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Bank of N.T Butterfield & SonNTB -1.71%85 Return-on-Tangible-Asset is 1.77% as of Mar. 2026, which is 22% above its 10-year median of 1.45. GuruFocus rates NTB with a GF Score™ of 85/100 and a GF Value™ of $45.75 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,529 Banks companies, Bank of N.T Butterfield & Son ranks better than 83.19% on this metric.
The historical rank and industry rank for Bank of N.T Butterfield & Son's Return-on-Tangible-Asset or its related term are showing as below:
NTB'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 1.03 Med: 1.45 Max: 1.82
Current: 1.71
During the past 12 years, Bank of N.T Butterfield & Son's highest Return-on-Tangible-Asset was 1.82%. The lowest was 1.03%. And the median was 1.45%.
NTB's Return-on-Tangible-Asset is ranked better than 83.19% of 1529
companies
in the Banks industry
Industry Median: 0.99
vs NTB: 1.71
Bank of N.T Butterfield & Son (NYSE:NTB) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Bank of N.T Butterfield & Son Return-on-Tangible-Asset Related Terms
Bank of N.T Butterfield & Son Return-on-Tangible-Asset 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 Return-on-Tangible-Asset Chart
NTB vs FRBT, JPM, BAC: Return-on-Tangible-Asset Comparison
For the Banks - Diversified subindustry, Bank of N.T Butterfield & Son's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Bank of N.T Butterfield & Son's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Bank of N.T Butterfield & Son's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 1.77% mean?
Bank of N.T Butterfield & Son (NTB) has a Return-on-Tangible-Asset of 1.77% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Bank of N.T Butterfield & Son and its competitors. This is 22% above median its historical median of 1.45. Over the past decade, Bank of N.T Butterfield & Son's Return-on-Tangible-Asset has ranged from 1.03 to 1.82. According to the industry distribution chart, Bank of N.T Butterfield & Son ranks #257 out of 1529 companies in the Banks industry, placing it in the top 16.8%.
Is Bank of N.T Butterfield & Son's Return-on-Tangible-Asset too high?
Bank of N.T Butterfield & Son's current Return-on-Tangible-Asset of 1.77% is 22% above median its 10-year median of 1.45. Over the past 10 years, this metric has ranged from a low of 1.03 to a high of 1.82. The Banks industry median Return-on-Tangible-Asset is 0.99. Bank of N.T Butterfield & Son's value of 1.77% is 78.8% above this industry median. Based on the distribution chart, Bank of N.T Butterfield & Son ranks #257 out of 1529 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 Return-on-Tangible-Asset compare to FRBT and JPM?
According to the Banks industry distribution chart, Bank of N.T Butterfield & Son ranks #257 out of 1529 companies for Return-on-Tangible-Asset. This places Bank of N.T Butterfield & Son in the top 17% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 0.99. Bank of N.T Butterfield & Son's value of 1.77% is 78.8% above this benchmark. Historically, Bank of N.T Butterfield & Son's own Return-on-Tangible-Asset has ranged from 1.03 to 1.82 over the past decade. While the company's 10-year median is 1.45 vs. the industry median of 0.99, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 0.99, based on 1,529 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset 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 Return-on-Tangible-Asset of 1.77% is 78.8% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Bank of N.T Butterfield & Son and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 0.99 — 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 Return-on-Tangible-Asset is 1.77%, which is 22% above median its own 10-year median of 1.45. 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 $45.75, compared to a current price of $61.37 — trading 34.1% above its estimated fair value. The current Return-on-Tangible-Asset is 1.77%, which is 22% above median its 10-year median of 1.45 and 78.8% above the Banks industry median of 0.99. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Bank of N.T Butterfield & Son (NTB), the current Return-on-Tangible-Asset is 1.77% 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 $61.37 is trading 34.1% above its estimated GF Value™ of $45.75.
GuruFocus considers Bank of N.T Butterfield & Son to be Significantly Overvalued.
Key valuation signals for NTB:
Return-on-Tangible-Asset: 1.77% (22% above median its 10-year median of 1.45)
GF Value™: $45.75 vs. price of $61.37 (34.1% above fair value)
Industry Position: 78.8% above the Banks median (#257 of 1529)
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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