NTRS vs STT Stock Comparison: AI Score, Valuation, Performance and Upside
Northern Trust and State Street both operate custody and servicing businesses for institutional clients, but Northern Trust emphasizes wealth management for affluent individuals alongside its servicing business, while State Street combines global custody servicing with its large State Street Global Advisors asset management arm, including a substantial ETF business.
Northern Trust offers a wealth management-oriented custody banking franchise, while State Street offers a blended custody servicing and large-scale asset management model anchored by its ETF business. Consider whether you prefer Northern Trust's wealth management focus or State Street's asset management and ETF servicing scale.
STT holds the edge across 3 of 5 key metrics in this comparison. STT leads on both 1-year return (+46.72%) and forward P/E quality (12.63x vs 14.74x for NTRS), a relatively favorable combination of momentum and valuation. NTRS leads on both revenue growth (36.40%) and operating margin (42.50%), suggesting a stronger fundamental setup on both dimensions. Analyst consensus implies meaningfully more upside for STT (+3.19%) than for NTRS (-1.35%).
Human Wall Street analysts' price targets, typically implying a ~12-month view — a separate signal from this site's own AI Prediction Signal further down the page, which is a 5-/30-day machine-learning forecast based on price history alone.
- Want exposure to a wealth management-focused franchise for affluent and high-net-worth clients
- Believe a conservative risk management culture supports balance sheet stability
- Value premium client relationships built through long-standing wealth management expertise
- Are comfortable with smaller scale relative to the largest global custody banks
- Want exposure to both custody servicing and a large asset management franchise
- Believe State Street Global Advisors and its ETF business provide a complementary fee revenue stream
- Value scale in ETF and index fund servicing
- Are comfortable with fee compression trends across passive asset management
| Metric | NTRS | STT |
|---|---|---|
| AI scorei | 51.1 | 42.4 |
| AI ranki | #251 | #677 |
| Latest closei | $165.54 | $165.72 |
| 1M returni | -6.28% | -9.39% |
| 3M returni | -10.36% | -9.19% |
| 6M returni | +4.01% | +13.95% |
| 1Y returni | +32.89% | +46.72% |
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | NTRS | STT |
|---|---|---|
| 1Y ago | $13.26K (+32.6%) started 2025-10-17 | $14.88K (+48.8%) started 2025-10-17 |
| 5Y ago | $17.3K (+73.0%) started 2021-10-18 | $22.34K (+123.4%) started 2021-10-18 |
| 10Y ago | $38.96K (+289.6%) started 2016-10-17 | $40.91K (+309.1%) started 2016-10-17 |
Hypothetical — past performance does not guarantee future results.
| Metric | NTRS | STT |
|---|---|---|
| Market capi | $34.17B | $53.11B |
| Trailing P/Ei | 15.99 | 17.06 |
| Forward P/Ei | 14.74 | 12.63 |
| Price/Salesi | 2.45 | 2.15 |
| EV/Revenuei | 4.56 | N/A |
| Analyst targeti | $184.27 | $199.50 |
| Target upsidei | -1.35% | +3.19% |
| Metric | NTRS | STT |
|---|---|---|
| Revenue growthi | 36.40% | -2.80% |
| Earnings growthi | 98.60% | -24.10% |
| EPS growthi | +98.60% | -24.10% |
| FCF margini | N/A | N/A |
| Operating margini | 42.50% | 27.82% |
| Profit margini | 24.67% | 23.00% |
| ROIC proxyi | 17.07% | 12.44% |
| Return on equityi | 17.07% | 12.44% |
| Dividend yieldi | 1.76% | 1.90% |
| Payout ratioi | 27.49% | 29.63% |
| Dividend growth streaki | No increase yet | No increase yet |
| Betai | 1.26 | 1.42 |
| Debt/equityi | N/A | N/A |
| Current ratioi | N/A | N/A |
| Quick ratioi | N/A | N/A |
Over the past year, NTRS and STT have moved strongly in the same direction (correlation of 0.77), based on daily returns.
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
| Period | Metric | NTRS | STT |
|---|---|---|---|
| 1Y | Growthi | +32.62% | +48.80% |
| CAGRi | +32.73% | +48.97% | |
| Volatilityi | 24.53% | 24.30% | |
| Sharpe ratioi | 1.10 | 1.59 | |
| Sortino ratioi | 1.67 | 2.31 | |
| Max drawdowni | 15.06% | 14.69% | |
| Current drawdowni | 13.54% | 14.69% | |
| Avg drawdowni | 3.84% | 3.17% | |
| Ulcer Indexi | 5.41% | 4.71% | |
| Max daily dropi | 3.95% | 6.07% | |
| Max wkly dropi | 6.52% | 7.48% | |
| 5Y | Growthi | +53.32% | +96.94% |
| CAGRi | +8.93% | +14.53% | |
| Volatilityi | 29.30% | 29.89% | |
| Sharpe ratioi | 0.29 | 0.46 | |
| Sortino ratioi | 0.40 | 0.63 | |
| Max drawdowni | 50.03% | 41.45% | |
| Current drawdowni | 13.54% | 14.69% | |
| Avg drawdowni | 20.06% | 14.87% | |
| Ulcer Indexi | 24.65% | 19.22% | |
| Max daily dropi | 9.25% | 12.08% | |
| Max wkly dropi | 15.76% | 17.98% | |
| 10Y | Growthi | +198.24% | +209.35% |
| CAGRi | +11.55% | +11.96% | |
| Volatilityi | 30.27% | 32.65% | |
| Sharpe ratioi | 0.36 | 0.37 | |
| Sortino ratioi | 0.52 | 0.52 | |
| Max drawdowni | 50.03% | 59.59% | |
| Current drawdowni | 13.54% | 14.69% | |
| Avg drawdowni | 15.09% | 19.01% | |
| Ulcer Indexi | 19.92% | 24.27% | |
| Max daily dropi | 18.19% | 18.93% | |
| Max wkly dropi | 21.30% | 23.34% |
| Category | NTRS | STT |
|---|---|---|
| Company | Northern Trust Corporation | State Street Corporation |
| Sector | Financial Services | Financial Services |
| Industry | Asset Management | Asset Management |
| Core business | A financial holding company providing wealth management, asset servicing, and asset management services to affluent individuals, families, and institutional clients. | A global custody bank and asset servicing company that also operates State Street Global Advisors, one of the largest asset managers in the world, alongside its institutional servicing business. |
| Investor focus | Wealth management fee growth among high-net-worth clients, assets under custody and management trends, and expense discipline relative to fee revenue growth. | Servicing fee growth, State Street Global Advisors asset management flows, and expense discipline relative to revenue growth. |
- Strong reputation in wealth management for affluent and high-net-worth individuals supports premium client relationships
- Asset servicing business benefits from long-standing institutional client relationships
- Conservative risk management culture has historically supported balance sheet stability
- Combination of custody servicing and a large asset management arm provides two complementary fee revenue streams
- Global institutional client base spans pension funds, sovereign wealth funds, and other large asset owners
- Scale in ETF and index fund servicing supports steady recurring fee income
- Smaller overall scale relative to the largest custody banks can limit some competitive cost advantages
- Fee revenue is sensitive to global market asset values and trading volumes
- Faces competition from both larger custody banks and dedicated wealth management firms
- Asset management flows can be pressured by fee compression trends across the passive investing industry
- Servicing fee revenue is tied to global asset values and can decline in weaker market environments
- Expense management remains an ongoing focus given the competitive custody banking landscape
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