(MTB) M&T Bank - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 30.007m USD | Total Return: 16.7% in 12m
Commercial Loans, Consumer Banking, Wealth Management, Mortgages, Trust Services
Total Rating 30
Safety 35
Buy Signal 0.04
Banks - Regional
Industry Rotation: +1.5
Industry Rotation: +1.5
Market Cap:
30.0B
Avg Turnover: 199M
Avg Turnover: 199M
Risk 3d forecast
Volatility23.8%
VaR 5th Pctl4.09%
VaR vs Median4.22%
Reward TTM
Sharpe Ratio0.62
Rel. Str. IBD43.6
Rel. Str. Peer Group20.7
Character TTM
Beta0.852
Beta Downside0.976
Hurst Exponent0.603
Drawdowns 3y
Max DD28.51%
CAGR/Max DD0.86
CAGR/Mean DD2.98
EPS (Earnings per Share)
EPS CAGR: -0.23%
EPS Trend: -3.5%
EPS Trend: -3.5%
Last SUE: 0.49
Qual. Beats: 0
Qual. Beats: 0
Revenue
Rev. CAGR: 1.29%
Rev. Trend: 22.4%
Rev. Trend: 22.4%
Last SUE: 0.58
Qual. Beats: 0
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Description: MTB M&T Bank
M&T Bank Corporation is a financial holding company headquartered in Buffalo, New York, operating primarily through Manufacturers and Traders Trust Company and Wilmington Trust. The company maintains a diversified business model encompassing commercial banking, retail services, and institutional wealth management. Its portfolio includes middle-market commercial lending, residential mortgages, and specialized fiduciary services for institutional clients.
As a regional bank, M&T Bank relies heavily on the net interest margin, which is the spread between interest earned on loans and interest paid on deposits. The regional banking sector often faces higher sensitivity to localized economic conditions and real estate market fluctuations compared to global money center banks. Investors can use ValueRay to further analyze the companys valuation metrics and historical performance. Founded in 1856, the institution utilizes a traditional branch network supplemented by digital banking platforms to service consumers and small businesses across its footprint.
- Net interest margin sensitivity to Federal Reserve monetary policy shifts
- Commercial real estate loan concentration poses credit quality risks
- Buffalo-based regional dominance drives stable low-cost deposit inflows
- Wilmington Trust fee income buffers volatility in lending revenue
- Expense management initiatives offset rising regulatory compliance costs
Piotroski VR‑10 (Strict)
4.0
| Net Income: 2.93b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA -0.12 > 1.0 |
| NWC/Revenue: -942.6% < 20% (prev -965.5%; Δ 22.93% < -1%) |
| CFO/TA 0.02 > 3% & CFO 3.38b > Net Income 2.93b |
| Net Debt (-36.03b) to EBITDA (3.93b): -9.17 < 3 |
| Current Ratio: 0.32 > 1.5 & < 3 |
| Outstanding Shares: last quarter (156.6m) vs 12m ago -5.15% < -2% |
| Gross Margin: 75.31% > 18% (prev 0.66%; Δ 7.46k% > 0.5%) |
| Asset Turnover: 5.82% > 50% (prev 6.31%; Δ -0.50% > 0%) |
| Interest Coverage Ratio: 0.57 > 6 (EBITDA TTM 3.93b / Interest Expense TTM 3.46b) |
Altman Z''
-3.05
| A: -0.54 (Total Current Assets 55.06b - Total Current Liabilities 171.59b) / Total Assets 214.74b |
| B: 0.10 (Retained Earnings 21.48b / Total Assets 214.74b) |
| C: 0.01 (EBIT TTM 1.96b / Avg Total Assets 212.53b) |
| D: 0.12 (Book Value of Equity 21.63b / Total Liabilities 186.76b) |
| Altman-Z'' Score: -3.05 = D |
What is the price of MTB shares?
As of May 21, 2026, the stock is trading at USD 210.42 with a total of 562,277 shares traded.
Over the past week, the price has changed by +3.11%, over one month by -4.22%, over three months by -8.87% and over the past year by +16.72%.
Over the past week, the price has changed by +3.11%, over one month by -4.22%, over three months by -8.87% and over the past year by +16.72%.
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?
| Analysts Target Price | 233.5 | 11% |
M&T Bank (MTB) - Fundamental Data Overview
as of 17 May 2026
P/E Trailing = 11.5048 P/E Forward = 11.3379
P/S = 3.223
P/B = 1.2165
P/EG = 1.3339
Revenue TTM = 12.36b USD
EBIT TTM = 1.96b USD
EBITDA TTM = 3.93b USD
Long Term Debt = 11.18b USD (from longTermDebt, last quarter)
Short Term Debt = 7.85b USD (from shortTermDebt, last quarter)
Debt = 19.03b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -36.03b USD (recalculated: Debt 19.03b - CCE 55.06b)
Enterprise Value = 30.01b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 0.57 (Ebit TTM 1.96b / Interest Expense TTM 3.46b)
EV/FCF = 9.22x (Enterprise Value 30.01b / FCF TTM 3.25b)
FCF Yield = 10.84% (FCF TTM 3.25b / Enterprise Value 30.01b)
FCF Margin = 26.31% (FCF TTM 3.25b / Revenue TTM 12.36b)
Net Margin = 23.71% (Net Income TTM 2.93b / Revenue TTM 12.36b)
Gross Margin = 75.31% ((Revenue TTM 12.36b - Cost of Revenue TTM 3.05b) / Revenue TTM)
Gross Margin QoQ = 71.35% (prev 70.51%)
Tobins Q-Ratio = 0.14 (Enterprise Value 30.01b / Total Assets 214.74b)
Interest Expense / Debt = 4.12% (Interest Expense 784.0m / Debt 19.03b)
Taxrate = 23.06% (199.0m / 863.0m)
NOPAT = 1.51b (EBIT 1.96b * (1 - 23.06%))
Current Ratio = 0.32 (Total Current Assets 55.06b / Total Current Liabilities 171.59b)
Debt / Equity = 0.68 (Debt 19.03b / totalStockholderEquity, last quarter 27.97b)
Debt / EBITDA = -9.17 (Net Debt -36.03b / EBITDA 3.93b)
Debt / FCF = -11.08 (Net Debt -36.03b / FCF TTM 3.25b)
Total Stockholder Equity = 28.60b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.38% (Net Income 2.93b / Total Assets 214.74b)
RoE = 10.25% (Net Income TTM 2.93b / Total Stockholder Equity 28.60b)
RoCE = 4.93% (EBIT 1.96b / Capital Employed (Equity 28.60b + L.T.Debt 11.18b))
RoIC = 3.64% (NOPAT 1.51b / Invested Capital 41.41b)
WACC = 6.73% (E(30.01b)/V(49.03b) * Re(8.98%) + D(19.03b)/V(49.03b) * Rd(4.12%) * (1-Tc(0.23)))
Discount Rate = 8.98% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -76.83 | Cagr: -4.66%
[DCF] Terminal Value 82.65% ; FCFF base≈3.32b ; Y1≈3.13b ; Y5≈2.95b
[DCF] Fair Price = 732.7 (EV 71.27b - Net Debt -36.03b = Equity 107.30b / Shares 146.4m; r=6.73% [WACC]; 5y FCF grow -7.44% → 3.0% )
EPS Correlation: -3.46 | EPS CAGR: -0.23% | SUE: 0.49 | # QB: 0
Revenue Correlation: 22.44 | Revenue CAGR: 1.29% | SUE: 0.58 | # QB: 0
EPS current Quarter (2026-06-30): EPS=4.63 | Chg30d=-1.91% | Revisions=-58% | Analysts=15
EPS next Quarter (2026-09-30): EPS=4.87 | Chg30d=-1.65% | Revisions=-58% | Analysts=15
EPS current Year (2026-12-31): EPS=18.68 | Chg30d=-0.37% | Revisions=-43% | GrowthEPS=+9.9% | GrowthRev=+2.8%
EPS next Year (2027-12-31): EPS=20.85 | Chg30d=-1.00% | Revisions=-43% | GrowthEPS=+11.6% | GrowthRev=+3.7%
[Analyst] Revisions Ratio: -58%