NTB (Bank of N.T Butterfield & Son) Moat Score: 5/10 (As of Jun. 30, 2026)


NTB Bank of N.T Butterfield & Son Ltd NTB
85 GF Score
Price $59.50
GF Value $45.57
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Bank of N.T Butterfield & Son Moat Score?

Bank of N.T Butterfield & Son NTB -0.03% 85 Moat Score is 5 as of Jun. 30, 2026. GuruFocus rates NTB with a GF Score™ of 85/100 and a GF Value™ of $45.57 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,613 Banks companies, Bank of N.T Butterfield & Son ranks better than 94.05% on this metric.

Bank of N.T Butterfield & Son has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

Bank of N.T Butterfield & Son has Narrow Moat: NTB has a solid narrow moat due to its strong market position in Bermuda and the Cayman Islands, benefiting from regulatory barriers and customer loyalty. However, it lacks significant global scale and network effects, limiting its moat to a regional level.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Bank of N.T Butterfield & Son might have Narrow Moat - Solid narrow moat.

Bank of N.T Butterfield & Son  (NYSE:NTB) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Bank of N.T Butterfield & Son Moat Score Related Terms

NTB vs FRBT, JPM, BAC: Moat Score Comparison

For the Banks - Diversified subindustry, Bank of N.T Butterfield & Son's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Bank of N.T Butterfield & Son's Moat Score distribution charts can be found below:

* The bar in red indicates where Bank of N.T Butterfield & Son's Moat Score falls into.


NTB
85GF Score
Bank of N.T Butterfield & Son Ltd NTB
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
Bank of N.T Butterfield & Son (NTB) has a Moat Score of 5 as of Jun. 30, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Bank of N.T Butterfield & Son ranks #96 out of 1613 companies in the Banks industry, placing it in the top 6%.
Is Bank of N.T Butterfield & Son's Moat Score too high?
Bank of N.T Butterfield & Son's current Moat Score is 5. Based on the distribution chart, Bank of N.T Butterfield & Son ranks #96 out of 1613 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Bank of N.T Butterfield & Son has a GF Score™ of 85/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank of N.T Butterfield & Son's Moat Score compare to FRBT and JPM?
According to the Banks industry distribution chart, Bank of N.T Butterfield & Son ranks #96 out of 1613 companies for Moat Score. This places Bank of N.T Butterfield & Son in the top 6% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Bank of N.T Butterfield & Son's current Moat Score is 5. 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 Significantly Overvalued. The stock's GF Value™ is $45.57, compared to a current price of $59.50 — trading 30.6% above its estimated fair value. The current Moat Score is 5. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Bank of N.T Butterfield & Son (NTB), the current Moat Score is 5 as of Jun. 30, 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 $59.50 is trading 30.6% above its estimated GF Value™ of $45.57. GuruFocus considers Bank of N.T Butterfield & Son to be Significantly Overvalued.

Key valuation signals for NTB:

  • Moat Score: 5
  • GF Value™: $45.57 vs. price of $59.50 (30.6% 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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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$59.50
Price
$45.57
GF Value