What Is NTRS Fair Value?
Northern Trust (NTRS) fair value estimate using multiple valuation models, updated daily.
As of July 16, 2026, Northern Trust (NTRS) has a composite fair value estimate of $361.90 based on four valuation models: DCF (35% weight), Graham Number (25% weight), PEG (25% weight), and DDM (15% weight). The current market price is $191.13, suggesting the stock is undervalued by 89.4%.
Data as of July 16, 2026 (today)
Composite Fair Value
Undervalued4 of 4 models$361.90
vs. current price of $191.13(+89.4%)
How Is NTRS Fair Value Calculated?
Four independent models estimate what NTRS is worth. Each uses different inputs and assumptions. The composite blends them by weight.
NTRS Intrinsic Value
Forward-looking models based on future cash flows
DCF (Discounted Cash Flow)
35% weightEstimates how much cash the company will generate over the next 10 years, then calculates what all that future cash is worth in today's dollars. Includes a 15% safety cushion. Try the standalone DCF calculator →
$608.82
+218.5%Undervalued
Inputs used
DDM (Dividend Discount Model)
15% weightIf a company pays you dividends, this model asks: how much are all those future dividend payments worth today? Only works for stocks that pay dividends. Try the intrinsic value calculator →
$100.76
-47.3%Overvalued
Inputs used
NTRS Fair Value
Current fundamentals: earnings, assets, and growth rate
Graham Number (Value Investing)
25% weightCreated by legendary investor Benjamin Graham. It looks at two things: how much the company earns (EPS) and what its assets are worth (Book Value), then calculates the maximum price a careful investor should pay. Try the fair value calculator →
$137.41
-28.1%Overvalued
Inputs used
PEG (Price/Earnings to Growth)
25% weightChecks if you're paying a fair price for the company's growth. A fast-growing company deserves a higher price than a slow one. This model finds the right price based on how fast earnings are growing.
$246.98
+29.2%Undervalued
Inputs used
What If You Change the Assumptions?
Drag the sliders to test different scenarios. Tap the ? buttons to learn what each input means.
Your DCF Fair Value
Current price $191.13 is 218.5% below this estimate
View 10-year cash flow projections
| Year | Projected FCF (Free Cash Flow) | Present Value |
|---|---|---|
| Year 1 | $2.94B | $2.70B |
| Year 2 | $3.50B | $2.95B |
| Year 3 | $4.18B | $3.23B |
| Year 4 | $4.98B | $3.53B |
| Year 5 | $5.94B | $3.87B |
| Year 6 | $7.08B | $4.23B |
| Year 7 | $8.45B | $4.63B |
| Year 8 | $10.08B | $5.07B |
| Year 9 | $12.01B | $5.55B |
| Year 10 | $14.33B | $6.07B |
| Terminal Value | $227.24B | $96.32B |
What Are NTRS's Key Financial Metrics?
Earnings & Growth
Current Price
$191.13
EPS (TTM)
$9.79
Forward P/E
15.5
Profit Margin
22.4%
Cash & Balance Sheet
Free Cash Flow
0
EBITDA
0
Book Value
$65.40
Total Debt
17.4B
What Do Analysts Say About NTRS?
Low
$145.00
Average
$179.35
High
$200.00
Upside
-6.2%
NTRS Fair Value FAQ
What is the fair value of NTRS?
Based on our composite model (DCF 35%, Graham 25%, PEG 25%, DDM 15%), NTRS's estimated fair value is $361.90. The stock is currently trading at $191.13, which makes it undervalued by our analysis.
How is NTRS's fair value calculated?
We use four valuation methods: Discounted Cash Flow (DCF), Graham Number, PEG-based Fair Value, and Dividend Discount Model (for dividend-paying stocks). The composite score weights DCF at 35%, Graham and PEG at 25% each, and DDM at 15%. When a model can't be applied, its weight is redistributed proportionally.
Is NTRS overvalued or undervalued?
Based on our analysis, NTRS is undervalued. The current price of $191.13 is 89.4% below our estimated fair value of $361.90.
What do Wall Street analysts say about NTRS?
13 analysts cover Northern Trust with a consensus rating of "Hold." The average price target is $179.35, ranging from $145.00 to $200.00. This implies 6.2% downside from the current price.