M&T Bank Corporation (MTB)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 5,955 | 5,962 | 8,013 | 9,398 | 9,231 | 8,771 | 9,042 | - |
| Operating profit | $m | 3,692 | 4,126 | ||||||
| Net profit | $m | 1,353 | 1,859 | 1,992 | 2,741 | 2,588 | 2,851 | 3,033 | 3,035 |
| EPS reported | $ | 17.00 | 18.96 | ||||||
| Operating cashflow per share | $ | 19.18 | 23.29 | ||||||
| Capex per share | $ | 0.91 | 0.75 | ||||||
| FCF per share | $ | 18.27 | 22.55 | ||||||
| Free cash flow | $m | 2,860 | 3,682 | ||||||
| Net debt | $m | -42,358 | 16,243 | ||||||
| Book value equity | $m | 29,177 | 27,946 | ||||||
| Book value per share | $ | 186.4 | 178.5 | ||||||
| Number of shares | m | 156.55 | 156.55 | ||||||
| DPS (TTM paid) | $ | 5.70 | 6.00 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 11.85 | 11.67 | ||||||
| P/B LTM | x | 1.08 | 1.13 | ||||||
| P/S LTM | x | 3.60 | 3.49 | ||||||
| P/FCF LTM | x | 11.03 | 8.57 | ||||||
| EV/EBITDA LTM | x | 6.53 | 5.93 | ||||||
| EV/Sales LTM | x | 2.10 | 4.27 | ||||||
| Earnings Yield LTM | % | +8.44% | +8.57% | ||||||
| FCF Yield | % | +9.07% | +11.67% | ||||||
| Quality | |||||||||
| ROE | % | +9.77% | +10.66% | ||||||
| ROIC | % | +6.75% | +1.46% | ||||||
| Operating margin | % | +29.99% | +33.19% | ||||||
| Gross margin | % | +74.62% | +76.03% | ||||||
| FCF/Sales | % | +23.24% | +29.62% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +16.12% | +29.51% | ||||||
| Sales Growth YoY | % | -4.98% | -2.05% | ||||||
| Net Income Growth YoY | % | +10.16% | +17.19% | ||||||
| FCF Growth | % | -15.73% | +8.49% | ||||||
| Operating Profit Growth | % | +11.54% | +24.65% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +3.31% | +2.36% | ||||||
| Dividend Growth | % | +6.54% | +12.15% | ||||||
| Payout Ratio | % | +39.27% | +35.95% | ||||||
| FCF/Debt | x | 0.22 | 0.20 | ||||||
| Net Debt/EBITDA | x | -1.44 | 3.73 | ||||||
| EBIT/Net interest | x | 1.04 | 1.22 | ||||||
| Net debt/market cap | % | +41.40% | +49.37% | ||||||
| Net debt/Equity | x | -1.45 | 0.58 | ||||||
| Gross debt/equity | x | 0.45 | 0.65 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
M&T Bank Corporation functions as a bank holding entity, delivering a broad spectrum of financial solutions to both commercial enterprises and individual consumers. Its Business Banking division caters to small businesses and professionals, providing essential services such as deposit accounts, credit facilities, and treasury management solutions. The Commercial Banking arm extends its reach to middle-market and large corporate clients, supplying a robust suite of offerings including deposit products, commercial loans and leases, letters of credit, and sophisticated cash management tools. Dedicated to Commercial Real Estate, the company engages in the origination, sale, and servicing of commercial property loans, alongside offering deposit services tailored for this sector. The Discretionary Portfolio segment focuses on internal financial management, overseeing deposits, investment securities, residential real estate loans, and other assets, while also managing short- and long-term borrowed funds and foreign exchange operations. Through its Residential Mortgage Banking segment, M&T originates home loans for consumers, subsequently selling these loans in the secondary market. It also acquires servicing rights for loans initially originated by other institutions. The Retail Banking segment serves individual customers with a diverse array of financial products, including demand, savings, and time deposit accounts; various consumer installment loans such as automobile and recreational vehicle financing; home equity loans and lines of credit; credit cards; and investment vehicles like mutual funds and annuities. Beyond these, M&T Bank offers specialized financial services encompassing trust and wealth management, fiduciary and custodial services, insurance brokerage, institutional securities services, and investment management. Customers can access these services through an extensive network of physical banking offices, dedicated business banking centers, as well as via telephone, online platforms, and automated teller machines (ATMs). As of December 31, 2021, the corporation maintained 688 domestic banking locations across New York, Maryland, New Jersey, Pennsylvania, Delaware, Connecticut, Virginia, West Virginia, and the District of Columbia. Additionally, it operates a full-service commercial banking office in Ontario, Canada. M&T Bank Corporation, established in 1856, has its corporate headquarters situated in Buffalo, New York.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
M&T Bank Corporation (MTB)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
M&T Bank Corporation functions as a bank holding entity, delivering a broad spectrum of financial solutions to both commercial enterprises and individual consumers. Its Business Banking division caters to small businesses and professionals, providing essential services such as deposit accounts, credit facilities, and treasury management solutions. The Commercial Banking arm extends its reach to middle-market and large corporate clients, supplying a robust suite of offerings including deposit products, commercial loans and leases, letters of credit, and sophisticated cash management tools. Dedicated to Commercial Real Estate, the company engages in the origination, sale, and servicing of commercial property loans, alongside offering deposit services tailored for this sector. The Discretionary Portfolio segment focuses on internal financial management, overseeing deposits, investment securities, residential real estate loans, and other assets, while also managing short- and long-term borrowed funds and foreign exchange operations. Through its Residential Mortgage Banking segment, M&T originates home loans for consumers, subsequently selling these loans in the secondary market. It also acquires servicing rights for loans initially originated by other institutions. The Retail Banking segment serves individual customers with a diverse array of financial products, including demand, savings, and time deposit accounts; various consumer installment loans such as automobile and recreational vehicle financing; home equity loans and lines of credit; credit cards; and investment vehicles like mutual funds and annuities. Beyond these, M&T Bank offers specialized financial services encompassing trust and wealth management, fiduciary and custodial services, insurance brokerage, institutional securities services, and investment management. Customers can access these services through an extensive network of physical banking offices, dedicated business banking centers, as well as via telephone, online platforms, and automated teller machines (ATMs). As of December 31, 2021, the corporation maintained 688 domestic banking locations across New York, Maryland, New Jersey, Pennsylvania, Delaware, Connecticut, Virginia, West Virginia, and the District of Columbia. Additionally, it operates a full-service commercial banking office in Ontario, Canada. M&T Bank Corporation, established in 1856, has its corporate headquarters situated in Buffalo, New York.
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