NTB Relative Valuation
NTB's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, NTB is overvalued; if below, it's undervalued.
Historical Valuation
Bank of NT Butterfield & Son Ltd (NTB) is now in the Fair zone, suggesting that its current forward PE ratio of 8.90 is considered Fairly compared with the five-year average of 8.38. The fair price of Bank of NT Butterfield & Son Ltd (NTB) is between 43.87 to 59.45 according to relative valuation methord.
Relative Value
Fair Zone
43.87-59.45
Current Price：48.03
Fair
8.94
PE
1Y
3Y
5Y
Trailing
Forward
0.00
EV/EBITDA
Bank of NT Butterfield & Son Ltd. (NTB) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.
0.00
EV/EBIT
Bank of NT Butterfield & Son Ltd. (NTB) has a current EV/EBIT of 0.00. The 5-year average EV/EBIT is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBIT of 0.00 falls within the Strongly Undervalued range.
3.29
PS
Bank of NT Butterfield & Son Ltd. (NTB) has a current PS of 3.29. The 5-year average PS is 2.98. The thresholds are as follows: Strongly Undervalued below 2.09, Undervalued between 2.09 and 2.53, Fairly Valued between 3.42 and 2.53, Overvalued between 3.42 and 3.86, and Strongly Overvalued above 3.86. The current Forward PS of 3.29 falls within the Historic Trend Line -Fairly Valued range.
0.00
P/OCF
Bank of NT Butterfield & Son Ltd. (NTB) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.
0.00
P/FCF
Bank of NT Butterfield & Son Ltd. (NTB) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.
Bank of NT Butterfield & Son Ltd (NTB) has a current Price-to-Book (P/B) ratio of 1.77. Compared to its 3-year average P/B ratio of 1.60 , the current P/B ratio is approximately 11.05% higher. Relative to its 5-year average P/B ratio of 1.72, the current P/B ratio is about 2.75% higher. Bank of NT Butterfield & Son Ltd (NTB) has a Forward Free Cash Flow (FCF) yield of approximately 0.00%. Compared to its 3-year average FCF yield of 15.58%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 14.18% , the current FCF yield is about -100.00% lower.
1.78
P/B
Median3y
1.60
Median5y
1.72
11.45
FCF Yield
Median3y
15.58
Median5y
14.18
Competitors Valuation Multiple
The average P/S ratio for NTB's competitors is , providing a benchmark for relative valuation. Bank of NT Butterfield & Son Ltd Corp (NTB) exhibits a P/S ratio of , which is NaN% above the industry average. Given its robust revenue growth of 6.73%, this premium appears unsustainable.
P/S
P/E
EV/EBITDA
EV/EBIT
P/S
Revenue Growth
Market Cap
Performance Decomposition
1Y
3Y
5Y
Market capitalization of NTB increased by 34.23% over the past 1 year. The primary factor behind the change was an increase in P/E Change from 7.74 to 9.21.
The secondary factor is the Margin Expansion, contributed 8.51%to the performance.
Overall, the performance of NTB in the past 1 year is driven by P/E Change. Which is more unsustainable.
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FAQ
Is Bank of NT Butterfield & Son Ltd (NTB) currently overvalued or undervalued?
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What is the current P/B ratio for Bank of NT Butterfield & Son Ltd (NTB) as of Dec 05 2025?
What is the current FCF Yield for Bank of NT Butterfield & Son Ltd (NTB) as of Dec 05 2025?
What is the current Forward P/E ratio for Bank of NT Butterfield & Son Ltd (NTB) as of Dec 05 2025?