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SPNS vs NTB

Comparison between Sapiens International Corp NV (SPNS, Company) and Bank of N T Butterfield & Son Ltd (NTB, Company).

SPNS is from the Technology sector, while NTB is from the Financial Services sector.

5-Year PerformanceNTB has outperformed SPNS, delivering a return of +18.0% compared to +11.4%

SPNS vs NTB - Performance Comparison

Key Characteristics

Financial metrics and valuation ratios

Market Cap
Winner
SPNS
$2.43B
NTB
$2.42B
Max Drawdown
SPNS
99.28%
Winner
NTB
71.87%
Sharpe Ratio
SPNS
1.03
Winner
NTB
1.55
5Y Beta
SPNS
N/A
NTB
0.62
Industry
SPNS
Software - Application
NTB
Banks - Diversified
P/E Ratio
SPNS
33.64
Winner
NTB
10.45
Forward P/E
SPNS
29.59
NTB
N/A
PEG Ratio
SPNS
2.20
Winner
NTB
0.62
Dividend Yield
SPNS
1.38%
Winner
NTB
3.30%
5Y Dividends CAGR
Winner
SPNS
33.99%
NTB
-1.89%
5Y EPS CAGR
Winner
SPNS
19.81%
NTB
14.55%
Debt to Equity
SPNS
8.25%
Winner
NTB
0.00%
Free Cash Flow Yield
SPNS
3.27%
Winner
NTB
11.53%
P/S Ratio
SPNS
N/A
NTB
3.92
P/B Ratio
SPNS
N/A
NTB
2.13

SPNS vs NTB - Historical Returns

Returns include dividend reinvestment.

1M
SPNS
+0.72%
Winner
NTB
+2.34%
3M
SPNS
+1.02%
Winner
NTB
+8.14%
6M
Winner
SPNS
+53.10%
NTB
+21.72%
1Y
Winner
SPNS
+56.07%
NTB
+38.76%
5Y(CAGR)
SPNS
+11.44%
Winner
NTB
+18.03%
10Y(CAGR)
Winner
SPNS
+17.93%
NTB
+14.79%
Max(CAGR)
SPNS
+0.62%
Winner
NTB
+14.79%

SPNS vs NTB - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

YearSPNSNTB
2026N/A+23.66%
2025+71.02%+43.22%
2024-2.56%+20.11%
2023+56.77%+12.79%
2022-45.70%-18.69%
2021+15.44%+27.85%
2020+31.91%-10.89%
2019+112.34%+22.05%
2018-6.92%-11.83%
2017-20.24%+19.19%
2016+42.15%+27.50%
2015+45.61%N/A
2014-2.12%N/A
2013+96.82%N/A
2012+6.38%N/A
2011+62.07%N/A
2010+55.41%N/A
2009-20.41%N/A
2008+44.01%N/A
2007-10.74%N/A
2006-2.60%N/A
2005-42.75%N/A
2004-31.49%N/A
2003-11.24%N/A
2002-11.76%N/A
2001-11.76%N/A
2000-93.16%N/A
1999+73.05%N/A

SPNS vs NTB Drawdown Comparison

The maximum drawdown for SPNS was -99.28%, occurring on Mar 5, 2009. This drawdown has not yet recovered.

The maximum drawdown for NTB was -69.72%, occurring on Mar 20, 2020. Recovery took 1485 trading sessions.

The current SPNS drawdown is -47.10%. The current NTB drawdown is -3.41%.

RankSPNSNTB
#1-99.28%
Jan 24, 2000 - Mar 5, 2009
-69.72%
Aug 17, 2018 - Jul 16, 2024
#2-18.64%
Dec 27, 1999 - Jan 14, 2000
-13.98%
Jul 17, 2024 - Nov 6, 2024
#3-13.43%
Dec 13, 1999 - Dec 27, 1999
-13.18%
Feb 12, 2025 - May 2, 2025
#4-6.60%
Nov 9, 1999 - Nov 26, 1999
-11.45%
Jul 10, 2025 - Nov 3, 2025
#5-5.26%
Nov 1, 1999 - Nov 8, 1999
-10.85%
Nov 6, 2024 - Feb 11, 2025
#6-4.54%
Nov 30, 1999 - Dec 7, 1999
-10.74%
Jan 25, 2017 - May 3, 2017
#7-4.13%
Dec 9, 1999 - Dec 13, 1999
-9.38%
Jul 10, 2017 - Sep 18, 2017
#8N/A-9.05%
Dec 1, 2017 - Jan 11, 2018
#9N/A-7.48%
Mar 7, 2018 - Apr 24, 2018
#10N/A-7.04%
Feb 1, 2018 - Feb 15, 2018
#11N/A-6.85%
May 9, 2018 - Jul 25, 2018
#12N/A-6.57%
Nov 16, 2016 - Dec 9, 2016
#13N/A-6.34%
Feb 20, 2026 - Apr 2, 2026
#14N/A-5.91%
Oct 26, 2017 - Nov 22, 2017
#15N/A-5.04%
Jun 16, 2017 - Jul 7, 2017

Correlation

Correlation between SPNS and NTB is 0.54 which considered as a moderate positive correlation - the stocks show some tendency to move together.

0.54
-101

Dividend Comparison (2013 - 2026)

SPNS vs NTB dividend yield comparison.

YearSPNSNTB
20260.00%1.66%
20251.52%3.77%
20242.12%4.82%
20231.76%5.50%
20223.79%5.90%
20211.07%4.62%
20200.46%5.65%
20190.96%4.75%
20181.81%4.85%
20171.74%3.53%
20161.39%0.32%
20154.41%0.00%
20131.95%0.00%

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