M & T BANK CORP(NYSE:MTB) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to MTB. MTB was compared to 398 industry peers in the Banks industry. MTB may be in some trouble as it scores bad on both profitability and health. MTB has a valuation in line with the averages, but on the other hand it scores bad on growth.

Quickly go to:

1. Profitability

1.1 Basic Checks

In the past year MTB was profitable.

In the past year MTB had a positive cash flow from operations.

In the past 5 years MTB has always been profitable.

In the past 5 years MTB always reported a positive cash flow from operatings.

1.2 Ratios

MTB has a Return On Assets of 1.18%. This is in the better half of the industry: MTB outperforms 76.38% of its industry peers.

MTB has a Return On Equity (8.44%) which is comparable to the rest of the industry.

		Industry Rank	Sector Rank
ROA	1.18%
ROE	8.44%
ROIC	N/A

ROA(3y)1.13%

ROA(5y)1.09%

ROE(3y)8.56%

ROE(5y)8.7%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

Looking at the Profit Margin, with a value of 26.39%, MTB is in the better half of the industry, outperforming 67.34% of the companies in the same industry.

In the last couple of years the Profit Margin of MTB has declined.

The Operating Margin and Gross Margin are not available for MTB so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	26.39%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-3.81%

PM growth 5Y-2.44%

GM growth 3YN/A

GM growth 5YN/A

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

2. Health

2.1 Basic Checks

MTB does not have a ROIC to compare to the WACC, probably because it is not profitable.

MTB has less shares outstanding than it did 1 year ago.

Compared to 5 years ago, MTB has more shares outstanding

The debt/assets ratio for MTB is higher compared to a year ago.

2.2 Solvency

The Debt to FCF ratio of MTB is 4.03, which is a neutral value as it means it would take MTB, 4.03 years of fcf income to pay off all of its debts.

MTB has a Debt to FCF ratio of 4.03. This is in the lower half of the industry: MTB underperforms 63.82% of its industry peers.

A Debt/Equity ratio of 0.47 indicates that MTB is not too dependend on debt financing.

The Debt to Equity ratio of MTB (0.47) is worse than 75.63% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.47
Debt/FCF	4.03
Altman-Z	N/A

ROIC/WACCN/A

WACC14.3%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

The earnings per share for MTB have decreased by -9.52% in the last year.

MTB shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 1.97% yearly.

MTB shows a decrease in Revenue. In the last year, the revenue decreased by -1.82%.

MTB shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.43% yearly.

EPS 1Y (TTM)-9.52%

EPS 3Y3.73%

EPS 5Y1.97%

EPS Q2Q%-13.99%

Revenue 1Y (TTM)-1.82%

Revenue growth 3Y15.7%

Revenue growth 5Y8.43%

Sales Q2Q%16%

3.2 Future

MTB is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -0.52% yearly.

Based on estimates for the next years, MTB will show a small growth in Revenue. The Revenue will grow by 2.10% on average per year.

EPS Next Y3.87%

EPS Next 2Y9.46%

EPS Next 3Y9.03%

EPS Next 5Y-0.52%

Revenue Next Year4.16%

Revenue Next 2Y4.17%

Revenue Next 3Y3.49%

Revenue Next 5Y2.1%

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.

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.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 10.46 indicates a reasonable valuation of MTB.

MTB's Price/Earnings ratio is in line with the industry average.

MTB is valuated cheaply when we compare the Price/Earnings ratio to 28.29, which is the current average of the S&P500 Index.

MTB is valuated reasonably with a Price/Forward Earnings ratio of 8.43.

Based on the Price/Forward Earnings ratio, MTB is valued a bit cheaper than 70.35% of the companies in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 21.32, MTB is valued rather cheaply.

		Industry Rank	Sector Rank
PE	10.46
Fwd PE	8.43

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of MTB indicates a somewhat cheap valuation: MTB is cheaper than 76.63% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	7.48
EV/EBITDA	N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates MTB does not grow enough to justify the current Price/Earnings ratio.

PEG (NY)2.7

PEG (5Y)5.3

EPS Next 2Y9.46%

EPS Next 3Y9.03%

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.37%, MTB has a reasonable but not impressive dividend return.

MTB's Dividend Yield is comparable with the industry average which is at 3.66.

Compared to an average S&P500 Dividend Yield of 2.51, MTB pays a bit more dividend than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	3.37%

5.2 History

The dividend of MTB is nicely growing with an annual growth rate of 6.23%!

MTB has paid a dividend for at least 10 years, which is a reliable track record.

MTB has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.

Dividend Growth(5Y)6.23%

Div Incr Years7

Div Non Decr Years25

5.3 Sustainability

42.18% of the earnings are spent on dividend by MTB. This is a bit on the high side, but may be sustainable.

DP42.18%

EPS Next 2Y9.46%

EPS Next 3Y9.03%

More info and screens

Find the best dividend stocks

Show peers with best dividend

M & T BANK CORP

NYSE:MTB (4/21/2025, 3:11:46 PM)

156.18

-4.05 (-2.53%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-14 2025-04-14/bmo

Earnings (Next)07-16 2025-07-16/bmo

Inst Owners88.8%

Inst Owner Change0.6%

Ins Owners0.39%

Ins Owner Change-0.51%

Market Cap25.39B

Analysts76.67

Price Target220.28 (41.04%)

Short Float %2.86%

Short Ratio3.57

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.37%

Yearly Dividend6.23

Dividend Growth(5Y)6.23%

DP42.18%

Div Incr Years7

Div Non Decr Years25

Ex-Date03-03 2025-03-03 (1.35)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)5.94%

Min EPS beat(2)2.48%

Max EPS beat(2)9.39%

EPS beat(4)4

Avg EPS beat(4)10.37%

Min EPS beat(4)2.48%

Max EPS beat(4)24.16%

EPS beat(8)7

Avg EPS beat(8)8.56%

EPS beat(12)8

Avg EPS beat(12)1.32%

EPS beat(16)11

Avg EPS beat(16)2.52%

Revenue beat(2)1

Avg Revenue beat(2)0.25%

Min Revenue beat(2)-0.43%

Max Revenue beat(2)0.93%

Revenue beat(4)2

Avg Revenue beat(4)-3.1%

Min Revenue beat(4)-13%

Max Revenue beat(4)0.93%

Revenue beat(8)4

Avg Revenue beat(8)-2.08%

Revenue beat(12)5

Avg Revenue beat(12)-1.9%

Revenue beat(16)6

Avg Revenue beat(16)-1.66%

PT rev (1m)-3.07%

PT rev (3m)-4.26%

EPS NQ rev (1m)-1.52%

EPS NQ rev (3m)-2.27%

EPS NY rev (1m)-2.82%

EPS NY rev (3m)-2.42%

Revenue NQ rev (1m)-0.25%

Revenue NQ rev (3m)0.25%

Revenue NY rev (1m)-0.38%

Revenue NY rev (3m)0%

Valuation

		Industry Rank	Sector Rank
PE	10.46
Fwd PE	8.43
P/S	2.74
P/FCF	7.48
P/OCF	7.03
P/B	0.87
P/tB	1.24
EV/EBITDA	N/A

EPS(TTM)14.93

EY9.56%

EPS(NY)18.53

Fwd EY11.87%

FCF(TTM)20.88

FCFY13.37%

OCF(TTM)22.21

OCFY14.22%

SpS57.08

BVpS178.57

TBVpS125.92

PEG (NY)2.7

PEG (5Y)5.3

Profitability

		Industry Rank	Sector Rank
ROA	1.18%
ROE	8.44%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	26.39%
GM	N/A
FCFM	36.58%

ROA(3y)1.13%

ROA(5y)1.09%

ROE(3y)8.56%

ROE(5y)8.7%

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

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-3.81%

PM growth 5Y-2.44%

GM growth 3YN/A

GM growth 5YN/A

F-Score5

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.47
Debt/FCF	4.03
Debt/EBITDA	N/A
Cap/Depr	58.54%
Cap/Sales	2.33%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	138.59%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC14.3%

ROIC/WACCN/A

Cap/Depr(3y)63.99%

Cap/Depr(5y)65.76%

Cap/Sales(3y)2.53%

Cap/Sales(5y)2.6%

Profit Quality(3y)169.16%

Profit Quality(5y)140.02%

High Growth Momentum

Growth

EPS 1Y (TTM)-9.52%

EPS 3Y3.73%

EPS 5Y1.97%

EPS Q2Q%-13.99%

EPS Next Y3.87%

EPS Next 2Y9.46%

EPS Next 3Y9.03%

EPS Next 5Y-0.52%

Revenue 1Y (TTM)-1.82%

Revenue growth 3Y15.7%

Revenue growth 5Y8.43%

Sales Q2Q%16%

Revenue Next Year4.16%

Revenue Next 2Y4.17%

Revenue Next 3Y3.49%

Revenue Next 5Y2.1%

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next Year22.05%

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-6.99%

FCF growth 3Y9.77%

FCF growth 5Y9.26%

OCF growth 1Y-7.55%

OCF growth 3Y9.96%

OCF growth 5Y8.9%

M & T BANK CORP (MTB) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens