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M&T BANK CORP

Data quality: 100%
Also listed as MTB-PK NYSE
MTB-PH
NYSE Financial Services Depository Institutions
$24.90
▲ $0.04 (0.16%)
Mkt Cap: 3.95 B
Price
$24.90
Mkt Cap
3.95 B
Day Range
$24.81 — $24.90
52-Week Range
$23.23 — $25.71
Volume
15,900
Open $24.88
50D / 200D Avg
$25.02
0.49% below
50D / 200D Avg
$24.93
0.12% below

Quick Summary

Key Takeaways

Revenue declined -27.48% annually over 5 years
Net margin of 172.06% shows strong profitability
Generating 3.00 B in free cash flow
P/E of 1.39 — trading at a low valuation
PEG of 0.12 suggests growth is underpriced
Revenue growth is accelerating — 1Y growth exceeds 5Y average by 35.01%

Growth

Revenue Growth (5Y)
-27.48%
Below sector avg (5.83%)
Revenue (1Y)7.53%
Earnings (1Y)10.16%
FCF Growth (3Y)-12.31%

Quality

Return on Equity
9.96%
Above sector avg (9.24%)
ROICN/A
Net Margin172.06%
Op. MarginN/A

Safety

Debt / Equity
0.52
Above sector avg (0.49)
Current RatioN/A
Interest CoverageN/A

Valuation

PE (TTM)
1.39
Below sector avg (11.15)
P/B Ratio0.14
EV/EBITDAN/A
Dividend YieldN/A

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (2153 peers)
Metric Stock Sector Median
P/E 1.4 11.1
P/B 0.1 1.2
ROE % 10.0 9.2
Net Margin % 172.1 9.4
Rev Growth 5Y % -27.5 5.8
D/E 0.5 0.5

All Fundamental Metrics
Growth
Revenue Growth (1Y) 7.53% Revenue Growth (3Y) -58.55%
Earnings Growth (1Y) 10.16% Earnings Growth (3Y) 1.99%
Revenue Growth (5Y) -27.48% Earnings Growth (5Y) 11.29%
Profitability
Revenue (TTM) 1.66 B Net Income (TTM) 2.85 B
ROE 9.96% ROA 1.35%
Gross Margin N/A Operating Margin N/A
Net Margin 172.06% Free Cash Flow (TTM) 3.00 B
ROIC N/A FCF Growth (3Y) -12.31%
Safety
Debt / Equity 0.52 Current Ratio N/A
Interest Coverage N/A Asset Turnover 0.01
Working Capital N/A Tangible Book Value 20.19 B
Dividends
Dividend Yield N/A Payout Ratio N/A
Dividend Growth (3Y) N/A Dividend Growth (5Y) N/A
Consecutive Div Years N/A
Valuation
P/E Ratio 1.39 Forward P/E N/A
P/B Ratio 0.14 P/S Ratio 2.39
PEG Ratio 0.12 Forward PEG N/A
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S N/A Fwd Earnings Yield N/A
FCF Yield 75.95%
Market Cap 3.95 B Enterprise Value 18.94 B
Per Share
EPS (Diluted TTM) 17.00 Revenue / Share 10.44
FCF / Share 18.91 OCF / Share 18.91
EPS CAGR (1Y) 16.12% EPS CAGR (5Y) 5.35%
EPS CAGR (10Y) 9.07%
Efficiency
CapEx / Revenue N/A FCF Conversion 105.33%
SBC-Adj. FCF N/A Growth Momentum 35.01

Income Statement

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 1.66 B 1.54 B 9.64 B 8.18 B 5.99 B
Net Income 2.85 B 2.59 B 2.74 B 1.99 B 1.86 B
EPS (Diluted) 17.00 14.64 15.79 11.53 13.80
Gross Profit — — — — —
Operating Income — — — — —
EBITDA — — — — —
R&D Expenses — — — — —
SG&A Expenses — — — — —
D&A 323.00 M 316.00 M — — —
Interest Expense 6.95 B 6.85 B 3.11 B 425.16 M 114.01 M
Income Tax 841.00 M 722.00 M 878.00 M 619.46 M 596.40 M

Balance Sheet

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 213.51 B 208.11 B 208.26 B 200.73 B 155.11 B
Total Liabilities 184.33 B 179.08 B 181.31 B 175.41 B 137.20 B
Shareholders' Equity 29.18 B 29.03 B 26.96 B 25.32 B 17.90 B
Total Debt 13.06 B 13.67 B 13.52 B 7.52 B 3.53 B
Cash & Equivalents — — — — —
Current Assets — — — — —
Current Liabilities — — — — —