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NTB vs WFC
Which Stock Would AI Choose? The Bank of N.T. Butterfield & Son Limited (NTB) vs. Wells Fargo & Company (WFC) Stock Comparison
Key Takeaways
- NTB has delivered stronger year-to-date total returns than WFC amid broader market conditions.
- WFC passed the 2026 Federal Reserve stress test and announced plans to increase its quarterly dividend by 11% to $0.50 per share.
- NTB was added to several Russell growth and small-cap indices in late June 2026, potentially broadening its investor base.
- NTB reports higher return on equity metrics from its Q1 2026 results compared with typical large-bank averages.
- WFC is scheduled to report Q2 2026 earnings on July 14, 2026, while NTB is set to report on July 27, 2026.
- Both banks operate in the financial sector but differ significantly in scale, geographic focus, and regulatory exposure.
Introduction
This comparison examines NTB, The Bank of N.T. Butterfield & Son Limited, and WFC, Wells Fargo & Company, two publicly traded banking institutions with distinct profiles. Institutional and retail investors seeking exposure to the financial sector often evaluate such pairs to assess relative performance, risk-adjusted returns, and positioning within the broader banking landscape. The analysis highlights observable market activity, recent corporate developments, and key operational metrics over recent weeks to support informed decision-making.
NTB Overview and Recent Performance
The Bank of N.T. Butterfield & Son Limited operates as a Bermuda-headquartered international bank providing wealth management, corporate banking, and retail services primarily in Bermuda, the Cayman Islands, and select international markets. In recent market activity, NTB shares have traded near the upper end of their 52-week range, supported by solid Q1 2026 results that showed core net income of $63.2 million and a core return on average tangible common equity of 24.1%. Sentiment has been further influenced by the stock’s addition to multiple Russell growth and small-cap indices in late June 2026, which broadened visibility among index-tracking funds. Year-to-date total returns have outpaced the S&P 500 benchmark, reflecting resilience in net interest margin and deposit cost management.
WFC Overview and Recent Performance
Wells Fargo & Company is a major U.S. diversified financial services company offering consumer banking, commercial banking, wealth management, and investment banking services across the United States and internationally. In recent market activity, WFC shares have fluctuated in the mid-$80 range following completion of the 2026 Federal Reserve stress test and the announcement of an intended 11% dividend increase to $0.50 per share. The company has also reiterated its $50 billion net interest income target for 2026, with management highlighting expectations for a step-up in the second quarter. Upcoming Q2 2026 earnings on July 14, 2026, remain a focal point for investors monitoring loan growth and credit quality trends.
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Head-to-Head Comparison
NTB functions as a smaller, regionally focused international bank with significant wealth-management revenue, whereas WFC operates as a large-scale U.S. institution with broad consumer and commercial lending exposure. Growth drivers for NTB include recent index inclusions and acquisition-related expansion, while WFC benefits from scale efficiencies and capital-return initiatives such as the planned dividend increase. Recent momentum favors NTB on a year-to-date total return basis, although WFC carries greater regulatory scrutiny and larger absolute market capitalization. Risk factors differ accordingly: NTB faces geographic concentration and smaller liquidity profile, while WFC contends with ongoing oversight and interest-rate sensitivity across a wider asset base. Market sentiment reflects these contrasts, with NTB showing index-driven inflows and WFC reacting to stress-test outcomes and forward guidance.
Tickeron AI Verdict
Based on observable factors such as trend consistency over recent weeks, index inclusion effects, and relative positioning within sector peers, Tickeron’s AI models currently assign a modestly higher probability of favorable near-term momentum to NTB. This assessment incorporates NTB’s stronger year-to-date performance and recent visibility gains alongside WFC’s larger scale and upcoming earnings catalyst. Outcomes remain subject to broader market conditions and earnings results.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer.
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is NTB is a Buy and WFC is a Hold.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
NTB’s FA Score shows that 2 FA rating(s) are green whileWFC’s FA Score has 2 green FA rating(s).
- NTB’s FA Score: 2 green, 3 red.
- WFC’s FA Score: 2 green, 3 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
NTB’s TA Score shows that 2 TA indicator(s) are bullish while WFC’s TA Score has 6 bullish TA indicator(s).
- NTB’s TA Score: 2 bullish, 4 bearish.
- WFC’s TA Score: 6 bullish, 4 bearish.
Price Growth
NTB (@Major Banks) experienced а +0.02% price change this week, while WFC (@Major Banks) price change was +1.93% for the same time period.
The average weekly price growth across all stocks in the @Major Banks industry was -0.22%. For the same industry, the average monthly price growth was +5.57%, and the average quarterly price growth was +18.77%.
Reported Earning Dates
NTB is expected to report earnings on Jul 27, 2026.
WFC is expected to report earnings on Jul 14, 2026.
Industries' Descriptions
@Major Banks (-0.22% weekly)Major banks are among the biggest companies in the world, often times with global reach and market capitalizations in the multi-billions. Large banks often have multiple arms spanning different disciplines, from deposits, to investment banking, to wealth management and insurance. The biggest banks often have key competitive advantages over smaller players in the industry in terms of brand recognition, cost of capital, and efficiency. Think J.P. Morgan, Bank of America, Wells Fargo, and Citigroup.
| NTB | WFC | NTB / WFC | |
| Capitalization | 2.4B | 268B | 1% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 23.942 | -4.931 | -486% |
| P/E Ratio | 10.51 | 13.55 | 78% |
| Revenue | 615M | 85B | 1% |
| Total Cash | 120M | 33.5B | 0% |
| Total Debt | 98.8M | 216B | 0% |
NTB | WFC | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 50 | 50 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 93 Overvalued | 64 Fair valued | |
PROFIT vs RISK RATING 1..100 | 17 | 21 | |
SMR RATING 1..100 | 32 | 4 | |
PRICE GROWTH RATING 1..100 | 44 | 51 | |
P/E GROWTH RATING 1..100 | 42 | 59 | |
SEASONALITY SCORE 1..100 | 50 | 50 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
WFC's Valuation (64) in the Major Banks industry is in the same range as NTB (93) in the null industry. This means that WFC’s stock grew similarly to NTB’s over the last 12 months.
NTB's Profit vs Risk Rating (17) in the null industry is in the same range as WFC (21) in the Major Banks industry. This means that NTB’s stock grew similarly to WFC’s over the last 12 months.
WFC's SMR Rating (4) in the Major Banks industry is in the same range as NTB (32) in the null industry. This means that WFC’s stock grew similarly to NTB’s over the last 12 months.
NTB's Price Growth Rating (44) in the null industry is in the same range as WFC (51) in the Major Banks industry. This means that NTB’s stock grew similarly to WFC’s over the last 12 months.
NTB's P/E Growth Rating (42) in the null industry is in the same range as WFC (59) in the Major Banks industry. This means that NTB’s stock grew similarly to WFC’s over the last 12 months.
| NTB | WFC | |
|---|---|---|
| RSI ODDS (%) | N/A | 4 days ago 63% |
| Stochastic ODDS (%) | 4 days ago 49% | 4 days ago 64% |
| Momentum ODDS (%) | N/A | 4 days ago 69% |
| MACD ODDS (%) | 4 days ago 59% | 4 days ago 70% |
| TrendWeek ODDS (%) | 4 days ago 62% | 4 days ago 66% |
| TrendMonth ODDS (%) | 4 days ago 59% | 4 days ago 56% |
| Advances ODDS (%) | 4 days ago 64% | 4 days ago 63% |
| Declines ODDS (%) | 14 days ago 55% | 6 days ago 59% |
| BollingerBands ODDS (%) | 4 days ago 61% | 4 days ago 65% |
| Aroon ODDS (%) | 4 days ago 51% | 4 days ago 54% |
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WFC and
Correlation & Price change
A.I.dvisor indicates that over the last year, WFC has been closely correlated with BAC. These tickers have moved in lockstep 80% of the time. This A.I.-generated data suggests there is a high statistical probability that if WFC jumps, then BAC could also see price increases.