Bank of N.T Butterfield & SonNTB +1.34%85 Pretax Margin % is 41.03% as of Mar. 2026, which is 13% above its 10-year median of 36.21. 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 1,527 Banks companies, Bank of N.T Butterfield & Son ranks better than 63.65% on this metric.
The historical rank and industry rank for Bank of N.T Butterfield & Son's Pretax Margin % or its related term are showing as below:
NTB'
s Pretax Margin % Range Over the Past 10 Years
Min: 28.75 Med: 36.21 Max: 40.17
Current: 40.17
NTB's Pretax Margin % is ranked better than 63.65% of 1527
companies
in the Banks industry
Industry Median: 34.88
vs NTB: 40.17
Bank of N.T Butterfield & Son (NYSE:NTB) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Bank of N.T Butterfield & Son Pretax Margin % Related Terms
Bank of N.T Butterfield & Son Pretax Margin % Historical Data
* 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.
Bank of N.T Butterfield & Son Pretax Margin % Chart
For the Banks - Diversified subindustry, Bank of N.T Butterfield & Son's Pretax Margin %, along with its competitors' market caps and Pretax Margin % 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Bank of N.T Butterfield & Son's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Bank of N.T Butterfield & Son's Pretax Margin % falls into.
* 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.
Bank of N.T Butterfield & Son (NTB) has a Pretax Margin % of 41.03% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Bank of N.T Butterfield & Son and its competitors. This is 13% above median its historical median of 36.21. Over the past decade, Bank of N.T Butterfield & Son's Pretax Margin % has ranged from 28.75 to 40.17. According to the industry distribution chart, Bank of N.T Butterfield & Son ranks #555 out of 1527 companies in the Banks industry, placing it in the top 36.3%.
Is Bank of N.T Butterfield & Son's Pretax Margin % too high?
Bank of N.T Butterfield & Son's current Pretax Margin % of 41.03% is 13% above median its 10-year median of 36.21. Over the past 10 years, this metric has ranged from a low of 28.75 to a high of 40.17. The Banks industry median Pretax Margin % is 34.88. Bank of N.T Butterfield & Son's value of 41.03% is 17.6% above this industry median. Based on the distribution chart, Bank of N.T Butterfield & Son ranks #555 out of 1527 companies in the Banks industry, which is above the industry midpoint. 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 Pretax Margin % compare to BCSO and JPM?
According to the Banks industry distribution chart, Bank of N.T Butterfield & Son ranks #555 out of 1527 companies for Pretax Margin %. This puts Bank of N.T Butterfield & Son in the upper half of its industry. The industry median Pretax Margin % is 34.88. Bank of N.T Butterfield & Son's value of 41.03% is 17.6% above this benchmark. Historically, Bank of N.T Butterfield & Son's own Pretax Margin % has ranged from 28.75 to 40.17 over the past decade. While the company's 10-year median is 36.21 vs. the industry median of 34.88, Bank of N.T Butterfield & Son has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.88, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank of N.T Butterfield & Son's current Pretax Margin % of 41.03% is 17.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Bank of N.T Butterfield & Son and its competitors. For the Banks industry, the median Pretax Margin % is 34.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank of N.T Butterfield & Son's current Pretax Margin % is 41.03%, which is 13% above median its own 10-year median of 36.21. 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 $60.34 — trading 32.4% above its estimated fair value. The current Pretax Margin % is 41.03%, which is 13% above median its 10-year median of 36.21 and 17.6% above the Banks industry median of 34.88. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Bank of N.T Butterfield & Son (NTB), the current Pretax Margin % is 41.03% as of Mar. 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 $60.34 is trading 32.4% 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:
Pretax Margin %: 41.03% (13% above median its 10-year median of 36.21)
GF Value™: $45.57 vs. price of $60.34 (32.4% above fair value)
Industry Position: 17.6% above the Banks median (#555 of 1527)
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
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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