Butterfield vs First Bancorp

Butterfield and First Bancorp are the focus of this page, which compares their business models, financial performance, and market context. The comparison is presented in plain terms to help readers understand how each organisation operates, how earnings and assets are framed, and the environments in which they operate. Educational content, not financial advice.

About The Companies

Butterfield (NTB)

First Bancorp (FBNC)

First Bancorp (FBNC) is a US regional bank holding company with a market capitalisation of about $2.02 billion. It provides core banking services — including deposit-taking, commercial and consumer lending, mortgage services and basic wealth management — primarily to local communities in the regions it serves. For investors, key features to note are its sensitivity to the interest-rate cycle, loan book quality and local economic conditions, which can materially affect earnings and credit losses. The company has grown through organic lending and selective acquisitions, which can offer scale but also integration and regulatory risks. As a bank, it faces standard sector considerations: capital and liquidity regulation, competition from larger banks and fintechs, and cyclical demand for credit. This summary is educational and not personalised advice: values can fall as well as rise, and past performance is no guarantee of future returns. Consider your goals and risk tolerance before making investment decisions.

Comparison Snapshot

Key Financial Metrics

NTB

Metric

FBNC

$2.23B

Market Cap

$2.21B

-4.45%

Potential Profit

10.10%

Buy

Analyst Rating

Buy

Which Baskets Do They Appear In?

No baskets available in this category

Which Baskets Do They Appear In?

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Investment Analysis

Butterfield

NTB

Pros

Butterfield has a diversified geographic presence across Bermuda, Cayman Islands, Channel Islands, the UK, and other international financial centres.
The bank offers a broad range of services including retail, private and corporate banking, wealth management, and fiduciary services enhancing revenue streams.
Butterfield has a longstanding history since 1858 and is the largest independent bank in Bermuda, supporting brand recognition and client trust.

Considerations

The bank faces exposure to multiple regulatory environments, increasing compliance complexity and potential costs.
Recent earnings estimates indicate a slight expected decline in EPS next year, suggesting short-term profitability pressures.
Butterfield's return on assets (ROA) is modest, indicating limited efficiency in asset utilisation compared to some peers.

First Bancorp

FBNC

Pros

First Bancorp has a solid regional footprint primarily focused on community and commercial banking markets, which supports stable customer relationships.
Strong capital position and liquidity ratios underpin financial resilience and capacity for lending growth.
Recent strategic initiatives to expand digital banking capabilities aim to enhance customer experience and operational efficiency.

Considerations

The bank is subject to regional economic cyclicality that can affect loan demand and asset quality.
Competition from larger national banks and fintech firms may pressure margins and market share.
Relatively limited geographic diversification could increase vulnerability to localized downturns affecting loan performance.

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About The Companies

Comparison Snapshot

Which Baskets Do They Appear In?

Which Baskets Do They Appear In?

Investment Analysis

Butterfield

Pros

Considerations

First Bancorp

Pros

Considerations

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Trusted & Regulated

6% Interest on Cash

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Frequently asked questions

What is highlighted by comparing the business models of Butterfield and First Bancorp?

How is ‘diversification’ reflected in the two banks’ profiles?

What should I look for when evaluating profitability trends from the PDFs or summaries provided?

Why are regulatory exposure and compliance costs mentioned for Butterfield important?

How do capital position and liquidity influence investment decisions for these banks?

What role does return on assets (ROA) play in comparing these banks?

How do regional economic cycles affect the two banks differently?

What do the cons suggest about competitive pressures facing each bank?

How should I use this page to compare the earnings and asset bases of the two banks?

What is the purpose of including education and context in this comparison?

What does ‘geographic diversification’ mean for risk and opportunity?

What should a beginner keep in mind about reading ‘pros & cons’ lists for banks?

About The Companies

Comparison Snapshot