(MTB) M&T Bank - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 31.648m USD | Total Return: 20.7% in 12m
Avg Turnover: 173M
EPS Trend: 30.0%
Qual. Beats: 0
Rev. Trend: 22.4%
Qual. Beats: 0
Warnings
Below Avwap Earnings
Tailwinds
No distinct edge detected
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
| 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 (-36.0b) to EBITDA (4.26b): -8.46 < 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 66.00%; Δ 9.31% > 0.5%) |
| Asset Turnover: 5.82% > 50% (prev 6.31%; Δ -0.50% > 0%) |
| Interest Coverage Ratio: 1.10 > 6 (EBIT TTM 3.79b / Interest Expense TTM 3.46b) |
| A: -0.54 (Total Current Assets 55.1b - Total Current Liabilities 172b) / Total Assets 215b |
| B: 0.10 (Retained Earnings 21.5b / Total Assets 215b) |
| C: 0.02 (EBIT TTM 3.79b / Avg Total Assets 213b) |
| D: 0.15 (Book Value of Equity 28.0b / Total Liabilities 187b) |
| Altman-Z'' = -2.96 = D |
As of June 04, 2026, the stock is trading at USD 214.03 with a total of 630,809 shares traded.
Over the past week, the price has changed by +0.20%,
over one month by +0.68%,
over three months by -1.58% and
over the past year by +20.70%.
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
| Analysts Target Price | 233.2 | 8.9% |
P/E Trailing = 12.1342
P/E Forward = 11.5473
P/S = 3.3994
P/B = 1.2393
P/EG = 1.3589
Revenue TTM = 12.4b USD
EBIT TTM = 3.79b USD
EBITDA TTM = 4.26b USD
Long Term Debt = 11.2b USD (from longTermDebt, last quarter)
Short Term Debt = 7.85b USD (from shortTermDebt, last quarter)
Debt = 19.0b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -36.0b USD (calculated: Debt 19.0b - CCE 55.1b)
Enterprise Value = 31.6b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 1.10 (Ebit TTM 3.79b / Interest Expense TTM 3.46b)
EV/FCF = 9.73x (Enterprise Value 31.6b / FCF TTM 3.25b)
FCF Yield = 10.28% (FCF TTM 3.25b / Enterprise Value 31.6b)
FCF Margin = 26.31% (FCF TTM 3.25b / Revenue TTM 12.4b)
Net Margin = 23.71% (Net Income TTM 2.93b / Revenue TTM 12.4b)
Gross Margin = 75.31% ((Revenue TTM 12.4b - Cost of Revenue TTM 3.05b) / Revenue TTM)
Gross Margin QoQ = 71.35% (prev 70.51%)
Tobins Q-Ratio = 0.15 (Enterprise Value 31.6b / Total Assets 215b)
Interest Expense / Debt = 18.17% (Interest Expense 3.46b / Debt 19.0b)
Taxrate = 22.75% (863.0m / 3.79b)
NOPAT = 2.93b (EBIT 3.79b * (1 - 22.75%))
Current Ratio = 0.32 (Total Current Assets 55.1b / Total Current Liabilities 172b)
Debt / Equity = 0.68 (Debt 19.0b / totalStockholderEquity, last quarter 28.0b)
Debt / EBITDA = -8.46 (Net Debt -36.0b / EBITDA 4.26b)
Debt / FCF = -11.08 (Net Debt -36.0b / FCF TTM 3.25b)
Total Stockholder Equity = 28.6b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.38% (Net Income 2.93b / Total Assets 215b)
RoE = 10.25% (Net Income TTM 2.93b / Total Stockholder Equity 28.6b)
RoCE = 9.54% (EBIT 3.79b / Capital Employed (Equity 28.6b + L.T.Debt 11.2b))
RoIC = 5.82% (NOPAT 2.93b / Invested Capital 50.4b)
WACC = 10.85% (E(31.6b)/V(50.7b) * Re(8.94%) + D(19.0b)/V(50.7b) * Rd(18.17%) * (1-Tc(0.23)))
Discount Rate = 8.94% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -69.01 | Cagr: -2.76%
[DCF] Terminal Value 66.30% ; FCFF base≈3.32b ; Y1≈3.19b ; Y5≈3.09b
[DCF] Fair Price = 479.7 (EV 34.2b - Net Debt -36.0b = Equity 70.3b / Shares 146.4m; r=10.85% [WACC]; 5y FCF grow -5.19% → 2.50% )
EPS Correlation: 30.04 | EPS CAGR: 2.42% | SUE: 0.53 | # QB: 0
Revenue Correlation: 22.44 | Revenue CAGR: 1.29% | SUE: 0.58 | # QB: 0
EPS current Quarter (2026-06-30): EPS=4.65 | Chg30d=+0.11% | Revisions=-58% | Analysts=14
EPS next Quarter (2026-09-30): EPS=4.88 | Chg30d=+0.20% | Revisions=-58% | Analysts=14
EPS current Year (2026-12-31): EPS=18.71 | Chg30d=+0.11% | Revisions=-43% | GrowthEPS=+10.1% | GrowthRev=+2.7%
EPS next Year (2027-12-31): EPS=20.86 | Chg30d=-0.10% | Revisions=-43% | GrowthEPS=+11.5% | GrowthRev=+3.7%
[Analyst] Revisions Ratio: -58%