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MTB
M&T Bank Corporation
Summary
Business
Earnings Call
Valuation
Profitability
Financial Health
Intel
Yearly Return 10Y annualized return is positive but below market average at 4.0% per year
Earnings Expectations MTB has met or exceeded earnings expectations in the majority of recent quarters (7/10)
Positive Attractive PE Ratio
Positive Low Price-to-Book Ratio
Negative High EV to EBITDA Ratio
Negative Moderate Return on Equity

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M&T Bank demonstrates strong business quality through its robust liquidity, capital position, and diverse income streams while facing challenges with declining loans and economic uncertainties. Future prospects are positive, marked by expected growth in net interest income and strategic market expansions, despite competitive pressures in certain loan segments.

Analysis Date: April 14, 2025
Last Updated: May 29, 2025

+47%
+4.0% per year

Past performance does not guarantee future results. The data presented is indicative and may not be updated in real-time.

Country US
Exchange NYSE
Industry Banks - Regional
Sector Financial Services
Market Cap $32.06B
CEO Mr. Rene F. Jones CPA

M&T Bank Corporation is a bank that provides a variety of financial services for both individuals and businesses. They offer checking and savings accounts, loans for homes and cars, and help small businesses with money management and loans. With many branches in the northeastern United States and some in Canada, M&T Bank helps people manage their money and achieve their financial goals. Founded in 1856, the bank has a long history of serving its communities.

Streams of revenue

Retail Banking: 64%
Commercial Banking: 36%

Geographic Distribution

All Other: 100%

Core Products

💳
Credit Cards Credit solutions
💼
Business Loans Business funding
🏠
Mortgage Loans Home financing
💰
Savings Accounts Save money
🏦
Checking Accounts Daily banking

Business Type

B2C Business to Consumer

Competitive Advantages

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Key Business Risks

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Trailing Twelve Months (TTM) values provide a view of the company's performance over the last year.

Graham Value Metrics

Benjamin Graham's value investing approach focuses on finding stocks with a significant margin of safety between their intrinsic value and market price.

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ROE: 9.16075547616157

ROA: None

Gross Profit Margin: 65.99879481771617

Net Profit Margin: 19.893040072310935

Trailing Twelve Months (TTM) values provide a view of the company's performance over the last year.

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About Profitability Metrics

Profitability metrics measure a company's ability to generate earnings relative to its revenue, operating costs, and other relevant metrics. Higher values generally indicate better performance.

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  • • Return on Equity (ROE) analysis
  • • Return on Assets (ROA) insights
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About Financial Health Metrics

Financial health metrics assess a company's ability to meet its financial obligations and its overall financial stability.

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Meeting Expectations

7 /10

Higher values indicate better execution and credibility

Recent Results

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EPS

3.40
Estimated
3.38
Actual
-0.59%
Difference

Revenue

$2344516492
Estimated
$3171000000
Actual
-1.64%
Difference
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Insider trading data shows purchase and sale activities by company executives and board members.

Insider Sentiment Analysis

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MTB Stock Analysis: M&T Bank Corporation Investment Guide

MTB (M&T Bank Corporation) is a Financial Services company listed on New York Stock Exchange. The stock has generated 4.0% annual returns with an overall investment score of None/100.

M&T Bank demonstrates strong business quality through its robust liquidity, capital position, and diverse income streams while facing challenges with declining loans and economic uncertainties. Future prospects are positive, marked by expected growth in net interest income and strategic market expansions, despite competitive pressures in certain loan segments.

MTB Key Financial Metrics

MTB financial analysis includes comprehensive valuation ratios, profitability metrics, and financial health indicators. The company has a valuation score of 6.769562932519691/100 and profitability score of 5.0/100 with financial health rated 8.4/100.

About M&T Bank Corporation

M&T Bank Corporation is a bank that provides a variety of financial services for both individuals and businesses. They offer checking and savings accounts, loans for homes and cars, and help small businesses with money management and loans. With many branches in the northeastern United States and some in Canada, M&T Bank helps people manage their money and achieve their financial goals. Founded in 1856, the bank has a long history of serving its communities.

MTB Investment Recommendation

Based on our comprehensive analysis of MTB, investors should consider the company's positive performance track record, earnings consistency (7/10 quarters beat expectations), and current valuation metrics when making investment decisions.

Financial Services Sector Analysis

MTB operates in the Banks - Regional industry within the Financial Services sector. This analysis compares M&T Bank Corporation performance against industry and sector benchmarks to provide context for investment decisions.

Frequently Asked Questions about MTB Stock

Is MTB a good investment?

MTB (M&T Bank Corporation) has generated 4.0% annual returns with an overall score of None/100. M&T Bank demonstrates strong business quality through its robust liquidity, capital position, and diverse income streams while facing challenges with declining loans and economic uncertainties. Future prospects are positive, marked … Investors should consider their risk tolerance and investment goals when evaluating MTB.

What is MTB P/E ratio and valuation?

MTB valuation metrics including P/E ratio, price-to-book ratio, and price-to-sales ratio are analyzed on this page with comparisons to Banks - Regional industry and Financial Services sector benchmarks. The company currently has a valuation score of 6.769562932519691/100.

Should I buy MTB stock now?

The decision to buy MTB stock should be based on comprehensive analysis of financial metrics, market conditions, and individual investment goals. Our analysis provides profitability score of 5.0/100, financial health score of 8.4/100, and detailed performance metrics to help inform your investment decision.

What are MTB financial health indicators?

MTB financial health analysis includes liquidity ratios, debt levels, cash flow metrics, and profitability indicators. The company has a financial health score of 8.4/100 based on comprehensive analysis of balance sheet strength and operational efficiency.

How does MTB compare to competitors?

MTB performance is benchmarked against Banks - Regional industry peers and Financial Services sector averages. Our analysis includes comparative valuation ratios, profitability metrics, and growth indicators to provide context for M&T Bank Corporation's market position.

What are MTB historical returns?

MTB has generated 4.0% annual returns over the 10Y. Historical performance analysis includes price appreciation, dividend yields, and total shareholder returns compared to market benchmarks.

MTB Key Investment Metrics Summary

  • Annual Return: 4.0%
  • Valuation Score: 6.769562932519691/100
  • Profitability Score: 5.0/100
  • Financial Health Score: 8.4/100
  • Growth Score: -17.297612440654277/100
  • Earnings Beat Rate: 7/10 quarters
  • Sector: Financial Services
  • Industry: Banks - Regional
  • Exchange: New York Stock Exchange
  • Market Cap: 32064233250

MTB Investment Thesis

M&T Bank Corporation (MTB) represents a conservative investment opportunity in the Financial Services sector. With an overall score of None/100, the company demonstrates areas for financial improvement.

Investment Strengths

  • Attractive PE Ratio
  • Low Price-to-Book Ratio
  • Strong Profit Margins
  • Low Debt Levels
  • Strong Liquidity and Capital Position
  • Recognition and Awards
  • Diverse Fee Income Growth
  • Positive Outlook for Net Interest Income (NII)
  • Focus on Growth in Key Markets

Investment Risks

  • High EV to EBITDA Ratio
  • Moderate Return on Equity
  • Liquidity Concerns
  • Low Interest Coverage
  • Declining Average Loans
  • Economic Uncertainties Impacting Growth
  • Competitive Loan Market
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