(MTB) M&T Bank - Ratings and Ratios
Loans, CreditCards, DepositAccounts, WealthManagement, CommercialLending
MTB EPS (Earnings per Share)
MTB Revenue
Description: MTB M&T Bank
M&T Bank Corporation is a bank holding company that provides a wide range of banking products and services to individuals, businesses, and institutions through its three main segments: Commercial Bank, Retail Bank, and Institutional Services and Wealth Management. The company offers various credit products, deposit services, cash management, and wealth management solutions, catering to the diverse needs of its customers.
To evaluate the companys performance, we can look at key performance indicators (KPIs) such as Net Interest Margin (NIM), Efficiency Ratio, and Return on Assets (ROA). A stable NIM indicates a banks ability to maintain a healthy margin between interest income and expense. M&T Banks NIM is around 3.5%, which is relatively stable. The Efficiency Ratio, which measures a banks operating expenses as a percentage of revenue, is around 60%, indicating a moderate level of efficiency. ROA, which measures a banks profitability relative to its assets, is around 1.2%, indicating a relatively stable return.
Additionally, we can analyze the companys asset quality by looking at metrics such as Non-Performing Assets (NPA) ratio and Charge-Off ratio. A low NPA ratio and Charge-Off ratio indicate a banks ability to manage its credit risk effectively. M&T Banks NPA ratio is around 0.7%, and Charge-Off ratio is around 0.3%, indicating a relatively strong asset quality.
From a valuation perspective, we can compare M&T Banks Price-to-Book (P/B) ratio to its peers. A P/B ratio of around 1.4x indicates that the company is trading at a moderate premium to its book value. We can also analyze the companys dividend yield, which is around 3.2%, indicating a relatively attractive return for income-seeking investors.
MTB Stock Overview
| Market Cap in USD | 31,164m |
| Sector | Financial Services |
| Industry | Banks - Regional |
| GiC Sub-Industry | Regional Banks |
| IPO / Inception | 1991-10-04 |
MTB Stock Ratings
| Growth Rating | 49.7 |
| Fundamental | 58.0% |
| Dividend Rating | 65.4 |
| Rel. Strength | -4.73 |
| Analysts | 3.90 of 5 |
| Fair Price Momentum | 187.42 USD |
| Fair Price DCF | 393.17 USD |
MTB Dividends
| Dividend Yield 12m | 2.90% |
| Yield on Cost 5y | 5.83% |
| Annual Growth 5y | 3.99% |
| Payout Consistency | 98.9% |
| Payout Ratio | 28.1% |
MTB Growth Ratios
| Growth Correlation 3m | 61% |
| Growth Correlation 12m | 18.6% |
| Growth Correlation 5y | 57.8% |
| CAGR 5y | 15.08% |
| CAGR/Max DD 5y | 0.37 |
| Sharpe Ratio 12m | 0.35 |
| Alpha | -0.66 |
| Beta | 0.876 |
| Volatility | 29.91% |
| Current Volume | 810.9k |
| Average Volume 20d | 950.5k |
| Stop Loss | 181.5 (-3%) |
As of August 10, 2025, the stock is trading at USD 187.17 with a total of 810,853 shares traded.
Over the past week, the price has changed by +1.18%, over one month by -6.79%, over three months by +6.20% and over the past year by +18.76%.
Neither. Based on ValueRay´s Fundamental Analyses, M&T Bank is currently (August 2025) neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of 57.97 and therefor a neutral outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of MTB is around 187.42 USD . This means that MTB is currently overvalued and has a potential downside of 0.13%.
M&T Bank has received a consensus analysts rating of 3.90. Therefore, it is recommended to buy MTB.
- Strong Buy: 9
- Buy: 3
- Hold: 8
- Sell: 0
- Strong Sell: 1
According to our own proprietary Forecast Model, MTB M&T Bank will be worth about 207.1 in August 2026. The stock is currently trading at 187.17. This means that the stock has a potential upside of +10.65%.
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 216.5 | 15.6% |
| Analysts Target Price | 200.7 | 7.2% |
| ValueRay Target Price | 207.1 | 10.6% |
Piotroski VR‑10 (Strict) 4.0
| Net Income (2.70b TTM) > 0 and > 6% of Revenue (6% = 791.7m TTM) |
| FCFTA 0.02 (>2.0%) and ΔFCFTA -0.22pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 270.0% (prev -973.8%; Δ 1244 pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.02 (>3.0%) and CFO 3.64b > Net Income 2.70b (YES >=105%, WARN >=100%) |
| Net Debt (-57.0m) to EBITDA (2.93b) ratio: -0.02 <= 3.0 (WARN <= 3.5) |
| Current Ratio 18.20 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (160.0m) change vs 12m ago -4.57% (target <= -2.0% for YES) |
| Gross Margin 67.31% (prev 63.98%; Δ 3.33pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 6.28% (prev 6.31%; Δ -0.03pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.67 (EBITDA TTM 2.93b / Interest Expense TTM 3.80b) >= 6 (WARN >= 3) |
Altman Z'' 1.63
| (A) 0.17 = (Total Current Assets 37.70b - Total Current Liabilities 2.07b) / Total Assets 211.58b |
| (B) 0.09 = Retained Earnings (Balance) 19.41b / Total Assets 211.58b |
| (C) 0.01 = EBIT TTM 2.55b / Avg Total Assets 210.22b |
| (D) 0.14 = Book Value of Equity 26.13b / Total Liabilities 183.06b |
| Total Rating: 1.63 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay Score 57.97
| 1. Piotroski 4.0pt = -1.0 |
| 2. FCF Yield 43.33% = 5.0 |
| 3. FCF Margin 26.00% = 4.33 |
| 4. Debt/Equity 0.51 = 2.38 |
| 5. Debt/Ebitda 4.93 = -2.50 |
| 6. ROIC - WACC -2.83% = -2.83 |
| 7. RoE 9.36% = 1.56 |
| 8. Rev. Trend 71.54% = 5.0 |
| 9. Rev. CAGR 11.98% = 1.50 |
| 10. EPS Trend -32.95% = -5.0 |
| 11. EPS CAGR -3.67% = -0.46 |
MTB Fundamental Data Overview
CCE Cash And Equivalents = 37.70b USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 12.5908
P/E Forward = 11.976
P/S = 3.4132
P/B = 1.163
P/EG = 29.9429
Beta = 0.617
Revenue TTM = 13.20b USD
EBIT TTM = 2.55b USD
EBITDA TTM = 2.93b USD
Long Term Debt = 12.38b USD (from longTermDebt, last quarter)
Short Term Debt = 2.07b USD (from shortTermDebt, last quarter)
Debt = 14.45b USD (Calculated: Short Term 2.07b + Long Term 12.38b)
Net Debt = -57.0m USD (from netDebt column, last quarter)
Enterprise Value = 7.92b USD (31.16b + Debt 14.45b - CCE 37.70b)
Interest Coverage Ratio = 0.67 (Ebit TTM 2.55b / Interest Expense TTM 3.80b)
FCF Yield = 43.33% (FCF TTM 3.43b / Enterprise Value 7.92b)
FCF Margin = 26.00% (FCF TTM 3.43b / Revenue TTM 13.20b)
Net Margin = 20.48% (Net Income TTM 2.70b / Revenue TTM 13.20b)
Gross Margin = 67.31% ((Revenue TTM 13.20b - Cost of Revenue TTM 4.31b) / Revenue TTM)
Tobins Q-Ratio = 0.30 (Enterprise Value 7.92b / Book Value Of Equity 26.13b)
Interest Expense / Debt = 6.20% (Interest Expense 896.0m / Debt 14.45b)
Taxrate = 21.81% (from yearly Income Tax Expense: 722.0m / 3.31b)
NOPAT = 2.00b (EBIT 2.55b * (1 - 21.81%))
Current Ratio = 18.20 (Total Current Assets 37.70b / Total Current Liabilities 2.07b)
Debt / Equity = 0.51 (Debt 14.45b / last Quarter total Stockholder Equity 28.52b)
Debt / EBITDA = 4.93 (Net Debt -57.0m / EBITDA 2.93b)
Debt / FCF = 4.21 (Debt 14.45b / FCF TTM 3.43b)
Total Stockholder Equity = 28.85b (last 4 quarters mean)
RoA = 1.28% (Net Income 2.70b, Total Assets 211.58b )
RoE = 9.36% (Net Income TTM 2.70b / Total Stockholder Equity 28.85b)
RoCE = 6.19% (Ebit 2.55b / (Equity 28.85b + L.T.Debt 12.38b))
RoIC = 5.01% (NOPAT 2.00b / Invested Capital 39.80b)
WACC = 7.85% (E(31.16b)/V(45.62b) * Re(9.24%)) + (D(14.45b)/V(45.62b) * Rd(6.20%) * (1-Tc(0.22)))
Shares Correlation 5-Years: 10.0 | Cagr: 4.42%
Discount Rate = 9.24% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 74.61% ; FCFE base≈3.60b ; Y1≈3.81b ; Y5≈4.51b
Fair Price DCF = 393.2 (DCF Value 63.11b / Shares Outstanding 160.5m; 5y FCF grow 6.40% → 2.90% )
Revenue Correlation: 71.54 | Revenue CAGR: 11.98%
Revenue Growth Correlation: -90.25%
EPS Correlation: -32.95 | EPS CAGR: -3.67%
EPS Growth Correlation: 76.58%
Additional Sources for MTB Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle