M&T Bank Corp (MTB)
Juste valeurFondamental
70
Prix
$217.60
Capitalisation boursière
$31.95B
Partie 1 · Ce que vaut l'entreprise
Vue d'ensemble
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 septembre 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.
Bilan & Liquidités
Chiffre d'affaires
$9.96B
12 derniers mois (au 30/06/2026)
Résultat net
$3.03B
12 derniers mois (au 30/06/2026)
Flux de trésorerie libre
-
Capitaux propres totaux
$29.18B
Passif total
$184.33B
Ratio de liquidité général
-
Couverture des intérêts
0.55
Dette/EBITDA
-
Bénéfice par action
Chiffre d'affaires & Résultat net
Flux de trésorerie libre
Décomposition du résultat
État historique
Marges dans le temps
La dette dans le temps
Grille de la croissance
Croissance — Chiffre d'affaires
Estimation de la juste valeur
Juste valeur
$255.37
Prix actuel
$217.60
Marge de sécurité
+14.8%
Fourchette de juste valeur
$200.47 - $310.28
Écart entre les méthodes de valorisation utilisées, pas un intervalle de confiance calibré statistiquement.
Méthodes d'estimation
Indicateurs de valorisation
Ratio P/E
11.52
ROE
9.8%
Ratio P/B
1.12
P/FCF
-
Marge brute
-
ROIC
-
Radar de rentabilité
Création de valeur (avantage concurrentiel)
ROIC
-
WACC
10.6%
ROIC − WACC
-
Critères d'analyse fondamentale
Réussi (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
Échoué (6)
- Price CAGR 4.37%
- Debt/Equity ratio
- Interest Coverage
- Return on Tangible Assets
- DCF valuation (Fairly valued)
- Analyst Consensus 33% Buy
Indisponible (8)
- ROIC NaN%
- Gross Margin NaN%
- P/FCF NaN
- Dividend Payout NaN%
- Positive Free Cash Flow
- CapEx intensity
- Current Ratio
- Debt/EBITDA
Score F de Piotroski
Signaux mixtes : certains domaines nécessitent attention
Qualité des bénéfices
Qualité élevée : bénéfices soutenus par la trésorerie
Dilution du capital
Rachat d'actions. Favorable aux actionnaires
Participations institutionnelles
Gouvernance
Équipe dirigeante
| Nom | Titre | Âge |
|---|---|---|
| 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 |
Risque d'audit
6
Risque du conseil
9
Risque de rémunération
4
Risque droits des actionnaires
6
Partie 2 · Le prix et le moment d'entrer
Cette partie ne dit pas si l'entreprise vaut la peine : elle aide à choisir quand l'acheter, une fois que les fondamentaux vous ont convaincu. À l'intérieur : analyse technique, potentiel, baisses historiques, exposition gamma.
Documents
- Voir le document
Rapport annuel (10-K)
Un aperçu annuel de l'activité, des résultats financiers et des risques de l'entreprise.
Déposé le 2026-02-18
- Voir le document
Rapport trimestriel (10-Q)
Une mise à jour de la performance financière des trois derniers mois.
Déposé le 2026-08-04
- Voir le document
Rapport d'événement important (8-K)
Un avis concernant un événement important, comme un changement de direction ou une annonce majeure.
Déposé le 2026-09-28
via SEC EDGAR
Historique des résultats
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