Stock · MTB · Financial Services
United States · Large Cap · listed since 1991 · Revenue 12 mo. $13.3B
Price as of 11/06/2026
M&T Bank Corporation operates as a bank holding company for Manufacturers and Traders Trust Company and Wilmington Trust, National Association that provides retail and commercial banking products and services in the United States.
M&T Bank Corporation operates as a bank holding company for Manufacturers and Traders Trust Company and Wilmington Trust, National Association that provides retail and commercial banking products and services in the United States. The company operates through three segments: Commercial Bank, Retail Bank, and Institutional Services and Wealth Management. It offers a range of credit products and banking services, such as commercial lending and leasing, letters of credits, deposit products, cash management services, commercial real estate loans, and credit facilities secured by various commercial real estate properties to middle-market and large commercial customers. The company also provides customers deposit products, including demand, savings and time accounts, and other services; automobile and recreational finance loans, home equity loans and lines of credit, credit cards, and other loan products, as well as residential mortgage and real estate loans; business loans, cash management, payroll, direct deposit, and merchant credit card services to consumers and small businesses through branch network, telephone banking, internet banking, and automated teller machines. In addition, it offers trustee, agency, investment management, and administrative services; personal trust, planning and advisory, fiduciary, asset management, family office, and other services; and investment products, including mutual funds and annuities, and other services for corporations and institutions, investment bankers, corporate tax, finance and legal executives, and other institutional clients. M&T Bank Corporation was founded in 1856 and is headquartered in Buffalo, New York.
Original text from the data provider
Summary
57.2 of 100
Mean of the six area values. Each area value is the mean of the stock's ranks among the companies in its sector. 50 is the middle of the sector, not a share of companies beaten.
Analysis
What the price requires
Book value €23.6B, market value €27.6B (P/B 1.2). At a 9% discount rate, the premium over book value only pays off with a lasting 10.5% return on equity.
Required return on equity per year
10.5%
no perpetual growth
Price to book 1.17×, above its usual range.
Middle half of 20 quarters: 0.88× to 1.09×, median 1.03×.
Measures only against its own past, not against what the company is worth. Price as of 11/06/2026.
with respect to the priced-in expectation
No indication in the stored figures.
with respect to the priced-in expectation
Since the last quarter
Q2 → Q3 2026
1 more unchanged: Return on equity
Derivation
Each area value is the average of its metrics' ranks within the sector (0 to 100, 50 is the middle). For metrics where lower is better, the rank is mirrored. The overall value is the average of the area values.
Price as of 11/06/2026.
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Return on equity | 9.77% | 12.46% | Rank 30 |
| Return on capital (Greenblatt) | 226.64% | 59.04% | Rank 77 |
| EBIT margin | 29.99% | 23.06% | Rank 69 |
| FCF margin | 23.24% | 19.82% | Rank 56 |
| Gross margin | 74.62% | 65.53% | Rank 59 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Revenue growth, 1 year | −8.18% | 7.39% | Rank 14 |
| Earnings growth, 3 years per year | 14.46% | 15.20% | Rank 48 |
| Earnings growth, 5 years per year | 11.61% | 15.17% | Rank 37 |
| Sustainable growth (ROE × retained earnings) | 1.16% | 1.25% | Rank 47 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Earnings yield | 8.36% | 6.47% | Rank 75 |
| FCF yield | 9.29% | 7.16% | Rank 61 |
| EV/saleslower is better | −0.94 | 2.82 | Rank 92 |
| EV/EBITlower is betterdoes not count towards the rank | −3.14 | 14.24 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Share price, 1 year | 9.19% | 7.80% | Rank 53 |
| Share price, 6 months | 3.13% | 8.71% | Rank 31 |
| Share price, 3 months | −7.93% | 0.45% | Rank 12 |
| Distance from 52-week high | −14.30% | −10.68% | Rank 35 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Accruals (Sloan)lower is better | 3.16% | 1.23% | Rank 31 |
| Change in share countlower is better | −6.43% | −0.60% | Rank 93 |
| Dividend streak in years | 38 | 5 | Rank 100 |
| Price reaction to results, market-adjusted | −0.69% | 0.00% | Rank 36 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Equity ratio | 13.67% | 9.21% | Rank 64 |
| Net debt/EBITDAlower is better | −10.11 | 0.12 | Rank 86 |
| Debt to equitylower is better | 0.45 | 0.90 | Rank 71 |
| Volatility, 1 yearlower is better | 21.18% | 25.95% | Rank 79 |
Ten years in figures
| Year | Revenue, $B | Net income, $B | Return on equity | Shares |
|---|---|---|---|---|
| 2016 | 5.7 | 1.3 | 8.0% | 157M |
| 2017 | 6.0 | 1.4 | 8.7% | 153M |
| 2018 | 6.5 | 1.9 | 12.4% | 139M |
| 2019 | 6.9 | 1.9 | 12.3% | 134M |
| 2020 | 6.3 | 1.4 | 8.4% | 129M |
| 2021 | 6.1 | 1.9 | 10.4% | 129M |
| 2022 | 8.4 | 2.0 | 7.9% | 164M |
| 2023 | 12.5 | 2.7 | 10.2% | 167M |
| 2024 | 13.4 | 2.6 | 8.9% | 167M |
| 2025 | 12.3 | 2.9 | 9.8% | 157M |
4 of 7 StockScorer Score rules met · How the score is built
M&T Bank Corporation mainly meets criteria in the Valuation category. Result from 18 strategies checked.
This is how the StockScorer Score strategy, the flagship rule set, calculates the points for M&T Bank Corporation. It compares return and cash-flow metrics with the median of the company's own sector and checks growth and price trend.
4 of 7 rules met
7 of 11 points
The rule “Exclusion: financial and real estate stocks” applies. The stock is therefore not rated regardless of the points scored.
Detail data
Excerpt from 18 strategies checked. The full evaluation is visible after a free sign-up.
With a free account, you can see the match across all strategies checked in one complete overview.
Selected fundamental metrics for M&T Bank Corporation.
| Metric | Stock | Sector |
|---|---|---|
| P/E ratio | 12.0 | 15.2 |
| P/B ratio | 1.2 | 1.8 |
| Return on equity (ROE) | 9.8% | 12.5% |
| Equity ratio | 13.7% | 9.2% |
| Debt-to-equity (D/E) | 0.45 | 0.90 |
| Dividend yield | 2.8% | 3.3% |
How comparable stocks in the same sector score in the StockScorer model.
| Symbol | Company | Rating |
|---|---|---|
| MTB | M&T Bank Corporationthis page | |
| HBAN | Huntington Bancshares Incorporated | Low1.8 |
| CFG | Citizens Financial Group, Inc. | Low1.8 |
| FCNCA | First Citizens BancShares, Inc. | locked |
| RF | Regions Financial Corporation | locked |
| KEY | KeyCorp | locked |
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Learn more about the metrics in the metrics glossary or all rated stocks in the stock overview.
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