(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 | 31,569m |
| 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?
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?
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?
- 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
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
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