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Company Analysis

M&T Bank Corporation MTB

A comprehensive view of key metrics, scores, and financial health for M&T Bank Corporation

Overview of M&T Bank Corporation

MTB NYQ
Financial Services Banks - Regional Large Cap
M&T Bank Corporation (MTB), is a Large Cap company, in the Banks - Regional industry, last closed at $196.26, about 9.6% overvalued vs fair value, +11.9% 1Y return, ranked 314/1004 in sector.
$196.26
-0.98%
As of March 13, 2026
Previous close • Vol 90d: 23.3%
52-Week Range
Market Cap
$31.37B
Enterprise Value
$25.66B
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.mtb.com
HQ Buffalo, NY
Employees 21,839
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$98
$177
$332
Current: $196.26 -10% vs base

Engine Room Money Flow™

Large Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$10.5B
-4.9%%
Interest Expense
$3.5B
Net Interest Income
$6.9B
1.4%%
Total Revenue
$12.3B
33.3%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
9.2%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$3.7B
150.1% of Net Income

Where It Leaks

Cash Flow Health some concerns
Moderate efficiency issues detected. Review active leaks below for improvement areas.
1
Active Leaks
0/1
Improving
1
High Impact
0
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating M&T Bank Corporation's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
68
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
74
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing MTB's balance between Growth (20.6%), Profitability (40.9%), and Safety (38.5%). Growth 21% Safety 39% Profitability 41%

Click axes to expand details. Marker shows current allocation.

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Growth

34th percentile vs peers
34
Key Signals
Asset Growth YoY 2.6% 38p Rev Growth YoY 33.3% 29p Revenue CAGR 3Y 15.4% 36p
Strengths

No notable strengths identified for this axis.

Risks
  • Growth below peer median (percentile: 34)

Profitability

68th percentile vs peers
68
Key Signals
Strengths
Risks
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Safety

64th percentile vs peers
64
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for M&T Bank Corporation.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$177.36
- - -
-9.6% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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