(MTB) M&T Bank - Overview
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US55261F1049
Stock: Loans, Deposits, Investments, Wealth Management, Business Services
Total Rating 39
Risk 45
Buy Signal -0.94
| Risk 5d forecast | |
|---|---|
| Volatility | 28.2% |
| Relative Tail Risk | -7.50% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.75 |
| Alpha | 0.11 |
| Character TTM | |
|---|---|
| Beta | 0.906 |
| Beta Downside | 1.113 |
| Drawdowns 3y | |
|---|---|
| Max DD | 28.51% |
| CAGR/Max DD | 0.77 |
EPS (Earnings per Share)
Revenue
Description: MTB M&T Bank March 04, 2026
M&T Bank Corporation (MTB) is a bank holding company. It provides retail and commercial banking services in the United States.
The company operates through three segments: Commercial Bank, Retail Bank, and Institutional Services and Wealth Management. Regional banks typically focus on localized markets and customer relationships, differentiating them from larger national or international banks.
MTB offers various credit products and banking services. These include commercial lending, leasing, deposit products, and cash management for middle-market and large commercial customers. They also provide consumer deposit products, automobile and recreational finance loans, home equity loans, and credit cards. Additionally, MTB offers business loans, cash management, and merchant credit card services to small businesses.
The company provides trustee, agency, investment management, and administrative services. These include personal trust, planning, advisory, and asset management for corporations and institutions. This diversified service offering is common among financial institutions seeking multiple revenue streams beyond traditional lending.
Further research on ValueRay can provide detailed financial metrics and performance trends for MTB.
Headlines to watch out for
- Net interest income growth drives profitability
- Loan demand impacts commercial and retail segments
- Regulatory changes influence compliance costs
- Economic conditions affect credit quality
- Wealth management fees boost non-interest revenue
Piotroski VR‑10 (Strict, 0-10) 5.0
| Net Income: 2.85b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.25 > 1.0 |
| NWC/Revenue: -958.7% < 20% (prev -946.1%; Δ -12.58% < -1%) |
| CFO/TA 0.01 > 3% & CFO 3.00b > Net Income 2.85b |
| Net Debt (-5.71b) to EBITDA (3.96b): -1.44 < 3 |
| Current Ratio: 0.32 > 1.5 & < 3 |
| Outstanding Shares: last quarter (156.6m) vs 12m ago -6.24% < -2% |
| Gross Margin: 74.62% > 18% (prev 0.64%; Δ 7.40k% > 0.5%) |
| Asset Turnover: 5.84% > 50% (prev 6.44%; Δ -0.60% > 0%) |
| Interest Coverage Ratio: 0.77 > 6 (EBITDA TTM 3.96b / Interest Expense TTM 3.54b) |
Altman Z'' -3.10
| A: -0.55 (Total Current Assets 55.42b - Total Current Liabilities 173.42b) / Total Assets 213.51b |
| B: 0.10 (Retained Earnings 20.88b / Total Assets 213.51b) |
| C: 0.01 (EBIT TTM 2.72b / Avg Total Assets 210.81b) |
| D: 0.12 (Book Value of Equity 21.25b / Total Liabilities 184.33b) |
| Altman-Z'' Score: -3.10 = D |
Beneish M
| DSRI: none (Receivables none/none, Revenue 12.31b/13.40b) |
| GMI: 0.86 (GM 74.62% / 64.31%) |
| AQI: 0.89 (AQ_t 0.73 / AQ_t-1 0.82) |
| SGI: 0.92 (Revenue 12.31b / 13.40b) |
| TATA: -0.00 (NI 2.85b - CFO 3.00b) / TA 213.51b) |
| Beneish M-Score: cannot calculate (missing components) |
What is the price of MTB shares?
As of March 15, 2026, the stock is trading at USD 203.21 with a total of 1,370,709 shares traded.
Over the past week, the price has changed by -6.75%, over one month by -13.59%, over three months by -3.46% and over the past year by +18.62%.
Over the past week, the price has changed by -6.75%, over one month by -13.59%, over three months by -3.46% and over the past year by +18.62%.
Is MTB a buy, sell or hold?
M&T Bank has received a consensus analysts rating of 3.90.
Therefore, it is recommended to buy MTB.
- StrongBuy: 9
- Buy: 3
- Hold: 8
- Sell: 0
- StrongSell: 1
What are the forecasts/targets for the MTB price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 235.5 | 15.9% |
| Analysts Target Price | 235.5 | 15.9% |
MTB Fundamental Data Overview March 11, 2026
P/E Trailing = 12.2669
P/E Forward = 11.2486
P/S = 3.4915
P/B = 1.1904
P/EG = 1.7566
Revenue TTM = 12.31b USD
EBIT TTM = 2.72b USD
EBITDA TTM = 3.96b USD
Long Term Debt = 10.91b USD (from longTermDebt, last quarter)
Short Term Debt = 2.15b USD (from shortTermDebt, last quarter)
Debt = 13.06b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -5.71b USD (from netDebt column, last quarter)
Enterprise Value = -10.29b USD (32.07b + Debt 13.06b - CCE 55.42b)
Interest Coverage Ratio = 0.77 (Ebit TTM 2.72b / Interest Expense TTM 3.54b)
EV/FCF = -3.49x (Enterprise Value -10.29b / FCF TTM 2.95b)
FCF Yield = -28.64% (FCF TTM 2.95b / Enterprise Value -10.29b)
FCF Margin = 23.94% (FCF TTM 2.95b / Revenue TTM 12.31b)
Net Margin = 23.16% (Net Income TTM 2.85b / Revenue TTM 12.31b)
Gross Margin = 74.62% ((Revenue TTM 12.31b - Cost of Revenue TTM 3.12b) / Revenue TTM)
Gross Margin QoQ = 70.51% (prev none%)
Tobins Q-Ratio = -0.05 (set to none) (Enterprise Value -10.29b / Total Assets 213.51b)
Interest Expense / Debt = 6.57% (Interest Expense 858.0m / Debt 13.06b)
Taxrate = 21.83% (212.0m / 971.0m)
NOPAT = 2.13b (EBIT 2.72b * (1 - 21.83%))
Current Ratio = 0.32 (Total Current Assets 55.42b / Total Current Liabilities 173.42b)
Debt / Equity = 0.45 (Debt 13.06b / totalStockholderEquity, last quarter 29.18b)
Debt / EBITDA = -1.44 (Net Debt -5.71b / EBITDA 3.96b)
Debt / FCF = -1.94 (Net Debt -5.71b / FCF TTM 2.95b)
Total Stockholder Equity = 28.86b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.35% (Net Income 2.85b / Total Assets 213.51b)
RoE = 9.88% (Net Income TTM 2.85b / Total Stockholder Equity 28.86b)
RoCE = 6.84% (EBIT 2.72b / Capital Employed (Equity 28.86b + L.T.Debt 10.91b))
RoIC = 5.33% (NOPAT 2.13b / Invested Capital 39.93b)
WACC = 8.06% (E(32.07b)/V(45.13b) * Re(9.25%) + D(13.06b)/V(45.13b) * Rd(6.57%) * (1-Tc(0.22)))
Discount Rate = 9.25% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -3.10%
[DCF] Terminal Value 76.96% ; FCFF base≈3.13b ; Y1≈2.94b ; Y5≈2.77b
[DCF] Fair Price = 365.0 (EV 48.68b - Net Debt -5.71b = Equity 54.38b / Shares 149.0m; r=8.06% [WACC]; 5y FCF grow -7.44% → 2.90% )
EPS Correlation: 43.15 | EPS CAGR: 16.66% | SUE: 0.71 | # QB: 0
Revenue Correlation: 63.37 | Revenue CAGR: 24.41% | SUE: 1.95 | # QB: 1
EPS next Quarter (2026-06-30): EPS=4.72 | Chg7d=+0.000 | Chg30d=+0.014 | Revisions Net=+6 | Analysts=14
EPS current Year (2026-12-31): EPS=18.76 | Chg7d=-0.024 | Chg30d=+0.028 | Revisions Net=+3 | Growth EPS=+10.4% | Growth Revenue=+3.1%
EPS next Year (2027-12-31): EPS=21.09 | Chg7d=+0.000 | Chg30d=+0.146 | Revisions Net=+3 | Growth EPS=+12.4% | Growth Revenue=+3.8%
[Analyst] Revisions Ratio: +0.75 (7 Up / 1 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 1.1% (Discount Rate 9.2% - Earnings Yield 8.2%)
[Growth] Growth Spread = +2.6% (Analyst 3.7% - Implied 1.1%)
P/E Forward = 11.2486
P/S = 3.4915
P/B = 1.1904
P/EG = 1.7566
Revenue TTM = 12.31b USD
EBIT TTM = 2.72b USD
EBITDA TTM = 3.96b USD
Long Term Debt = 10.91b USD (from longTermDebt, last quarter)
Short Term Debt = 2.15b USD (from shortTermDebt, last quarter)
Debt = 13.06b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -5.71b USD (from netDebt column, last quarter)
Enterprise Value = -10.29b USD (32.07b + Debt 13.06b - CCE 55.42b)
Interest Coverage Ratio = 0.77 (Ebit TTM 2.72b / Interest Expense TTM 3.54b)
EV/FCF = -3.49x (Enterprise Value -10.29b / FCF TTM 2.95b)
FCF Yield = -28.64% (FCF TTM 2.95b / Enterprise Value -10.29b)
FCF Margin = 23.94% (FCF TTM 2.95b / Revenue TTM 12.31b)
Net Margin = 23.16% (Net Income TTM 2.85b / Revenue TTM 12.31b)
Gross Margin = 74.62% ((Revenue TTM 12.31b - Cost of Revenue TTM 3.12b) / Revenue TTM)
Gross Margin QoQ = 70.51% (prev none%)
Tobins Q-Ratio = -0.05 (set to none) (Enterprise Value -10.29b / Total Assets 213.51b)
Interest Expense / Debt = 6.57% (Interest Expense 858.0m / Debt 13.06b)
Taxrate = 21.83% (212.0m / 971.0m)
NOPAT = 2.13b (EBIT 2.72b * (1 - 21.83%))
Current Ratio = 0.32 (Total Current Assets 55.42b / Total Current Liabilities 173.42b)
Debt / Equity = 0.45 (Debt 13.06b / totalStockholderEquity, last quarter 29.18b)
Debt / EBITDA = -1.44 (Net Debt -5.71b / EBITDA 3.96b)
Debt / FCF = -1.94 (Net Debt -5.71b / FCF TTM 2.95b)
Total Stockholder Equity = 28.86b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.35% (Net Income 2.85b / Total Assets 213.51b)
RoE = 9.88% (Net Income TTM 2.85b / Total Stockholder Equity 28.86b)
RoCE = 6.84% (EBIT 2.72b / Capital Employed (Equity 28.86b + L.T.Debt 10.91b))
RoIC = 5.33% (NOPAT 2.13b / Invested Capital 39.93b)
WACC = 8.06% (E(32.07b)/V(45.13b) * Re(9.25%) + D(13.06b)/V(45.13b) * Rd(6.57%) * (1-Tc(0.22)))
Discount Rate = 9.25% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -3.10%
[DCF] Terminal Value 76.96% ; FCFF base≈3.13b ; Y1≈2.94b ; Y5≈2.77b
[DCF] Fair Price = 365.0 (EV 48.68b - Net Debt -5.71b = Equity 54.38b / Shares 149.0m; r=8.06% [WACC]; 5y FCF grow -7.44% → 2.90% )
EPS Correlation: 43.15 | EPS CAGR: 16.66% | SUE: 0.71 | # QB: 0
Revenue Correlation: 63.37 | Revenue CAGR: 24.41% | SUE: 1.95 | # QB: 1
EPS next Quarter (2026-06-30): EPS=4.72 | Chg7d=+0.000 | Chg30d=+0.014 | Revisions Net=+6 | Analysts=14
EPS current Year (2026-12-31): EPS=18.76 | Chg7d=-0.024 | Chg30d=+0.028 | Revisions Net=+3 | Growth EPS=+10.4% | Growth Revenue=+3.1%
EPS next Year (2027-12-31): EPS=21.09 | Chg7d=+0.000 | Chg30d=+0.146 | Revisions Net=+3 | Growth EPS=+12.4% | Growth Revenue=+3.8%
[Analyst] Revisions Ratio: +0.75 (7 Up / 1 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 1.1% (Discount Rate 9.2% - Earnings Yield 8.2%)
[Growth] Growth Spread = +2.6% (Analyst 3.7% - Implied 1.1%)