Spoken Alpha
NTB
Bank of N.T. Butterfield & Son Ltd
Overview
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
Management language signature
Disclosures
Investor Relations
Extracted from Unknown source, 2026-06-21.
Transcripts
Recent earnings calls
Most recent calls indexed for this ticker. Open any call to drill into prepared remarks and Q&A.
- Q1 FY2026Earnings2026-04-2913 Q&A exchanges
- Q4 FY2025Earnings2026-02-107 Q&A exchanges
- Q3 FY2025Earnings2025-10-295 Q&A exchanges
- Q2 FY2025Earnings2025-07-297 Q&A exchanges
- Q1 FY2025Earnings2025-04-2417 Q&A exchanges
- Q4 FY2024Earnings2025-02-1116 Q&A exchanges
- Q3 FY2024Earnings2024-10-2314 Q&A exchanges
- Q2 FY2024Earnings2024-07-235 Q&A exchanges
- Q1 FY2024Earnings2024-04-249 Q&A exchanges
- Q4 FY2023Earnings2024-02-1330 Q&A exchanges
- Q3 FY2023Earnings2023-10-2516 Q&A exchanges
- Q2 FY2023Earnings2023-08-0126 Q&A exchanges
- Q1 FY2023Earnings2023-04-2510 Q&A exchanges
- Q4 FY2022Earnings2023-02-1417 Q&A exchanges
- Q3 FY2022Earnings2022-11-0120 Q&A exchanges
- Q2 FY2022Earnings2022-07-2613 Q&A exchanges
- Q1 FY2022Earnings2022-05-038 Q&A exchanges
- Q4 FY2021Earnings2022-02-1526 Q&A exchanges
- Q3 FY2021Earnings2021-10-3018 Q&A exchanges
- Q2 FY2021Earnings2021-07-278 Q&A exchanges
- Q1 FY2021Earnings2021-05-0113 Q&A exchanges
History
Earnings history
Reported quarters with consensus, surprise, and 1-day reaction context.
Track Record
SampleSpoken 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
SampleRepeated 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.
Quarterly beats & misses
Sample| 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% |
Guidance change history
Sample- Q1 FY2026Lowered2026-04-15
- Q4 FY2026Lowered2026-13-15
- Q3 FY2026Lowered2026-10-15
- Q2 FY2026Lowered2026-07-15
- Q1 FY2025Lowered2025-04-15
- Q4 FY2025Lowered2025-13-15
- Q3 FY2025Lowered2025-10-15
- Q2 FY2025Lowered2025-07-15
Peers
Other companies in Financial Services
Sector peers tracked by Spoken Alpha. Each links to the same machine-readable IR surface — earnings calls, executives, and accountability scores.
API
For developers and AI agents
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
Frequently asked about NTB
Where can I find Bank of N.T. Butterfield & Son Ltd's (NTB) earnings call transcripts?
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.
When was Bank of N.T. Butterfield & Son Ltd's most recent earnings call?
Bank of N.T. Butterfield & Son Ltd (NTB) held its most recent earnings call on 2026-04-29, covering fiscal Q1 2026.
What sector is NTB in?
Bank of N.T. Butterfield & Son Ltd (NTB) operates in the Financial Services sector (Banks - Diversified industry).