NTB (Bank of N.T Butterfield & Son) Margin of Safety % (DCF Earnings Based): 33.57% (As of Jun. 24, 2026)


NTB Bank of N.T Butterfield & Son Ltd NTB
85 GF Score
Price $58.93
GF Value $45.56
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Bank of N.T Butterfield & Son Margin of Safety % (DCF Earnings Based)?

Bank of N.T Butterfield & Son NTB 85 Margin of Safety % (DCF Earnings Based) is 33.57% as of Jun. 24, 2026. GuruFocus rates NTB with a GF Score™ of 85/100 and a GF Value™ of $45.56 (Modestly Overvalued). The stock has 6 warning signs investors should review.

Margin of Safety % (DCF Earnings Based) = (Intrinsic Value: DCF (Earnings Based) - Current Price) / Intrinsic Value: DCF (Earnings Based).

Note: Discounted Earnings model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-06-24), Bank of N.T Butterfield & Son's Predictability Rank is 5-Stars. Bank of N.T Butterfield & Son's intrinsic value calculated from the Discounted Earnings model is $88.71 and current share price is $58.93. Consequently,

Bank of N.T Butterfield & Son's Margin of Safety % (DCF Earnings Based) using Discounted Earnings model is 33.57%.

NTB vs BCSO, JPM, BAC: Margin of Safety % (DCF Earnings Based) Comparison

For the Banks - Diversified subindustry, Bank of N.T Butterfield & Son's Margin of Safety % (DCF Earnings Based), along with its competitors' market caps and Margin of Safety % (DCF Earnings Based) data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Bank of N.T Butterfield & Son Margin of Safety % (DCF Earnings Based) vs Banks Industry

For the Banks industry and Financial Services sector, Bank of N.T Butterfield & Son's Margin of Safety % (DCF Earnings Based) distribution charts can be found below:

* The bar in red indicates where Bank of N.T Butterfield & Son's Margin of Safety % (DCF Earnings Based) falls into.


NTB
85GF Score
Bank of N.T Butterfield & Son Ltd NTB
Margin of Safety % (DCF Earnings Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Bank of N.T Butterfield & Son Margin of Safety % (DCF Earnings Based) Calculation

Bank of N.T Butterfield & Son's Margin of Safety % (DCF Earnings Based) for today is calculated as

Margin of Safety % (DCF Earnings Based)=(Intrinsic Value: DCF (Earnings Based)-Current Price)/Intrinsic Value: DCF (Earnings Based)
=(88.71-58.93)/88.71
=33.57 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

The intrinsic value is calculated from the Discounted Earnings model with default parameters. The calculation method is the same as Discounted Cash Flow model except earnings are used in the calculation instead of free cash flow.

What does a Margin of Safety % (DCF Earnings Based) of 33.57% mean?
Bank of N.T Butterfield & Son (NTB) has a Margin of Safety % (DCF Earnings Based) of 33.57% as of Jun. 24, 2026. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Bank of N.T Butterfield & Son.
Is Bank of N.T Butterfield & Son's Margin of Safety % (DCF Earnings Based) too high?
Bank of N.T Butterfield & Son's current Margin of Safety % (DCF Earnings Based) is 33.57%. Overall, Bank of N.T Butterfield & Son has a GF Score™ of 85/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank of N.T Butterfield & Son's Margin of Safety % (DCF Earnings Based) compare to BCSO and JPM?
Bank of N.T Butterfield & Son's Margin of Safety % (DCF Earnings Based) of 33.57% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Margin of Safety % (DCF Earnings Based) for a Banks company?
A good Margin of Safety % (DCF Earnings Based) depends on the Banks industry context. However, Margin of Safety % (DCF Earnings Based) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Margin of Safety % (DCF Earnings Based) mean?
A high Margin of Safety % (DCF Earnings Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Bank of N.T Butterfield & Son. Bank of N.T Butterfield & Son's current Margin of Safety % (DCF Earnings Based) is 33.57%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank of N.T Butterfield & Son stock overvalued right now?
Based on GuruFocus' analysis, Bank of N.T Butterfield & Son (NTB) is currently considered Modestly Overvalued. The stock's GF Value™ is $45.56, compared to a current price of $58.93 — trading 29.3% above its estimated fair value. The current Margin of Safety % (DCF Earnings Based) is 33.57%. Bank of N.T Butterfield & Son's overall GF Score™ is 85/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Margin of Safety % (DCF Earnings Based) calculated?
Margin of Safety % (DCF Earnings Based) is calculated from a company's financial statements. For Bank of N.T Butterfield & Son (NTB), the current Margin of Safety % (DCF Earnings Based) is 33.57% as of Jun. 24, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Bank of N.T Butterfield & Son (NTB) Overvalued in 2026?

Based on GuruFocus' analysis, Bank of N.T Butterfield & Son stock appears to be overvalued. The current stock price of $58.93 is trading 29.3% above its estimated GF Value™ of $45.56. GuruFocus considers Bank of N.T Butterfield & Son to be Modestly Overvalued.

Key valuation signals for NTB:

  • Margin of Safety % (DCF Earnings Based): 33.57%
  • GF Value™: $45.56 vs. price of $58.93 (29.3% above fair value)
  • GF Score™: 85/100 with 6 warning signs

No single metric tells the full story. See the NTB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Bank of N.T Butterfield & Son Business Description

Other Exchanges 4IK:GermanyNTB.BH:Bermuda
Address 65 Front Street, Hamilton, BMU, HM 12
Bank of N.T Butterfield & Son Ltd is a full-service bank and wealth manager. It offers banking services, comprising retail and corporate banking, and wealth management services, which consist of trust, private banking, and asset management business. The company operates through four reportable segments: Bermuda, Cayman, Channel Islands and the UK, and Other. In its Bermuda and Cayman segments, the company offers retail banking and wealth management services. In the Channel Islands and the UK segment, the company offers retail and corporate banking and wealth management services, and the Other segment includes its operations in the Bahamas, Canada, Mauritius, Singapore, and Switzerland. Maximum revenue for the company is generated from its business in Bermuda.
85GF Score

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Margin of Safety % (DCF Earnings Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$58.93
Price
$45.56
GF Value