Stock Ratings / Financials / NTB / earnings

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Bank of N.T. Butterfield & Son Limited Voting (NTB) Next Earnings Date & Expected ±3.8% Move

$57.30 -1.50% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot)

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.

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

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%

NEXT EST. WINDOW: Dec 30, 2026 (~58 DAYS)

Historical OHLCV Volatility ±3.8% Swing Band

±$2.18 Expected Swing

MODEL EARNINGS SETUP GAUGE

NTB Quantitative Pre-Earnings Setup: 65/100

Trailing EPS: $5.80 • YoY Revenue Growth: 4.6%

Model Bullish Setup (65/100)Model Risk Weight (35/100)

Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).

LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

Period	Filed	Revenue	Net Profit	Free Cash Flow	Gross Margin
FY 2025	2025-12-31	$606.8M	$231.9M	$279.6M	52%
FY 2024	2024-12-31	$579.9M	$216.3M	$265.4M	52%
FY 2023	2023-12-31	$578.6M	$225.5M	$300.3M	52%

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Whale Flow & Momentum Playbook: Evaluating NTB & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on NTB
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✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

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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).