(MTB) M&T Bank - Ratings and Ratios
Loans, Deposits, Credit Cards, Trust Services, Wealth Management
MTB EPS (Earnings per Share)
MTB Revenue
| Risk via 10d forecast | |
|---|---|
| Volatility | 28.2% |
| Value at Risk 5%th | 43.5% |
| Reward | |
|---|---|
| Sharpe Ratio | -0.31 |
| Alpha | -22.37 |
| Character | |
|---|---|
| Hurst Exponent | 0.552 |
| Beta | 0.607 |
| Drawdowns 3y | |
|---|---|
| Max DD | 34.37% |
| Mean DD | 14.65% |
Description: MTB M&T Bank October 14, 2025
M&T Bank Corporation (NYSE:MTB) is a bank holding company that owns Manufacturers and Traders Trust Company and Wilmington Trust, National Association. It delivers a broad suite of retail and commercial banking products across the United States, ranging from deposit accounts and consumer loans to commercial real-estate financing and treasury services.
The firm operates through three primary segments: Commercial Bank, Retail Bank, and Institutional Services & Wealth Management. The Commercial Bank focuses on middle-market and large corporate clients with offerings such as commercial loans, leasing, letters of credit, and cash-management solutions. The Retail Bank serves individuals and small businesses via demand-deposit accounts, mortgages, auto and home-equity loans, credit cards, and a network of branches, ATMs, and digital channels. Institutional Services & Wealth Management provides trustee, fiduciary, investment-management, brokerage, and family-office services, as well as mutual-fund and annuity products for corporate and high-net-worth clients.
Recent financial indicators suggest the bank is maintaining solid profitability despite a challenging rate environment. As of Q3 2024, MTB reported a net interest margin of 3.55% (up 5 bps YoY) and loan growth of 4.2% year-over-year, driven largely by commercial-real-estate and small-business portfolios. The efficiency ratio improved to 58.1%, reflecting tighter cost control, while the return on equity (ROE) stood at 12.8%, in line with the upper quartile of the Regional Banks sub-industry.
Key macro-economic drivers for MTB include the Federal Reserve’s policy stance, which influences net interest income, and regional economic health in the Northeast and Mid-Atlantic, where the bank has a concentrated footprint. Credit-quality trends-particularly delinquencies in commercial-real-estate loans-remain a material risk, but the bank’s diversified loan mix and strong capital ratios (Tier 1 capital ratio of 13.2%) provide a buffer against sector-wide stress.
For a deeper, data-driven assessment of MTB’s valuation dynamics, consider exploring the analytical tools available on ValueRay.
MTB Stock Overview
| Market Cap in USD | 28,932m |
| Sub-Industry | Regional Banks |
| IPO / Inception | 1991-10-04 |
| Return 12m vs S&P 500 | -21.7% |
| Analyst Rating | 3.90 of 5 |
MTB Dividends
| Dividend Yield | 2.95% |
| Yield on Cost 5y | 5.66% |
| Yield CAGR 5y | 5.01% |
| Payout Consistency | 96.7% |
| Payout Ratio | 34.4% |
MTB Growth Ratios
| CAGR | 7.96% |
| CAGR/Max DD Calmar Ratio | 0.23 |
| CAGR/Mean DD Pain Ratio | 0.54 |
| Current Volume | 1131.3k |
| Average Volume | 1187k |
Piotroski VR‑10 (Strict, 0-10) 4.5
| Net Income (2.77b TTM) > 0 and > 6% of Revenue (6% = 739.0m TTM) |
| FCFTA 0.02 (>2.0%) and ΔFCFTA 0.74pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1028 % (prev -957.0%; Δ -71.37pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.02 (>3.0%) and CFO 4.16b > Net Income 2.77b (YES >=105%, WARN >=100%) |
| Net Debt (13.04b) to EBITDA (4.00b) ratio: 3.26 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.23 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (156.6m) change vs 12m ago -6.57% (target <= -2.0% for YES) |
| Gross Margin 73.53% (prev 63.27%; Δ 10.26pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 5.82% (prev 6.31%; Δ -0.49pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.98 (EBITDA TTM 4.00b / Interest Expense TTM 3.66b) >= 6 (WARN >= 3) |
Altman Z'' -3.26
| (A) -0.60 = (Total Current Assets 38.81b - Total Current Liabilities 165.49b) / Total Assets 211.28b |
| (B) 0.12 = Retained Earnings (Balance) 26.33b / Total Assets 211.28b |
| (C) 0.02 = EBIT TTM 3.60b / Avg Total Assets 211.53b |
| (D) 0.15 = Book Value of Equity 26.70b / Total Liabilities 182.55b |
| Total Rating: -3.26 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 62.45
| 1. Piotroski 4.50pt = -0.50 |
| 2. FCF Yield 79.74% = 5.0 |
| 3. FCF Margin 33.05% = 7.50 |
| 4. Debt/Equity 0.52 = 2.37 |
| 5. Debt/Ebitda 3.26 = -2.09 |
| 6. ROIC - WACC (= -0.13)% = -0.16 |
| 7. RoE 9.62% = 0.80 |
| 8. Rev. Trend 2.04% = 0.15 |
| 9. EPS Trend -12.35% = -0.62 |
What is the price of MTB shares?
Over the past week, the price has changed by +3.02%, over one month by +4.10%, over three months by +1.70% and over the past year by -9.79%.
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 182.24 USD . This means that MTB is currently overvalued and has a potential downside of -3.19%.
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 | 217.9 | 15.8% |
| Analysts Target Price | 217.9 | 15.8% |
| ValueRay Target Price | 200.5 | 6.5% |
MTB Fundamental Data Overview November 11, 2025
P/E Trailing = 11.6132
P/E Forward = 10.1215
P/S = 3.1864
P/B = 1.0987
P/EG = 1.2976
Beta = 0.607
Revenue TTM = 12.32b USD
EBIT TTM = 3.60b USD
EBITDA TTM = 4.00b USD
Long Term Debt = 12.93b USD (from longTermDebt, last quarter)
Short Term Debt = 2.06b USD (from shortTermDebt, last quarter)
Debt = 14.99b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 13.04b USD (from netDebt column, last quarter)
Enterprise Value = 5.11b USD (28.93b + Debt 14.99b - CCE 38.81b)
Interest Coverage Ratio = 0.98 (Ebit TTM 3.60b / Interest Expense TTM 3.66b)
FCF Yield = 79.74% (FCF TTM 4.07b / Enterprise Value 5.11b)
FCF Margin = 33.05% (FCF TTM 4.07b / Revenue TTM 12.32b)
Net Margin = 22.51% (Net Income TTM 2.77b / Revenue TTM 12.32b)
Gross Margin = 73.53% ((Revenue TTM 12.32b - Cost of Revenue TTM 3.26b) / Revenue TTM)
Gross Margin QoQ = 95.03% (prev 68.99%)
Tobins Q-Ratio = 0.02 (Enterprise Value 5.11b / Total Assets 211.28b)
Interest Expense / Debt = 6.13% (Interest Expense 919.0m / Debt 14.99b)
Taxrate = 22.73% (233.0m / 1.02b)
NOPAT = 2.78b (EBIT 3.60b * (1 - 22.73%))
Current Ratio = 0.23 (Total Current Assets 38.81b / Total Current Liabilities 165.49b)
Debt / Equity = 0.52 (Debt 14.99b / totalStockholderEquity, last quarter 28.73b)
Debt / EBITDA = 3.26 (Net Debt 13.04b / EBITDA 4.00b)
Debt / FCF = 3.20 (Net Debt 13.04b / FCF TTM 4.07b)
Total Stockholder Equity = 28.82b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.31% (Net Income 2.77b / Total Assets 211.28b)
RoE = 9.62% (Net Income TTM 2.77b / Total Stockholder Equity 28.82b)
RoCE = 8.63% (EBIT 3.60b / Capital Employed (Equity 28.82b + L.T.Debt 12.93b))
RoIC = 6.93% (NOPAT 2.78b / Invested Capital 40.15b)
WACC = 7.06% (E(28.93b)/V(43.92b) * Re(8.27%) + D(14.99b)/V(43.92b) * Rd(6.13%) * (1-Tc(0.23)))
Discount Rate = 8.27% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -3.10%
[DCF Debug] Terminal Value 77.24% ; FCFE base≈3.45b ; Y1≈3.40b ; Y5≈3.49b
Fair Price DCF = 386.4 (DCF Value 59.38b / Shares Outstanding 153.7m; 5y FCF grow -2.43% → 3.0% )
EPS Correlation: -12.35 | EPS CAGR: 4.26% | SUE: 1.56 | # QB: 1
Revenue Correlation: 2.04 | Revenue CAGR: -3.27% | SUE: 0.06 | # QB: 0
Additional Sources for MTB Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle