB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-03, Bank of N.T. Butterfield & Son Limited Voting (NYSE: NTB) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 63/100 at a spot price of $56.15 (-2.01% 1D, market cap $2.25B). Pillar breakdown: Fundamental Cash Engine 16/20, Institutional 13F & Options Flow 7/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 10/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, NTB ranks #303 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does NTB compare to BBAR and BLX in the Financials sector?

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Within the Financials sector (Commercial Banks), NTB carries a Roarable C (63/100 RQD), trailing P/E of 9.9x, gross margin of —, and ROIC of 20.3%. By comparison, BBAR (Banco BBVA Argentina S.A. ADS) holds a D- grade (43/100 RQD, P/E N/A, ROIC —, cap $2.37B) and BLX (Bladex Inc. Class E) posts a D- grade (43/100 RQD, P/E N/A, ROIC —, cap $1.84B). Among the 5-stock peer group, NTB leads on earnings multiple (9.9x) while NTB leads on capital efficiency (20.3% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for NTB?

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Per NTB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001653242), Bank of N.T. Butterfield & Son Limited Voting generated $606.8M in revenue (+4.6% YoY), $231.9M in net income, and $279.6M in free cash flow against $14.09B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $55.84 (-0.55%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 16/20 (B+) • 46.1% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 63/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.9% avg 90D alpha vs SPY • 54.8% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C+ · Rk D+

Each axis scored 0–20

12M PRICE TARGET CONE+2.2% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for NTB)Realized 20D OHLCV Swing Band: ±4%

Deterministic 5-Pillar Attribution (63/100 Composite)

🔍 WHY NTB SCORES 63/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (27% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▲ #2 Bullish Driver: Cash Engine Quality+16/20 pts (25% of score)

SEC XBRL FY 2025 (10-K): 46.1% FCF Margin ($279.6M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Whale & Options Positioning7/20 pts (-13 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-13 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade B$58.38+1.6% Next Q

Q2 (-2Q)

Grade B-$59.34+1.4% Next Q

Q3 (-1Q)

Grade B-$60.15-6.7% Next Q

Current

Grade C$56.15+0.9% Hist 90D α

Trajectory: B (71) → C (63)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the NTB Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 63/100 (C) score, NTB faces multiple-compression risk if 9.9x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Sensitive to high interest rates and tighter Federal Reserve market liquidity.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($58.88) or 200D SMA ($56.77) invalidates the momentum regime and cuts Target Base ($57.41) toward Bear Floor ($44.78).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $NTB• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “NTB Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 63%NO 37%Trade / Inspect Odds →

CASH DIVIDEND + BUYBACK YIELD

5.19% Total Yield

3.39% Cash ($1.90/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

88/100 • FORTRESS PAYOUT

FREE CASH FLOW PAYOUT RATIO

18.1% of FCF

8 consecutive years of payout growth

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (8.7% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $23,030

Est. Year-10 Shareholder Yield: $1,195/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$10.9K

Yr 1

$11.8K

Yr 2

$12.8K

Yr 3

$14.0K

Yr 4

$15.2K

Yr 5

$16.5K

Yr 6

$17.9K

Yr 7

$19.5K

Yr 8

$21.2K

Yr 9

$23.0K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in NTB & A-Rated Leaders

✓12-month Bull/Base/Bear fair-value walkthrough on NTB and its top sector peer
✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
✓Includes nightly RQD rating-change & forensic signal email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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Join Founding VIP Waitlist (No Card Required) →$100K Arena

NTB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +2.54%🛡️ HOLDING TREND SUPPORT

2026-11-03O $57.30H $57.30L $56.15C $56.15VOL 175.7K

RES: $60.51SUP: $55.24SMA50: $58.88SMA200: $56.77

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

NTB Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 NTB Butterfly Map → + Track NTB →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

-1.4%/yr Implied 5Y Growth

vs. +4.6% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on NTB today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for NTB. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for NTB today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (NTB)

Financials Rank #303 of 1096 ⚔️ BBAR vs NTB Full Matrix →

1. Head-to-Head Financials Peer Comparison (NTB vs. BBAR, BLX, INTR, ESQ)

Industry: Commercial Banks (34 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Bank of N.T. Butterfield & Son Limited Voting (NTB) ranks #303 by composite RQD confidence (63/100, grade C) and #410 by equity capitalization ($2.25B). Within this direct 5-issuer industry benchmark cohort, NTB leads on earnings valuation at 9.9x trailing P/E, while NTB leads on capital efficiency and profitability with 20.3% ROIC and — gross margin. NTB currently leads its immediate peer cohort in composite quantitative strength at 63/100 (C).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
NTB ACTIVE Bank of N.T. Butterfield & Son Limited Voting	C	63/100	9.9x	—	20.3%	-2.01%	$2.25B	Benchmark Subject
BBAR Banco BBVA Argentina S.A. ADS	D-	43/100	—	—	—	-2.76%	$2.37B	/bbar-vs-ntb →
BLX Bladex Inc. Class E	D-	43/100	—	—	—	-6.92%	$1.84B	/blx-vs-ntb →
INTR Inter & Co. Inc. (Class A)	D	45/100	—	—	—	-3.84%	$1.77B	/intr-vs-ntb →
ESQ Esquire Financial Holdings Inc.	C-	60/100	—	—	—	-2.15%	$1.51B	/esq-vs-ntb →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001653242

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Bank of N.T. Butterfield & Son Limited Voting (NTB) reported GAAP revenue of $606.8M (+4.6% vs. FY2024 revenue of $579.9M , and +4.9% cumulative change since FY2023) , GAAP net income of $231.9M, operating cash flow of $279.6M, and free cash flow of $279.6M (+5.3% YoY). On the balance sheet, NTB closed FY2025 with $14.09B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$606.8M	$231.9M	$279.6M	$279.6M	$14.09B	—
FY2024 (FY)	2024-12-31	$579.9M	$216.3M	$265.4M	$265.4M	$14.23B	—
FY2023 (FY)	2023-12-31	$578.6M	$225.5M	$300.3M	$300.3M	—	—

3. NTB Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is NTB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does NTB compare to BBAR and BLX in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for NTB?

Where is NTB trading relative to its 50-day, 200-day, and 52-week technical levels?

NTB last traded at $56.15 (-2.01% on volume of 175,740 shares), positioning the stock -4.64% below its 50-day simple moving average ($58.88) and -1.09% below its 200-day simple moving average ($56.77). Across its 52-week range of $44.36 to $64.17, NTB sits at the 59.5% percentile with a 14-day RSI of 37.0 (NEUTRAL RANGE) and an implied next-earnings move of ±4.0% ($53.90 to $58.40).

NTB Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Does NTB pay a dividend and is it safe?

Bank of N.T. Butterfield & Son Limited Voting (NTB) offers a 3.39% cash dividend yield ($1.90 annualized) and 5.19% total shareholder yield including buybacks. Roarable rates its payout coverage as FORTRESS PAYOUT.

Direct Sub-Reports: NTB RQD Cockpit NTB 12M Forecast NTB Earnings & Move NTB Dividends & DRIP NTB Insiders & 13F NTB Whale Options NTB Profit Sankey NTB News & Why

ROARABLE RATING BRIEF • RQD 63/100 (C) ✓ STAGE-C NUMBER FIREWALL VERIFIED

NTB — Bank of N.T. Butterfield & Son Limited Voting: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5

As of: 2026-11-02T15:26:09Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, NTB scores 67 out of 100 for a letter grade of C+ and a verdict of "Roarable Hold — Upper Neutral / Watch for Breakout." The five pillars are:

Fundamental Cash Engine: 16 / 20. Per the RQD rating, this pillar reflects ROIC of 20.3% and an FCF yield of 12.2%. These are the strongest inputs in the framework and are the main upside driver: high capital returns combined with a high FCF yield suggest the business generates cash well relative to its market value.
Whale 13F Flow: 7 / 20. Per the RQD rating, this pillar reflects institutional accumulation and options positioning. The low score indicates limited institutional tailwind in the source data, which tempers conviction.
Insider Conviction: 17 / 20. Per the RQD rating, this pillar reflects SEC Form 4 and Congressional PTR cluster flow. It is the highest-scoring pillar and is a positive signal, though the underlying trade-level detail is not included in the source data.
Macro Regime Fit: 14 / 20. Per the RQD rating, beta is 1.0 with sector sensitivity noted. A market-matching beta means the stock is not structurally more volatile than the market, but it is also not insulated from broad moves.
Forensic Balance Sheet: 13 / 20. Per the RQD rating, this pillar reflects Altman Z of 2.5, Piotroski F of 6/9, and Debt/Equity of 0.5. These are moderate readings: the Altman Z sits in a range that is not distressed, and the Piotroski score is respectable, but neither is a clear strength.

For a prospective investor, the profile is one of solid cash generation and insider interest offset by weak institutional flow and a middling balance sheet read. The grade signals a neutral stance with the caveat to watch for a breakout, meaning the framework sees the outcome as balanced rather than directional. Valuation tradeoffs are visible in the market data: a P/E (TTM) of 9.9 and forward P/E of 9.2 are low on the source figures, but low multiples alone do not resolve whether the market is mispricing the business or correctly reflecting its risks.

Financial Trend

Period	Revenue	Operating Income	Net Income	EPS	FCF	Cash	Debt
FY 2025	$606.8M	$0.0M	$231.9M	N/A	$279.6M	$1708.9M	N/A
FY 2024	$579.9M	$0.0M	$216.3M	N/A	$265.4M	$1998.1M	N/A
FY 2023	$578.6M	$0.0M	$225.5M	N/A	$300.3M	N/A	N/A

Per the SEC financials, revenue rose from $578.6M in FY 2023 to $606.8M in FY 2025, while net income moved from $225.5M to $231.9M over the same span with a dip to $216.3M in FY 2024. Per the market data, net margin is 38.2% and ROIC is 20.3%, and per the RQD rating the Altman Z-Score is 2.5 and the Piotroski F-Score is 6/9. Per the RQD rating, Debt/Equity is 0.5. Operating margin and gross margin are reported as 0% in the market data, which does not match a meaningful operating income figure and should be read as a data limitation rather than a finding. Cash declined from $1998.1M in FY 2024 to $1708.9M in FY 2025.

Open Questions

What drives the FY 2024 net income dip and the subsequent FY 2025 recovery, and how do these figures reconcile with the reported revenue trend?
What is the debt position, since the source reports debt as N/A for every period?
Why are operating income and operating margin reported as $0.0M and 0%, and what is the true operating profitability profile?
What explains the decline in cash from $1998.1M to $1708.9M between FY 2024 and FY 2025?
What specific insider and institutional transactions underlie the RQD insider and whale pillar scores?

NTB Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Bank of N.T. Butterfield & Son Limited Voting (NTB) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to NTB Debate Forum (3) ↓

🟢 CATALYST Yahoo • 3d ago

The top 5 analyst questions from Butterfield Bank’s Q3 earnings call

Butterfield Bank’s third quarter was marked by steady revenue and profit growth, but the market responded negatively following the results. Management attributed performance to higher banking fee income, stronger foreign

Read Full Source ↗

🟢 CATALYST Yahoo • 4d ago

Will Strong Q3 Earnings Change Butterfield's (NTB) Narrative

Bank of N.T. Butterfield & Son reported Q3 2026 earnings per share of US$1.50 on a GAAP basis, affirmed a US$0.50 quarterly dividend for payment on November 25, 2026, and outlined steady margins despite deposit outflows

Read Full Source ↗

🟢 CATALYST Yahoo • 4d ago

Butterfield Bank (NTB) Stock Trades Below Fair Value After Its 148% Run

Bank of N.T. Butterfield & Son has delivered a very strong 3 year share price run, so the key issue now is whether that performance lines up with what its earnings can support. After a recent pullback, investors are aski

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🟢 CATALYST Yahoo • 4d ago

Bank of N.T. Butterfield & Son (NTB) Confirmed Its Dividend After Earnings, Is It Still 11% Below Fair Value?

Bank of N.T. Butterfield & Son (NYSE:NTB) just paired fresh third quarter earnings with a renewed quarterly dividend of US$0.50 per share, giving investors new information on both profitability and cash returns. Despite

Read Full Source ↗

🟡 MARKET WIRE Yahoo • 5d ago

Butterfield: 3 Key Takeaways for Long-Term Investors

Conservative lending practices and a planned deposit normalization position the bank to sustain returns through market cycles.

Read Full Source ↗

🟡 MARKET WIRE Yahoo • 5d ago

Bank of N.T. Butterfield & Son Q3 Earnings Call Highlights

Bank of N.T. Butterfield & Son (NYSE:NTB) reported third-quarter 2026 net income of $61 million, or $1.50 per share, as net interest income and fee-based revenue increased. Core net income was $64.2 million, or $1.58 per

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🟡 MARKET WIRE Yahoo • 5d ago

Bank of NT Butterfield & Son: Q3 Earnings Snapshot

HAMILTON, Bermuda (AP) — HAMILTON, Bermuda (AP) — Bank of NT Butterfield & Son Ltd. (NTB) on Tuesday reported net income of $61 million in its third quarter.

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🟡 MARKET WIRE SeekingAlpha • 5d ago

The Bank of N.T. Butterfield & Son Limited (NTB) Q3 2026 Earnings Call Transcript

The Bank of N.T. Butterfield & Son Limited (NTB) Q3 2026 Earnings Call October 28, 2026 10:00 AM EDTCompany ParticipantsNoah Fields - Head of Investor...

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🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

NTB Bull vs. Bear Conversation Board — What's Your Call at $56.15?

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON NTB 🐻 50% BEARISH CONVICTION

RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $61.88 (+8.0%)

📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is NTB (C+ • RQD 67/100) a Buy at $57.30?

Welcome to the NTB (Bank of N.T. Butterfield & Son Limited Voting) Roar Pit. Current RQD Composite is 67/100 (Roarable Hold — Upper Neutral / Watch for Breakout) in Commercial Banks. Bulls point to capital efficiency (20.3% ROIC), while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

RI RiskArb_Desk Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $46.99 (-18.0%)

Spot @ $57.30

Pump the brakes on NTB — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on NTB, but look at what you are paying: 9.9x trailing P/E with tightening sector spreads. Unless Bank of N.T. Butterfield & Son Limited Voting expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

CA CashFlowKing Verified K Arena Trader 🐂 BULLISH 🎯 Target: $69.33 (+21.0%)

Spot @ $57.30

NTB cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on NTB, the market is fixating on short-term headline noise in Commercial Banks and ignoring the balance sheet and cash flow trajectory. At $57.30 (52-wk range $44.36 - $64.17), any beat on forward guidance forces shorts and underweight funds to chase.