Bank of N.T. Butterfield & Son Ltd
Bank of N.T. Butterfield & Son Ltd is a Financial Services company operating in Banks - Diversified with a $2.32B market cap.
Most recent earnings call: Q1 FY26 on Apr 29, 2026.
21 earnings calls indexed on Spoken Alpha.
Behavioral analysis
Disclosures
Extracted from Unknown source, 2026-06-21.
Transcripts
Most recent calls indexed for this ticker. Open any call to drill into prepared remarks and Q&A.
History
Reported quarters with consensus, surprise, and 1-day reaction context.
Spoken Alpha tracks NTB's historical accountability: how often management beat consensus, how the stock reacted, and how guidance evolved across the cycle. The figures below are illustrative placeholder data generated for layout — they will be replaced with real deviation metrics, True Consensus values, and EODHD price reactions as those data layers land.
Misses consensus 10/10 quarters
SamplePeers
Sector peers tracked by Spoken Alpha. Each links to the same machine-readable IR surface — earnings calls, executives, and accountability scores.
API
The same data on this page is available as a machine-readable feed via the Spoken Alpha API. One call returns the IR URL, recent transcripts, and accountability scores for NTB.
$ curl https://api.spokenalpha.com/v1/companies/NTBFAQ
Spoken Alpha indexes NTB's earnings call transcripts at https://spokenalpha.com/companies/NTB. Each call links to attributed speakers and parsed analyst Q&A. Bank of N.T. Butterfield & Son Ltd's own investor relations page is at https://www.butterfieldgroup.com/investor-relations.
Bank of N.T. Butterfield & Son Ltd (NTB) held its most recent earnings call on 2026-04-29, covering fiscal Q1 2026.
Bank of N.T. Butterfield & Son Ltd (NTB) operates in the Financial Services sector (Banks - Diversified industry).
Repeated misses without a guidance reset suggest management is structurally optimistic relative to operating reality. Track whether next-quarter guidance is being benchmarked off the prior miss or the prior plan.
Missed in 4 of the last 4 quarters
SampleRecent misses matter more than long-window beat rate — the trailing 12 months drives the analyst model and the next-print bar.
| Quarter | Actual EPS | Consensus | Surprise | 1D | 5D |
|---|---|---|---|---|---|
| Q1 FY2026 | $0.81 | $0.91 | -10.6% | -5.7% | -6.9% |
| Q4 FY2026 | $0.69 | $0.83 | -17.2% | +2.3% | -0.3% |
| Q3 FY2026 | $0.80 | $1.01 | -20.9% | -1.7% | -1.7% |
| Q2 FY2026 | $0.72 | $0.85 | -15.6% | -7.7% | -5.7% |
| Q1 FY2025 | $0.81 | $1.09 | -25.6% | -4.1% | -4.8% |
| Q4 FY2025 |
| $0.85 |
| $1.08 |
| -21.5% |
| -2.9% |
| -4.7% |
| Q3 FY2025 | $0.88 | $1.16 | -24.0% | -1.6% | -3.0% |
| Q2 FY2025 | $0.86 | $0.99 | -12.7% | +1.4% | +2.0% |
| Q1 FY2024 | $0.86 | $1.09 | -21.4% | -2.7% | -1.6% |
| Q4 FY2024 | $0.87 | $1.08 | -19.8% | +2.1% | +0.3% |