Equity Profile

NTB

The Bank of N.T. Butterfield & Son Limited

FinancialsDiversified Banks$2.5B

Jul27Mon

Pre-Earnings Brief

UpcomingQ2-2026After Close5:00 PM EDT

Company Snapshot

The Bank of N.T. Butterfield & Son Limited (NTB) is a diversified bank providing a range of financial services, including personal and commercial banking, wealth management, and trust services....

Key Metrics to Watch

Earnings Per Share (EPS)

EPS is a crucial measure of a company's profitability and will indicate how well NTB has performed compared to previous quarters.

N/A

Revenue Growth

Revenue growth is vital for understanding the bank's ability to expand its business and attract new customers.

N/A

1 more metrics, Wall Street expectations, options signals, track record, and call prep available with Pro.

NTB Q2-2026 Earnings Preview

Context

Company Snapshot

The Bank of N.T. Butterfield & Son Limited (NTB) is a diversified bank providing a range of financial services, including personal and commercial banking, wealth management, and trust services. With a market cap of $3 billion, it plays a significant role in the financial sector, particularly in the Caribbean and the UK.

Earnings Scorecard·Last 8Q

EPS Beat Streak

EPS Beat Rate

100%

Avg EPS Surprise

+12.52%

Avg Stock Reaction

+0.25%

Last Quarter Recap

In Q1-2026, NTB reported an EPS of $1.55, surpassing estimates by 11.11%. The stock reacted positively, gaining 0.48% the following day.

Management Promises & Guidance

Expectations

Wall Street Expectations

Overall, expectations for NTB's upcoming earnings are mixed, with investors keen to see if the bank can maintain its strong EPS performance.

Bull Case

If NTB continues its trend of beating EPS estimates, it could signal robust financial health and attract more investors.

Bear Case

Conversely, if the bank fails to meet expectations or shows signs of revenue stagnation, it could lead to a decline in stock price.

Expectations

Two Questions That Matter

The print will turn on these two things.

What will the EPS be for Q2-2026?

Given NTB's history of beating EPS estimates, the market will closely watch this figure to gauge ongoing profitability.

How has the net interest margin changed this quarter?

Changes in net interest margin can significantly impact the bank's profitability and overall financial health.

Edge

What the Street Is Missing

Why consensus could be wrong

The Street may underestimate NTB's ability to maintain its EPS growth due to its strong customer base and diversified services.

Supporting Evidence

NTB has consistently beaten EPS estimates in the past, indicating strong operational performance.

The bank's focus on wealth management and commercial banking may provide stability in uncertain economic times.

Key Risk

If the EPS comes in below $1.40, it could challenge the positive growth narrative.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

The market is debating whether NTB can sustain its strong performance amid economic challenges.

Bull Confirmed If

An EPS of $1.60 or higher would confirm the bull case, indicating strong earnings growth.

Bear Confirmed If

An EPS below $1.40 would suggest a potential downturn in profitability.

Pre-Earnings Positioning

Options Market

Implied Move

±15.94%

Historical Avg

±0.6%

Pricing rich

The options market is pricing in a significant potential move in NTB's stock following the earnings report, indicating heightened volatility expectations.

Options are pricing ±15.9% while NTB has averaged ±0.6% over the last 8 prints — setup is pricing rich.

Detail

ATM IV

0.2%

30d HV

18.4%

Preparation

Post-Print Playbook

Likely market behavior by outcome — not investment advice.

Beat & Raise

If NTB beats expectations, history suggests the stock could rise by around 0.25%, confirming a positive outlook.

In-Line / Cautious

If results are in line but management provides cautious commentary, the stock may remain flat or see minor fluctuations.

Miss

A miss on EPS could lead to a decline, with historical data suggesting a potential drop of around 0.60%.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on the bank's strategy for expanding its wealth management services.
2Insights into changes in net interest margin and how it affects profitability.
3Management's outlook on economic conditions and their impact on lending.
4Details on customer acquisition and retention strategies.
5Any commentary on regulatory changes affecting the banking sector.

See the full picture

AI-powered briefs, options data, and 20 quarters of history — everything you need before earnings.

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Company Snapshot

The Bank of N.T. Butterfield & Son Limited (NTB) is a diversified bank providing a range of financial services, including personal and commercial banking, wealth management, and trust services....

Key Metrics to Watch

Earnings Per Share (EPS)

EPS is a crucial measure of a company's profitability and will indicate how well NTB has performed compared to previous quarters.

N/A

Revenue Growth

Revenue growth is vital for understanding the bank's ability to expand its business and attract new customers.

N/A

1 more metrics, Wall Street expectations, options signals, track record, and call prep available with Pro.

NTB Q2-2026 Earnings Preview

Context

Company Snapshot

Earnings Scorecard·Last 8Q

EPS Beat Streak

EPS Beat Rate

100%

Avg EPS Surprise

+12.52%

Avg Stock Reaction

+0.25%

Last Quarter Recap

In Q1-2026, NTB reported an EPS of $1.55, surpassing estimates by 11.11%. The stock reacted positively, gaining 0.48% the following day.

Management Promises & Guidance

Expectations

Wall Street Expectations

Overall, expectations for NTB's upcoming earnings are mixed, with investors keen to see if the bank can maintain its strong EPS performance.

Bull Case

If NTB continues its trend of beating EPS estimates, it could signal robust financial health and attract more investors.

Bear Case

Conversely, if the bank fails to meet expectations or shows signs of revenue stagnation, it could lead to a decline in stock price.

Expectations

Two Questions That Matter

The print will turn on these two things.

What will the EPS be for Q2-2026?

Given NTB's history of beating EPS estimates, the market will closely watch this figure to gauge ongoing profitability.

How has the net interest margin changed this quarter?

Changes in net interest margin can significantly impact the bank's profitability and overall financial health.

Edge

What the Street Is Missing

Why consensus could be wrong

The Street may underestimate NTB's ability to maintain its EPS growth due to its strong customer base and diversified services.

Supporting Evidence

NTB has consistently beaten EPS estimates in the past, indicating strong operational performance.

The bank's focus on wealth management and commercial banking may provide stability in uncertain economic times.

Key Risk

If the EPS comes in below $1.40, it could challenge the positive growth narrative.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

The market is debating whether NTB can sustain its strong performance amid economic challenges.

Bull Confirmed If

An EPS of $1.60 or higher would confirm the bull case, indicating strong earnings growth.

Bear Confirmed If

An EPS below $1.40 would suggest a potential downturn in profitability.

Pre-Earnings Positioning

Options Market

Implied Move

±15.94%

Historical Avg

±0.6%

Pricing rich

The options market is pricing in a significant potential move in NTB's stock following the earnings report, indicating heightened volatility expectations.

Options are pricing ±15.9% while NTB has averaged ±0.6% over the last 8 prints — setup is pricing rich.

Detail

ATM IV

0.2%

30d HV

18.4%

Preparation

Post-Print Playbook

Likely market behavior by outcome — not investment advice.

Beat & Raise

If NTB beats expectations, history suggests the stock could rise by around 0.25%, confirming a positive outlook.

In-Line / Cautious

If results are in line but management provides cautious commentary, the stock may remain flat or see minor fluctuations.

Miss

A miss on EPS could lead to a decline, with historical data suggesting a potential drop of around 0.60%.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on the bank's strategy for expanding its wealth management services.
2Insights into changes in net interest margin and how it affects profitability.
3Management's outlook on economic conditions and their impact on lending.
4Details on customer acquisition and retention strategies.
5Any commentary on regulatory changes affecting the banking sector.