M & T BANK CORP (MTB) Fundamental Analysis & Valuation

NYSE:MTB • US55261F1049

Current stock price

221.29 USD
+1.37 (+0.62%)
At close:
221.29 USD
0 (0%)
After Hours:

This MTB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. MTB Profitability Analysis

1.1 Basic Checks

  • MTB had positive earnings in the past year.
  • MTB had a positive operating cash flow in the past year.
  • Each year in the past 5 years MTB has been profitable.
  • In the past 5 years MTB always reported a positive cash flow from operatings.
MTB Yearly Net Income VS EBIT VS OCF VS FCFMTB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B

1.2 Ratios

  • MTB has a Return On Assets of 1.26%. This is in the better half of the industry: MTB outperforms 77.45% of its industry peers.
  • MTB has a Return On Equity of 9.25%. This is comparable to the rest of the industry: MTB outperforms 50.40% of its industry peers.
Industry RankSector Rank
ROA 1.26%
ROE 9.25%
ROIC N/A
ROA(3y)1.24%
ROA(5y)1.16%
ROE(3y)9.16%
ROE(5y)8.97%
ROIC(3y)N/A
ROIC(5y)N/A
MTB Yearly ROA, ROE, ROICMTB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • MTB's Profit Margin of 27.84% is fine compared to the rest of the industry. MTB outperforms 62.86% of its industry peers.
  • MTB's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for MTB so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 27.84%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y6.39%
PM growth 5Y5.33%
GM growth 3YN/A
GM growth 5YN/A
MTB Yearly Profit, Operating, Gross MarginsMTB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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2

2. MTB Health Analysis

2.1 Basic Checks

  • MTB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for MTB has been reduced compared to 1 year ago.
  • Compared to 5 years ago, MTB has more shares outstanding
  • The debt/assets ratio for MTB has been reduced compared to a year ago.
MTB Yearly Shares OutstandingMTB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
MTB Yearly Total Debt VS Total AssetsMTB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50B 100B 150B 200B

2.2 Solvency

  • The Debt to FCF ratio of MTB is 4.57, which is a neutral value as it means it would take MTB, 4.57 years of fcf income to pay off all of its debts.
  • MTB has a worse Debt to FCF ratio (4.57) than 69.23% of its industry peers.
  • A Debt/Equity ratio of 0.45 indicates that MTB is not too dependend on debt financing.
  • With a Debt to Equity ratio value of 0.45, MTB is not doing good in the industry: 74.80% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.45
Debt/FCF 4.57
Altman-Z N/A
ROIC/WACCN/A
WACC12.28%
MTB Yearly LT Debt VS Equity VS FCFMTB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B 25B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
MTB Yearly Current Assets VS Current LiabilitesMTB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. MTB Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 10.21% over the past year.
  • The Earnings Per Share has been growing by 11.40% on average over the past years. This is quite good.
  • Looking at the last year, MTB shows a small growth in Revenue. The Revenue has grown by 4.43% in the last year.
  • Measured over the past years, MTB shows a quite strong growth in Revenue. The Revenue has been growing by 10.23% on average per year.
EPS 1Y (TTM)10.21%
EPS 3Y13.96%
EPS 5Y11.4%
EPS Q2Q%20.98%
Revenue 1Y (TTM)4.43%
Revenue growth 3Y5.82%
Revenue growth 5Y10.23%
Sales Q2Q%3.77%

3.2 Future

  • MTB is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.57% yearly.
  • Based on estimates for the next years, MTB will show a small growth in Revenue. The Revenue will grow by 2.51% on average per year.
EPS Next Y11.16%
EPS Next 2Y11.67%
EPS Next 3Y11.38%
EPS Next 5Y6.57%
Revenue Next Year3.18%
Revenue Next 2Y3.44%
Revenue Next 3Y3.34%
Revenue Next 5Y2.51%

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
MTB Yearly Revenue VS EstimatesMTB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 2B 4B 6B 8B 10B
MTB Yearly EPS VS EstimatesMTB Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 5 10 15 20 25

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5

4. MTB Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 12.98, which indicates a correct valuation of MTB.
  • MTB's Price/Earnings is on the same level as the industry average.
  • When comparing the Price/Earnings ratio of MTB to the average of the S&P500 Index (27.18), we can say MTB is valued rather cheaply.
  • A Price/Forward Earnings ratio of 11.68 indicates a reasonable valuation of MTB.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of MTB is on the same level as its industry peers.
  • MTB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 37.96.
Industry RankSector Rank
PE 12.98
Fwd PE 11.68
MTB Price Earnings VS Forward Price EarningsMTB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, MTB is valued a bit cheaper than the industry average as 61.27% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 11.53
EV/EBITDA N/A
MTB Per share dataMTB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150

4.3 Compensation for Growth

  • MTB's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.16
PEG (5Y)1.14
EPS Next 2Y11.67%
EPS Next 3Y11.38%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. MTB Dividend Analysis

5.1 Amount

  • MTB has a Yearly Dividend Yield of 2.69%. Purely for dividend investing, there may be better candidates out there.
  • MTB's Dividend Yield is comparable with the industry average which is at 2.53.
  • MTB's Dividend Yield is a higher than the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 2.69%

5.2 History

  • On average, the dividend of MTB grows each year by 6.02%, which is quite nice.
  • MTB has been paying a dividend for at least 10 years, so it has a reliable track record.
  • MTB has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)6.02%
Div Incr Years9
Div Non Decr Years27
MTB Yearly Dividends per shareMTB Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4 5

5.3 Sustainability

  • 38.73% of the earnings are spent on dividend by MTB. This is a low number and sustainable payout ratio.
  • The dividend of MTB is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP38.73%
EPS Next 2Y11.67%
EPS Next 3Y11.38%
MTB Yearly Income VS Free CF VS DividendMTB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B
MTB Dividend Payout.MTB Dividend Payout, showing the Payout Ratio.MTB Dividend Payout.PayoutRetained Earnings

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MTB Fundamentals: All Metrics, Ratios and Statistics

M & T BANK CORP

NYSE:MTB (4/13/2026, 8:04:00 PM)

After market: 221.29 0 (0%)

221.29

+1.37 (+0.62%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-16
Earnings (Next)04-15
Inst Owners92.83%
Inst Owner Change0.08%
Ins Owners0.24%
Ins Owner Change0.38%
Market Cap32.97B
Revenue(TTM)9.69B
Net Income(TTM)2.70B
Analysts71.54
Price Target238.25 (7.66%)
Short Float %4.72%
Short Ratio5.28
Dividend
Industry RankSector Rank
Dividend Yield 2.69%
Yearly Dividend6.59
Dividend Growth(5Y)6.02%
DP38.73%
Div Incr Years9
Div Non Decr Years27
Ex-Date03-02
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.63%
Min EPS beat(2)3.42%
Max EPS beat(2)7.84%
EPS beat(4)3
Avg EPS beat(4)3.27%
Min EPS beat(4)-3.31%
Max EPS beat(4)7.84%
EPS beat(8)7
Avg EPS beat(8)6.82%
EPS beat(12)10
Avg EPS beat(12)6.8%
EPS beat(16)11
Avg EPS beat(16)1.81%
Revenue beat(2)1
Avg Revenue beat(2)0.45%
Min Revenue beat(2)-0.96%
Max Revenue beat(2)1.86%
Revenue beat(4)1
Avg Revenue beat(4)-0.58%
Min Revenue beat(4)-2.58%
Max Revenue beat(4)1.86%
Revenue beat(8)3
Avg Revenue beat(8)-1.84%
Revenue beat(12)5
Avg Revenue beat(12)-1.58%
Revenue beat(16)6
Avg Revenue beat(16)-1.57%
PT rev (1m)0.14%
PT rev (3m)5.51%
EPS NQ rev (1m)-0.01%
EPS NQ rev (3m)-0.76%
EPS NY rev (1m)-0.02%
EPS NY rev (3m)0.05%
Revenue NQ rev (1m)-0.04%
Revenue NQ rev (3m)-0.97%
Revenue NY rev (1m)-0.04%
Revenue NY rev (3m)-0.52%
Valuation
Industry RankSector Rank
PE 12.98
Fwd PE 11.68
P/S 3.4
P/FCF 11.53
P/OCF 10.98
P/B 1.13
P/tB 1.6
EV/EBITDA N/A
EPS(TTM)17.05
EY7.7%
EPS(NY)18.95
Fwd EY8.56%
FCF(TTM)19.19
FCFY8.67%
OCF(TTM)20.15
OCFY9.11%
SpS65.03
BVpS195.82
TBVpS138.58
PEG (NY)1.16
PEG (5Y)1.14
Graham Number274.08
Profitability
Industry RankSector Rank
ROA 1.26%
ROE 9.25%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 27.84%
GM N/A
FCFM 29.52%
ROA(3y)1.24%
ROA(5y)1.16%
ROE(3y)9.16%
ROE(5y)8.97%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y6.39%
PM growth 5Y5.33%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.45
Debt/FCF 4.57
Debt/EBITDA N/A
Cap/Depr 39.18%
Cap/Sales 1.48%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 106%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC12.28%
ROIC/WACCN/A
Cap/Depr(3y)55.89%
Cap/Depr(5y)58.96%
Cap/Sales(3y)2.15%
Cap/Sales(5y)2.31%
Profit Quality(3y)127.66%
Profit Quality(5y)151.57%
High Growth Momentum
Growth
EPS 1Y (TTM)10.21%
EPS 3Y13.96%
EPS 5Y11.4%
EPS Q2Q%20.98%
EPS Next Y11.16%
EPS Next 2Y11.67%
EPS Next 3Y11.38%
EPS Next 5Y6.57%
Revenue 1Y (TTM)4.43%
Revenue growth 3Y5.82%
Revenue growth 5Y10.23%
Sales Q2Q%3.77%
Revenue Next Year3.18%
Revenue Next 2Y3.44%
Revenue Next 3Y3.34%
Revenue Next 5Y2.51%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year11.5%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-15.73%
FCF growth 3Y-13.11%
FCF growth 5Y35.9%
OCF growth 1Y-16.81%
OCF growth 3Y-13.08%
OCF growth 5Y30.64%

M & T BANK CORP / MTB Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for M & T BANK CORP?

ChartMill assigns a fundamental rating of 4 / 10 to MTB.


What is the valuation status for MTB stock?

ChartMill assigns a valuation rating of 5 / 10 to M & T BANK CORP (MTB). This can be considered as Fairly Valued.


How profitable is M & T BANK CORP (MTB) stock?

M & T BANK CORP (MTB) has a profitability rating of 4 / 10.


Can you provide the financial health for MTB stock?

The financial health rating of M & T BANK CORP (MTB) is 2 / 10.


What is the earnings growth outlook for M & T BANK CORP?

The Earnings per Share (EPS) of M & T BANK CORP (MTB) is expected to grow by 11.16% in the next year.