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Bank of N.T. Butterfield & Son Limited Voting (NTB) — RQD Stock Rating Cockpit

$57.30 -1.50% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $57.04

Bank of N.T. Butterfield & Son Limited Voting (NTB) carries a Roarable Rating of C (Hold) with 65/100 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 65/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.3% avg 90D alpha vs SPY) →

ROARABLE C • HOLD / WATCH Cap $2.29B

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

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $57.04 (-0.46%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 16/20 (B+) • 46.1% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 65/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.3% avg 90D alpha vs SPY • 55.6% 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 C

Each axis scored 0–20

12M PRICE TARGET CONE+3.1% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for NTB)Realized 20D OHLCV Swing Band: ±3.8%

Deterministic 5-Pillar Attribution (65/100 Composite)

🔍 WHY NTB SCORES 65/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (26% 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 Positioning6/20 pts (-14 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-14 pts vs max)

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

Q1 (-3Q)

Grade B$57.50+2% Next Q

Q2 (-2Q)

Grade B$58.65+2.1% Next Q

Q3 (-1Q)

Grade B-$59.91-4.4% Next Q

Current

Grade C$57.30+1.3% Hist 90D α

Trajectory: B (73) → C (65)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 65/100 (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

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ 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 ($58.95) or 200D SMA ($56.71) invalidates the momentum regime and cuts Target Base ($59.10) toward Bear Floor ($46.10).

🎲 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 65%NO 35%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

33.630 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

6 / 99-Pt Accounting

52-WEEK LASER RANGE65% OF RANGE

L: $44$57.30H: $64

1. Money & Cash Health● HEALTHY

Are profits real cash in the bank?

Real cash coming in backs up reported profits (steady margins and healthy balance-sheet cushion).

Factor Grade: B+RQD 16 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: D+RQD 23 / 40

3. Hidden Risks & Market Weather● WATCH

SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: CRQD 26 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on NTB

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BULLISH (80)

20.3% ROIC with 42.0% gross margin and 12.20% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 6/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

NEUTRAL (60)

23/40 institutional & smart-money positioning score with 13/20 macro alignment.

Bull Case: Why Buyers Like NTB

✓Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.
✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (NTB Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

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

NTB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +3.34%▼ DESCENDING CHANNEL

2026-10-30O $57.62H $57.62L $55.92C $57.30VOL 175.7K

RES: $60.96SUP: $55.37SMA50: $58.95SMA200: $56.71

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 #316 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 #316 by composite RQD confidence (65/100, grade C) and #410 by equity capitalization ($2.29B). 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 65/100 (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	65/100	9.9x	—	20.3%	-1.50%	$2.29B	Benchmark Subject
BBAR Banco BBVA Argentina S.A. ADS	D	51/100	—	—	—	+1.01%	$2.44B	/bbar-vs-ntb →
BLX Bladex Inc. Class E	D+	57/100	—	—	—	+1.37%	$1.98B	/blx-vs-ntb →
INTR Inter & Co. Inc. (Class A)	C-	61/100	—	—	—	+1.46%	$1.84B	/intr-vs-ntb →
ESQ Esquire Financial Holdings Inc.	D+	52/100	—	—	—	-0.88%	$1.55B	/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?

As of 2026-11-01, 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 65/100 at a spot price of $57.30 (-1.50% 1D, market cap $2.29B). Pillar breakdown: Fundamental Cash Engine 16/20, Institutional 13F & Options Flow 6/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, NTB ranks #316 in composite RQD confidence.

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

Within the Financials sector (Commercial Banks), NTB carries a Roarable C (65/100 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 (51/100 RQD, P/E N/A, ROIC —, cap $2.44B) and BLX (Bladex Inc. Class E) posts a D+ grade (57/100 RQD, P/E N/A, ROIC —, cap $1.98B). Among the 5-stock peer group, NTB leads on earnings multiple (9.9x) while NTB leads on capital efficiency (20.3% ROIC).

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

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: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

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

NTB last traded at $57.30 (-1.50% on volume of 237,307 shares), positioning the stock -2.80% below its 50-day simple moving average ($58.95) and +1.04% above its 200-day simple moving average ($56.71). Across its 52-week range of $44.36 to $64.17, NTB sits at the 65.3% percentile with a 14-day RSI of 33.6 (NEUTRAL RANGE) and an implied next-earnings move of ±3.8% ($55.12 to $59.48).

NTB Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell NTB stock right now?

Bank of N.T. Butterfield & Son Limited Voting (NTB) currently earns a Roarable Rating of C (Hold — HOLD) with 65/100 RQD Confidence. Solid steady margins (20% return on capital), mixed timing at 10x P/E—hold if owned, no rush to chase.

What is NTB's 12-month price target and RQD AI Jury consensus?

NTB's 12-month base price target is $59.1 (range $46.1 to $69.74), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

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