N NTB

Bank of N T Butterfield & Son Ltd

$53.47

+0.91% (+$0.48)

Volume 113,749

52W High $55.84

52W Low $34.86

Market Cap $2.21B

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What to Watch This Quarter

Based on historical data

Consensus EPS

$1.39

Whisper EPS

$1.46

5.2% above consensus

Last Quarter

$1.54

Current Streak

2 Beats

Avg Surprise (4Q)

+6.65%

Next Earnings Report

Reports in 15 days

Report Date Apr 22, 2026

Whisper Spread +5.22%

Consensus Estimate

$1.39

Official analyst average

Whisper Number

$1.46

What traders expect

Bullish Sentiment: The whisper number is 5.2% 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

Q4 2025 Feb 9, 2026

1-Day: -1.16%

Q3 2025 Oct 28, 2025

1-Day: +5.52%

Q2 2025 Jul 21, 2025

1-Day: -0.48%

Revenue & Financial Performance

Revenue Whisper

$214.0M

TWN Proprietary Estimate

Last Quarter Revenue

$202.9M

-3.0% YoY

Gross Margin

78.4%

Net Margin: 31.5%

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
Q4 2025	Feb 16, 2026	$1.47	$1.57	$1.54	+4.76%	Missed
Q4 2025	Feb 9, 2026	$1.47	$1.58	--	--	--
Q3 2025	Oct 28, 2025	$1.32	$1.41	$1.51	+14.39%	Beat
Q2 2025	Jul 21, 2025	$1.25	$1.34	$1.26	+0.80%	Missed
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
Q3 2024	Oct 22, 2024	$1.14	$1.17	$1.16	+1.75%	Met
Q2 2024	Jul 22, 2024	$1.05	$1.06	$1.09	+3.81%	Beat
Q1 2024	Apr 23, 2024	$0.97	$0.98	$1.13	+16.49%	Beat
Q4 2023	Feb 12, 2024	$1.11	$1.14	$1.11	+0.00%	Missed
Q3 2023	Oct 24, 2023	$1.13	$1.17	$0.99	-12.39%	Missed
Q2 2023	Jul 31, 2023	$1.16	$1.20	$1.22	+5.17%	Beat