M&T Bank Corporation
MTB Financial Services Banks - Regional NYSE
$195.11
$-0.46 (-0.24%)
Open: $194.45 | High: $196.48 | Low: $194.40 | Prev Close: $195.57
Market Cap: $29.99B
Volume: 536K | Avg: 1.1M
Last updated: December 05, 2025 at 10:05 PMInvestment Rating
Neutral
Overall Score: 60/100
Rating Breakdown:
Stock Score Analysis
Stock Score: 530
Comprehensive Quality Assessment
Component Breakdown:
Valuation Metrics
| P/E Ratio | 12.05 |
| P/B Ratio | 1.11 |
| P/S Ratio | 2.43 |
| EPS | $16.19 |
| Beta | 0.60 |
| Shares Outstanding | 153.69M |
| 52-Week High | $214.48 |
| 52-Week Low | $150.75 |
| SMA 50 | $187.15 |
| SMA 200 | $185.68 |
| Dividend Yield | 2.92% |
| Annual Dividend | $5.70 |
| Next Earnings | January 16, 2026 01:30 PM ET |
Financial Ratios
| Gross Margin | 73.5% |
| Operating Margin | 29.3% |
| Net Margin | 22.5% |
| ROE | 9.6% |
| ROA | 1.3% |
| Debt/Equity | 0.52 |
| Current Ratio | 0.23 |
| Quick Ratio | 0.23 |
Balance Sheet
| Total Assets | $208.10B |
| Total Liabilities | $179.08B |
| Total Equity | $29.03B |
| Cash | $20.78B |
| Total Debt | $13.66B |
| Net Debt | $-7,117,000,000 |
Income Statement
| Revenue | $13.40B |
| Gross Profit | $8.62B |
| Operating Income | $3.31B |
| Net Income | $2.59B |
| EBITDA | $3.82B |
| Revenue/Share | $75.43 |
Cash Flow
| Operating CF | $3.61B |
| CapEx | $216.00M |
| Free Cash Flow | $3.39B |
| Book Value/Share | $175.92 |
| Tangible Book/Share | $123.63 |
| Equity/Share | $175.92 |
Technical Indicators
| RSI (14) | 67.76 Neutral |
| MACD |
2.05
Signal: 0.87
|
| Volatility | 20.42% |
| Trading Signal | Bullish |
Performance & Returns
| 1 Year | -2.07% |
| Sharpe Ratio | -0.07 Poor |
| Volatility (Ann.) | 27.27% Moderate |
| MTB (1Y) | -2.07% |
| S&P 500 (1Y) | +11.86% |
| Alpha (Excess Return) | -13.93% |
Sector Comparison (Financial Services)
| Metric | MTB | Sector Avg | Percentile |
|---|---|---|---|
| P/E Ratio | 12.05 | 48.29 | 10% |
| P/B Ratio | 1.11 | 3.96 | 16% |
| ROE (%) | 9.62% | 18.50% | 22% |
| Net Margin (%) | 22.51% | 18.48% | 80% |
| Stock Score | 530 | 407.0 | 81% |
| 1Y Return (%) | -2.07% | +6.28% | 16% |
Historical Price Analysis (Last 200 Days)
Technical Analysis
| Ticker | Close | SMA 5 | SMA 8 | SMA 13 | SMA 50 | SMA 200 | RSI (14) | MACD | Volatility (%) | Volume | Signal | SMA Decision |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| MTB | $195.11 | $192.52 | $191.50 | $188.40 | $187.15 | $185.68 | 67.76 | 2.05 | 20.42% | 594998 | Strong Long | Bullish Stack |
Candlestick Patterns
There wasn't any recognizable pattern for the MTB stock
News Sentiment
| 📊 Ticker | 📰 Headline | 💭 Sentiment | 📡 Source | 🔗 URL |
|---|---|---|---|---|
| MTB | FITB vs. MTB: Which Regional Bank Stock Looks More Attractive Now? | Neutral | zacks.com | Read More |
| MTB | M&T Charitable Foundation Commits $600,000 to Food Banks Across Its Footprint, Launches Employee and Community Giving Campaign to Combat Hunger | Neutral | prnewswire.com | Read More |
| MTB | Datavault AI Turns Raw Earth into Digital Power in $7 Million Deal with MTB Mining Ltd. | Neutral | globenewswire.com | Read More |
| MTB | Datavault AI Turns Raw Earth into Digital Power in $7 Million Deal with MTB Mining Ltd. | Neutral | globenewswire.com | Read More |
| MTB | M&T Bank Corporation to Participate in the Goldman Sachs Financial Services Conference | Neutral | prnewswire.com | Read More |
Company Information
M&T Bank Corporation operates as a bank holding company that provides commercial and retail banking services. The company's Business Banking segment offers deposit, lending, cash management, and other financial services to small businesses and professionals. Its Commercial Banking segment provides deposit products, commercial lending and leasing, letters of credit, and cash management services for middle-market and large commercial customers. The company's Commercial Real Estate segment originates, sells, and services commercial real estate loans; and offers deposit services. Its Discretionary Portfolio segment provides deposits; securities, residential real estate loans, and other assets; and short and long term borrowed funds, as well as foreign exchange services. The company's Residential Mortgage Banking segment offers residential real estate loans for consumers and sells those loans in the secondary market; and purchases servicing rights to loans originated by other entities. Its Retail Banking segment offers demand, savings, and time accounts; consumer installment loans, automobile and recreational finance loans, home equity loans and lines of credit, and credit cards; mutual funds and annuities; and other services. The company also provides trust and wealth management; fiduciary and custodial; insurance agency; institutional brokerage and securities; and investment management services. It offers its services through banking offices, business banking centers, telephone and internet banking, and automated teller machines. As of December 31, 2021, the company operates 688 domestic banking offices in New York State, Maryland, New Jersey, Pennsylvania, Delaware, Connecticut, Virginia, West Virginia, and the District of Columbia; and a full-service commercial banking office in Ontario, Canada. M&T Bank Corporation was founded in 1856 and is headquartered in Buffalo, New York.
| CEO | Rene F. Jones |
| Employees | 22291 |
| Country | US |
| IPO Date | 1980-03-17 |
| Exchange | NYSE |
| Website | https://www3.mtb.com |
| Sector | Financial Services |
| Industry | Banks - Regional |
Similar Stocks (Financial Services - Banks - Regional)
Rating Metrics Explained
DCF Score (Discounted Cash Flow)
Measures the intrinsic value of the stock based on projected future cash flows. A higher score indicates the stock is undervalued relative to its DCF valuation.
ROE Score (Return on Equity)
Evaluates how efficiently a company generates profit from shareholders' equity. Higher ROE indicates better profitability and management effectiveness.
ROA Score (Return on Assets)
Measures how efficiently a company uses its assets to generate profit. A higher ROA means better asset utilization and operational efficiency.
D/E Score (Debt-to-Equity)
Assesses the company's financial leverage and risk. Lower debt-to-equity ratios indicate less financial risk and better balance sheet health.
P/E Score (Price-to-Earnings)
Compares stock price to earnings per share. A lower P/E ratio may indicate the stock is undervalued, while a higher ratio could suggest overvaluation or growth expectations.
P/B Score (Price-to-Book)
Compares market price to book value per share. Lower P/B ratios may indicate undervaluation relative to the company's net asset value.
Rating Recommendations:
Each metric is scored on a scale of 1-5, where the scores are determined by comparing the company's performance against industry benchmarks and historical data:
-
Strong Buy (5/5): Excellent score - strong positive indicator
- The metric significantly outperforms industry averages (top 20% of companies)
- Indicates exceptional financial health or attractive valuation in that category
-
Buy (4/5): Good score - positive indicator
- Above-average performance (top 40% of companies)
- Shows strong fundamentals with room for improvement
-
Neutral (3/5): Average score - neutral indicator
- Performance in line with industry median (middle 20%)
- Neither significantly positive nor negative signal
-
Sell (2/5): Below average - negative indicator
- Below-average performance (bottom 40% of companies)
- Suggests weakness in this particular metric
-
Strong Sell (1/5): Poor score - strong negative indicator
- Significantly underperforms industry (bottom 20%)
- Indicates potential risk or overvaluation in that category