Equity Profile

NTB

The Bank of N.T. Butterfield & Son Limited

FinancialsDiversified Banks$2.3B

Jul27Mon

Pre-Earnings Brief

UpcomingQ2-2026After Close5:00 PM EDT

Company Snapshot

Key Metrics to Watch

Earnings Per Share (EPS)

EPS is a key indicator of the company's profitability and will help gauge its financial health this quarter.

N/A

Revenue Growth

Revenue growth is essential for assessing the bank's ability to expand 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 that provides a range of financial services including personal and corporate banking, wealth management, and investment services. With a market cap of $2 billion, it plays a crucial 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, exceeding expectations by 11.11%. The stock reacted positively, gaining 0.48% the following day.

Management Promises & Guidance

Expectations

Wall Street Expectations

Investors are cautiously optimistic ahead of NTB's earnings report, given its consistent track record of beating EPS estimates.

Bull Case

If NTB continues its trend of outperforming expectations, it could see significant stock appreciation, especially if revenue growth is strong.

Bear Case

Conversely, if the bank fails to meet expectations or shows signs of slowing loan growth, it could lead to a negative market reaction.

Expectations

Two Questions That Matter

The print will turn on these two things.

What will the EPS be this quarter?

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

How has loan growth trended in the last quarter?

Loan growth is a critical indicator of the bank's future revenue potential and overall demand for its services.

Edge

What the Street Is Missing

Why consensus could be wrong

The Street may underestimate NTB's ability to sustain loan growth despite economic headwinds, given its strong historical performance.

Supporting Evidence

NTB has consistently beaten EPS estimates, indicating strong management execution.

Options pricing suggests a larger move than historical averages, hinting at potential surprises.

The bank's focus on wealth management could buffer against economic downturns.

Key Risk

If loan growth exceeds expectations, it could significantly alter the market's perception of NTB's stability.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

The market is debating whether NTB can maintain its growth trajectory amidst changing economic conditions.

Bull Confirmed If

EPS growth of +10% or better compared to the previous quarter would confirm the bull case.

Bear Confirmed If

Any decline in loan growth or a significant miss on EPS would confirm the bear case.

Pre-Earnings Positioning

Options Market

Implied Move

±15.94%

Historical Avg

±0.6%

Pricing rich

The options market is pricing in a significant move, suggesting that investors expect volatility around the earnings announcement.

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 a positive reaction with an average 1-day move of +0.25%, confirming strong performance.

In-Line / Cautious

A cautious inline result could lead to muted stock movement as investors await further guidance.

Miss

If NTB misses expectations, the stock could see a decline, with historical patterns suggesting a potential drop.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on loan growth and demand for credit.
2Management's outlook on economic conditions affecting the bank.
3Details on cost management and efficiency improvements.
4Insights into customer acquisition strategies.
5Any commentary on regulatory impacts on operations.

See the full picture

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

No charge today · Auto-bills $8/mo after 7 days · Cancel anytime

More Earnings This Week

5 Reports

Jul27

DYNBMO

Dyne Therapeutics, Inc.

Insider activity

PreviewView

Jul

Company Snapshot

Key Metrics to Watch

Earnings Per Share (EPS)

EPS is a key indicator of the company's profitability and will help gauge its financial health this quarter.

N/A

Revenue Growth

Revenue growth is essential for assessing the bank's ability to expand 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, exceeding expectations by 11.11%. The stock reacted positively, gaining 0.48% the following day.

Management Promises & Guidance

Expectations

Wall Street Expectations

Investors are cautiously optimistic ahead of NTB's earnings report, given its consistent track record of beating EPS estimates.

Bull Case

If NTB continues its trend of outperforming expectations, it could see significant stock appreciation, especially if revenue growth is strong.

Bear Case

Conversely, if the bank fails to meet expectations or shows signs of slowing loan growth, it could lead to a negative market reaction.

Expectations

Two Questions That Matter

The print will turn on these two things.

What will the EPS be this quarter?

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

How has loan growth trended in the last quarter?

Loan growth is a critical indicator of the bank's future revenue potential and overall demand for its services.

Edge

What the Street Is Missing

Why consensus could be wrong

The Street may underestimate NTB's ability to sustain loan growth despite economic headwinds, given its strong historical performance.

Supporting Evidence

NTB has consistently beaten EPS estimates, indicating strong management execution.

Options pricing suggests a larger move than historical averages, hinting at potential surprises.

The bank's focus on wealth management could buffer against economic downturns.

Key Risk

If loan growth exceeds expectations, it could significantly alter the market's perception of NTB's stability.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

The market is debating whether NTB can maintain its growth trajectory amidst changing economic conditions.

Bull Confirmed If

EPS growth of +10% or better compared to the previous quarter would confirm the bull case.

Bear Confirmed If

Any decline in loan growth or a significant miss on EPS would confirm the bear case.

Pre-Earnings Positioning

Options Market

Implied Move

±15.94%

Historical Avg

±0.6%

Pricing rich

The options market is pricing in a significant move, suggesting that investors expect volatility around the earnings announcement.

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 a positive reaction with an average 1-day move of +0.25%, confirming strong performance.

In-Line / Cautious

A cautious inline result could lead to muted stock movement as investors await further guidance.

Miss

If NTB misses expectations, the stock could see a decline, with historical patterns suggesting a potential drop.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on loan growth and demand for credit.
2Management's outlook on economic conditions affecting the bank.
3Details on cost management and efficiency improvements.
4Insights into customer acquisition strategies.
5Any commentary on regulatory impacts on operations.