Butterfield Bank (NTB) Q4 Earnings Outlook: Revenue Expected +1.1% YoY to $153.5M, EPS $1.47PS

Butterfield Bank (NYSE:NTB) reports earnings Monday after market close. Fourth-quarter revenue is expected to rise 1.1% year on year to $153.5 million, down from 3.4% in the same quarter of 2024, and adjusted EPS is forecast at $1.47 per share. The company outperformed in Q3, recording $153.9 million in revenue, up 6.8% YoY, and beating both revenue and earnings estimates by average margins of 3.3% over the past two years. Peer performance in regional banking is mixed; Merchants Bancorp revenue fell 4.4% YoY but beat estimates by 7.8%, while UMB Financial posted a 67.5% year-on-year increase and topped estimates by 7%. Regional bank shares averaged up 7.9% in the past month, while NTB is up 5.5% and trades at $53.06 versus an average analyst price target of $50.67.