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.
CountryUS
ExchangeNYSE
IndustryBanks - Regional
SectorFinancial Services
Market Cap$32.06B
CEOMr. 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
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Credit CardsCredit solutions
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Business LoansBusiness funding
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Mortgage LoansHome financing
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Savings AccountsSave money
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Checking AccountsDaily banking
Business Type
Business to Consumer
Competitive Advantages
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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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Trailing Twelve Months (TTM) values provide a view of the company's performance over the last year.
Income Statement Flow
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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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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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