M&T Bank Corp (MTB)
Valor JustoFundamental
70
Precio
$214.59
Capitalización Bursátil
$31.95B
Parte 1 · Cuánto vale la empresa
Resumen
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.
No editorial profile for this company yet
Direct competitors
Who this company fights with for the same customers
Generated on 19 de septiembre de 2026 with claude-haiku-4-5 — shared with all users
The closest overlap with M&T: a similarly sized regional bank with branches across New England, New York and the Mid-Atlantic, competing branch by branch for retail deposits, mortgages and middle-market commercial lending.
A larger super-regional that covers the same Mid-Atlantic markets — Pennsylvania, Maryland, Delaware, Washington D.C. — and bids for the same corporate and commercial real estate clients.
Competes head-on in upstate New York, M&T's home market, for retail and small-business deposits as well as commercial lending, and sits in M&T's own disclosed banking peer group.
A regional bank of comparable scale with a strong small-business and commercial franchise that now pushes into M&T's northeastern markets, and a member of the same disclosed peer group.
Overlaps with M&T along the Virginia–Maryland–Washington D.C. corridor, competing for the same retail branch customers and commercial banking relationships.
A peer-sized regional bank offering the same mix of retail, commercial and wealth services to middle-market companies and affluent households, and a benchmark competitor in M&T's stated peer group.
Balance y Liquidez
Ingresos
$9.96B
Últimos 12 meses (hasta 30/6/2026)
Beneficio Neto
$3.03B
Últimos 12 meses (hasta 30/6/2026)
Flujo de Caja Libre
-
Patrimonio Neto Total
$29.18B
Pasivo Total
$184.33B
Ratio de Liquidez
-
Cobertura de Intereses
0.55
Deuda/EBITDA
-
Beneficio Por Acción
Ingresos y Beneficio Neto
Flujo de Caja Libre
Desglose de Ingresos
Estado histórico
Márgenes en el tiempo
La deuda en el tiempo
Cuadro de crecimiento
Crecimiento — Ingresos
Estimación de Valor Justo
Valor Justo
$255.37
Precio Actual
$214.59
Margen de Seguridad
+16.0%
Rango de Valor Justo
$200.47 - $310.28
Dispersión entre los métodos de valoración utilizados, no un intervalo de confianza calibrado estadísticamente.
Métodos de Estimación
Métricas de Valoración
Ratio P/E
11.52
ROE
9.8%
Ratio P/B
1.12
P/FCF
-
Margen Bruto
-
ROIC
-
Radar de Rentabilidad
Creación de Valor (Ventaja Competitiva)
ROIC
-
WACC
10.6%
ROIC − WACC
-
Criterios de Análisis Fundamental
Superado (14)
- EPS shows upward trend
- EPS CAGR 6.01%
- P/B Ratio 1.12
- Operating Margin 39.4%
- Low reliance on intangibles
- Price below Graham Number
- ROE 10.7%
- Revenue Growth 5Y 8.4%
- Earnings Surprise avg 6.6%
- PEG Ratio 0.93
- Earnings Quality (OCF/NI) 1.25
- Share Dilution -5.1%
- Net Margin Trend 30.4% vs 28.7%
- Piotroski F-Score 6/9
Fallido (6)
- Price CAGR 4.37%
- Debt/Equity ratio
- Interest Coverage
- Return on Tangible Assets
- DCF valuation (Fairly valued)
- Analyst Consensus 33% Buy
No disponible (8)
- ROIC NaN%
- Gross Margin NaN%
- P/FCF NaN
- Dividend Payout NaN%
- Positive Free Cash Flow
- CapEx intensity
- Current Ratio
- Debt/EBITDA
Piotroski F-Score
Señales mixtas: algunas áreas requieren atención
Calidad de los Beneficios
Alta calidad: beneficios respaldados por efectivo
Dilución de Acciones
Recomprando acciones. Favorable para el accionista
Participaciones institucionales
Gobernanza
Equipo Directivo
| Nombre | Cargo | Edad |
|---|---|---|
| Mr. Rene F. Jones CPA | Chairman & CEO | 60 |
| Mr. Daryl N. Bible C.F.A. | Senior EVP & CFO | 64 |
| Mr. Peter G. D'Arcy | Senior EVP & Head of Commercial Banking | 51 |
| Mr. Christopher E. Kay J.D. | Senior EVP & Head of Enterprise Platforms | 60 |
| Mr. Michael A. Wisler | Senior Executive VP & Chief Technology and Operations Officer | 49 |
| Mr. Anthony Michael Roth J.D. | Chief Investment Officer | - |
| Hugh Giorgio | Head of Investment Banking | - |
| Ms. Tracy S. Woodrow | Senior EVP, Regional President for Western New York & Chief Administrative Officer | 51 |
| Mr. Rajiv Ranjan | Head of Investor Relations & Corporate Development | - |
| Ms. Laura P. O'Hara J.D. | Senior EVP & Chief Legal Officer | 65 |
Riesgo de Auditoría
6
Riesgo del Consejo
9
Riesgo de Compensación
4
Riesgo de Derechos del Accionista
6
Parte 2 · El precio y el momento de entrar
Esta parte no sirve para saber si la empresa vale: sirve para elegir cuándo comprarla, una vez que los fundamentales te han convencido. Dentro: análisis técnico, potencial, caídas históricas, exposición gamma.
Documentos
- Ver documento
Informe anual (10-K)
Un resumen anual del negocio, los resultados financieros y los riesgos de la empresa.
Presentado el 2026-02-18
- Ver documento
Informe trimestral (10-Q)
Una actualización del desempeño financiero de los últimos tres meses.
Presentado el 2026-08-04
- Ver documento
Informe de hecho relevante (8-K)
Un aviso sobre un hecho relevante, como un cambio de dirección o un anuncio importante.
Presentado el 2026-09-28
via SEC EDGAR
Historial de Resultados
via SEC EDGAR
Latest News
Recent headlines for MTB, sourced from Markets Gazette.
- 4/13/2026NEUTRALTop Wall Street Forecasters Revamp M&T Bank Expectations Ahead Of Q1 Earnings
M&T Bank Corp (MTB) is set to report its first-quarter earnings on April 15th, with analysts projecting an Earnings Per Share (EPS) of $4.00 and revenue of $2.42 billion. The company recently announced a significant $5 billion share buyback program, which typically signals management's confidence in the company's financial health and can be a positive catalyst for the stock. However, recent analyst ratings show a mixed sentiment, with firms like Wells Fargo and Morgan Stanley maintaining 'Equal-Weight' ratings, while Piper Sandler upgraded its rating to 'Overweight' in January 2022. This divergence in analyst views suggests uncertainty about the bank's immediate prospects.
via Markets Gazette