N NTB

Bank of N T Butterfield & Son Ltd

$59.94

-0.50% ($0.30)

Volume 118,630

52W High $64.17

52W Low $40.59

Market Cap $2.43B

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What to Watch This Quarter

Based on historical data

Consensus EPS

$1.55

Whisper EPS

$1.67

7.5% above consensus

Last Quarter

$1.58

Current Streak

7 Beats

Avg Surprise (4Q)

+12.05%

Next Earnings Report

Reports in 41 days

Report Date Oct 27, 2026

Whisper Spread +7.48%

Consensus Estimate

$1.55

Official analyst average

Whisper Number

$1.67

What traders expect

Bullish Sentiment: The whisper number is 7.5% above consensus, suggesting traders expect a strong beat. The stock may be priced for upside surprise.

Price Chart

EPS History: Consensus vs Actual

Last 11 quarters

Price Movement Around Earnings

Q2 2026 Jul 27, 2026

1-Day: -1.32%

Q1 2026 Apr 29, 2026

1-Day: +1.54%

5-Day: +0.27%

Q1 2026 Apr 28, 2026

1-Day: -2.66%

Q1 2026 Apr 22, 2026

1-Day: +1.19%

5-Day: +0.38%

Revenue & Financial Performance

Quarter	Revenue	YoY Growth	Gross Margin	Op Margin	Net Income
Q4'25	$202.9M	-3.0%	78.4%	32.5%	$63.8M
Q3'25	$200.5M	-2.6%	76.4%	31.2%	$61.1M
Q2'25	$198.0M	-2.6%	73.9%	27.5%	$53.3M
Q1'25	$198.5M	+0.2%	74.7%	27.7%	$53.8M
Q4'24	$209.2M	+44.4%	72.7%	29.2%	$59.6M
Q3'24	$206.0M	+44.9%	69.3%	26.2%	$52.7M
Q2'24	$203.3M	+38.7%	70.2%	25.3%	$50.6M
Q1'24	$198.0M	+34.1%	72.1%	27.4%	$53.4M

Historical Earnings

Last 12 quarters

Quarter	Date	Consensus	Whisper	Actual EPS	Surprise %	Result
Q2 2026	Jul 27, 2026	$1.51	$1.62	$1.58	+4.64%	Missed
Q1 2026	Apr 29, 2026	$1.21	$1.25	$1.55	+28.10%	Beat
Q1 2026	Apr 28, 2026	$1.40	$1.47	$1.55	+10.71%	Beat
Q1 2026	Apr 22, 2026	$1.39	$1.48	--	--	--
Q4 2025	Feb 16, 2026	$1.47	$1.57	$1.54	+4.76%	Missed
Q4 2025	Feb 9, 2026	$1.47	$1.58	$1.54	+4.76%	Missed
Q3 2025	Oct 28, 2025	$1.31	$1.41	$1.51	+15.27%	Beat
Q2 2025	Jul 28, 2025	$1.22	$1.35	$1.26	+3.28%	Missed
Q2 2025	Jul 21, 2025	$1.25	$1.34	$1.26	+0.80%	Missed
Q1 2025	Apr 23, 2025	$1.09	$1.15	$1.30	+19.27%	Beat
Q1 2025	Apr 21, 2025	$1.09	$1.15	$1.30	+19.63%	Beat
Q4 2024	Feb 10, 2025	$1.17	$1.22	$1.34	+14.53%	Beat