Banner vs Butterfield

Banner Corp vs Bank of N.T. Butterfield & Son Limited: this page compares the business models, financial performance, and market context of the two organisations in a neutral, accessible way. It explains how each entity operates within its sector without making judgments or forecasts. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

BANR

Metric

NTB

$2.19B

Market Cap

$2.17B

9.04%

Potential Profit

-4.43%

Buy

Analyst Rating

Buy

Investment Analysis

Banner

BANR

Pros

Banner Corporation has shown solid net interest income growth, increasing from $135.68 million in Q3 2024 to $149.99 million in Q3 2025.
The company maintains a diversified loan portfolio serving individuals, businesses, and public sector entities, reducing sector-specific risk.
Banner offers a stable and attractive dividend yield of approximately 3.17%, reflecting consistent shareholder returns.

Considerations

Revenue decreased by 1.41% in 2024 compared to the prior year, coupled with an 8.02% decline in earnings.
The company faces elevated non-interest expenses and strong competitive pressures within the regional banking sector.
Banner’s share price has declined about 16.7% over the past year, indicating market challenges and investor concerns.

Butterfield

NTB

Pros

Bank of N.T. Butterfield & Son Limited is a well-established financial institution with steady operations reflected in consistent stock market presence.
The bank benefits from its niche Bermuda and international foothold, providing diversified geographic exposure uncommon among regional U.S. banks.
NTB has shown resilience with stable revenue streams that support ongoing profitability and shareholder value.

Considerations

Butterfield faces regulatory challenges associated with international banking operations, increasing compliance costs and complexity.
As a smaller bank, NTB experiences relative sensitivity to economic cycles and interest rate fluctuations impacting net interest margins.
The bank operates in a competitive environment with pressure from larger multinational banks and financial technology companies.

About The Companies

Banner (BANR)

Banner Corporation is the bank holding company for Banner Bank, a regional commercial bank headquartered in Washington state. Its core business involves providing a broad range of financial products and services to individuals, businesses, and public sector entities across its primary markets in Washington, Oregon, California, Idaho, and Utah. This includes traditional banking activities such as accepting deposits and originating various types of loans. The bank's lending portfolio is diverse, covering commercial business and real estate, agriculture, construction, and consumer loans. Additionally, Banner Corp participates in the secondary loan market by originating and selling residential mortgage loans. This dual focus allows it to serve its communities directly while also engaging with the wider financial markets. Investors may see it as a key player in the banking sector of the Western United States.

Butterfield (NTB)

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Comparison Snapshot