(MTB) M&T Bank - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US55261F1049

Loans, CreditCards, DepositAccounts, WealthManagement, CommercialLending

MTB EPS (Earnings per Share)

EPS (Earnings per Share) of MTB over the last years for every Quarter: "2020-03": 2.0717660205772, "2020-06": 1.8783477359681, "2020-09": 2.8957971815204, "2020-12": 3.6699148614649, "2021-03": 3.4759654617662, "2021-06": 3.5552770059453, "2021-09": 3.8454254757691, "2021-12": 3.5532245049966, "2022-03": 2.798525684614, "2022-06": 1.6807968102862, "2022-09": 4.996260122396, "2022-12": 4.4459799359857, "2023-03": 4.1683985511549, "2023-06": 5.2128427128427, "2023-09": 4.1424025935042, "2023-12": 2.8932891903725, "2024-03": 3.1780421823753, "2024-06": 3.9067392743605, "2024-09": 4.3027565093366, "2024-12": 4.0786014170295, "2025-03": 3.5383860354929, "2025-06": 4.47486016062,

MTB Revenue

Revenue of MTB over the last years for every Quarter: 2020-03: 1649.779, 2020-06: 1519.515, 2020-09: 1521.722, 2020-12: 1590.14, 2021-03: 1522.56, 2021-06: 1483.991, 2021-09: 1562.072, 2021-12: 1537.155, 2022-03: 1469.143, 2022-06: 2036.242, 2022-09: 2344.592, 2022-12: 2753.746, 2023-03: 2894, 2023-06: 3319, 2023-09: 3201, 2023-12: 3298.106, 2024-03: 3300, 2024-06: 3373, 2024-09: 3391, 2024-12: 3341, 2025-03: 3171, 2025-06: 3292,

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 31,569m
Sub-Industry Regional Banks
IPO / Inception 1991-10-04

MTB Stock Ratings

Growth Rating 47.6%
Fundamental 50.6%
Dividend Rating 65.5%
Return 12m vs S&P 500 4.36%
Analyst Rating 3.90 of 5

MTB Dividends

Dividend Yield 12m 2.78%
Yield on Cost 5y 6.09%
Annual Growth 5y 3.99%
Payout Consistency 98.9%
Payout Ratio 35.9%

MTB Growth Ratios

Growth Correlation 3m 43.7%
Growth Correlation 12m 10.7%
Growth Correlation 5y 57.7%
CAGR 5y 17.94%
CAGR/Max DD 5y 0.44
Sharpe Ratio 12m 0.34
Alpha 6.36
Beta 0.876
Volatility 28.57%
Current Volume 748.5k
Average Volume 20d 852.8k
Stop Loss 195.6 (-3%)
Signal 0.31

Piotroski VR‑10 (Strict, 0-10) 4.0

Net Income (2.70b TTM) > 0 and > 6% of Revenue (6% = 791.7m TTM)
FCFTA 0.01 (>2.0%) and ΔFCFTA -0.48pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)
NWC/Revenue -830.1% (prev -973.8%; Δ 143.7pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)
CFO/TA 0.02 (>3.0%) and CFO 3.76b > Net Income 2.70b (YES >=105%, WARN >=100%)
Net Debt (-6.97b) to EBITDA (2.93b) ratio: -2.38 <= 3.0 (WARN <= 3.5)
Current Ratio 0.34 (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'' -2.74

(A) -0.52 = (Total Current Assets 56.99b - Total Current Liabilities 166.52b) / Total Assets 211.58b
(B) 0.09 = Retained Earnings (Balance) 19.87b / Total Assets 211.58b
(C) 0.01 = EBIT TTM 2.55b / Avg Total Assets 210.22b
(D) 0.25 = Book Value of Equity 46.00b / Total Liabilities 183.06b
Total Rating: -2.74 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 50.59

1. Piotroski 4.0pt = -1.0
2. FCF Yield -26.99% = -5.0
3. FCF Margin 22.44% = 5.61
4. Debt/Equity 0.51 = 2.37
5. Debt/Ebitda 4.93 = -2.50
6. ROIC - WACC -2.87% = -3.59
7. RoE 9.36% = 0.78
8. Rev. Trend 71.54% = 3.58
9. Rev. CAGR 13.14% = 1.64
10. EPS Trend -32.83% = -0.82
11. EPS CAGR -3.93% = -0.49

What is the price of MTB shares?

As of August 31, 2025, the stock is trading at USD 201.66 with a total of 748,500 shares traded.
Over the past week, the price has changed by +0.96%, over one month by +3.77%, over three months by +11.04% and over the past year by +22.07%.

Is M&T Bank a good stock to buy?

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 50.59 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 202.85 USD . This means that MTB is currently overvalued and has a potential downside of 0.59%.

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.
  • Strong Buy: 9
  • Buy: 3
  • Hold: 8
  • Sell: 0
  • Strong Sell: 1

What are the forecasts/targets for the MTB price?

Issuer Target Up/Down from current
Wallstreet Target Price 215.4 6.8%
Analysts Target Price 215.4 6.8%
ValueRay Target Price 224.9 11.5%

Last update: 2025-08-29 04:43

MTB Fundamental Data Overview

Market Cap USD = 31.57b (31.57b USD * 1.0 USD.USD)
CCE Cash And Equivalents = 56.99b USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 13.0927
P/E Forward = 12.4069
P/S = 3.5455
P/B = 1.2081
P/EG = 31.0037
Beta = 0.621
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 = -6.97b USD (from netDebt column, last quarter)
Enterprise Value = -10.97b USD (31.57b + Debt 14.45b - CCE 56.99b)
Interest Coverage Ratio = 0.67 (Ebit TTM 2.55b / Interest Expense TTM 3.80b)
FCF Yield = -26.99% (FCF TTM 2.96b / Enterprise Value -10.97b)
FCF Margin = 22.44% (FCF TTM 2.96b / 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 = -0.24 (set to none) (Enterprise Value -10.97b / Book Value Of Equity 46.00b)
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 = 0.34 (Total Current Assets 56.99b / Total Current Liabilities 166.52b)
Debt / Equity = 0.51 (Debt 14.45b / last Quarter total Stockholder Equity 28.52b)
Debt / EBITDA = 4.93 (Net Debt -6.97b / EBITDA 2.93b)
Debt / FCF = 4.88 (Debt 14.45b / FCF TTM 2.96b)
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 = 4.99% (NOPAT 2.00b / Invested Capital 39.98b)
WACC = 7.86% (E(31.57b)/V(46.02b) * Re(9.24%)) + (D(14.45b)/V(46.02b) * Rd(6.20%) * (1-Tc(0.22)))
Shares Correlation 5-Years: 10.0 | Cagr: 5.56%
Discount Rate = 9.24% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 73.77% ; FCFE base≈3.35b ; Y1≈3.30b ; Y5≈3.39b
Fair Price DCF = 311.9 (DCF Value 48.74b / Shares Outstanding 156.3m; 5y FCF grow -2.43% → 3.0% )
Revenue Correlation: 71.54 | Revenue CAGR: 13.14%
Rev Growth-of-Growth: -17.83
EPS Correlation: -32.83 | EPS CAGR: -3.93%
EPS Growth-of-Growth: 33.63

Additional Sources for MTB Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
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