NTB vs FIBK vs BOKF vs BANR vs FFIN

For growth investors, First Financial Bankshares, Inc.

(FFIN) is the stronger pick with 18. 8% revenue growth year-over-year, versus -28. 5% for First Interstate BancSystem, Inc. (FIBK). The Bank of N. T. Butterfield & Son Limited (NTB) offers the better valuation at 10. 1x trailing P/E (8. 8x forward), making it the more compelling value choice. Analysts rate The Bank of N. T. Butterfield & Son Limited (NTB) a "Hold" — based on 7 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.

On trailing P/E, The Bank of N.

T. Butterfield & Son Limited (NTB) is the cheapest at 10. 1x versus First Financial Bankshares, Inc. at 20. 3x. On forward P/E, The Bank of N. T. Butterfield & Son Limited is actually cheaper at 8. 8x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: The Bank of N. T. Butterfield & Son Limited wins at 0. 65x versus First Interstate BancSystem, Inc. 's 4. 23x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.

Over the past 5 years, The Bank of N.

T. Butterfield & Son Limited (NTB) delivered a total return of +70. 8%, compared to -27. 0% for First Financial Bankshares, Inc. (FFIN). Over 10 years, the gap is even starker: NTB returned +187. 7% versus FIBK's +39. 2%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), The Bank of N.

T. Butterfield & Son Limited (NTB) is the lower-risk stock at 0. 65β versus BOK Financial Corporation's 1. 00β — meaning BOKF is approximately 55% more volatile than NTB relative to the S&P 500. On balance sheet safety, The Bank of N. T. Butterfield & Son Limited (NTB) carries a lower debt/equity ratio of 3% versus 80% for BOK Financial Corporation — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), First Financial Bankshares, Inc.

(FFIN) is pulling ahead at 18. 8% versus -28. 5% for First Interstate BancSystem, Inc. (FIBK). On earnings-per-share growth, the picture is similar: First Interstate BancSystem, Inc. grew EPS 34. 2% year-over-year, compared to 1. 5% for BOK Financial Corporation. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

First Financial Bankshares, Inc.

(FFIN) is the more profitable company, earning 30. 2% net margin versus 15. 6% for BOK Financial Corporation — meaning it keeps 30. 2% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: FIBK leads at 37. 0% versus 19. 8% for BOKF. At the gross margin level — before operating expenses — FIBK leads at 97. 5%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.

The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.

By this metric, The Bank of N. T. Butterfield & Son Limited (NTB) is the more undervalued stock at a PEG of 0. 65x versus First Interstate BancSystem, Inc. 's 4. 23x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, The Bank of N. T. Butterfield & Son Limited (NTB) trades at 8. 8x forward P/E versus 15. 6x for First Financial Bankshares, Inc. — 6. 8x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for FFIN: 23. 8% to $39. 25.

All stocks in this comparison pay dividends.

First Interstate BancSystem, Inc. (FIBK) offers the highest yield at 5. 5%, versus 1. 7% for BOK Financial Corporation (BOKF).

For long-horizon retirement investors, The Bank of N.

T. Butterfield & Son Limited (NTB) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 65), 3. 3% yield, +187. 7% 10Y return). Both have compounded well over 10 years (NTB: +187. 7%, FIBK: +39. 2%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.

Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.

In terms of investment character: NTB is a small-cap deep-value stock; FIBK is a small-cap deep-value stock; BOKF is a small-cap deep-value stock; BANR is a small-cap deep-value stock; FFIN is a small-cap high-growth stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.