M&T Bank Corp (MTB)
Valor JustoFundamental
70
Preço
$214.59
Capitalização de Mercado
$31.95B
Parte 1 · Quanto vale a empresa
Visão Geral
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 setembro 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.
Balanço & Liquidez
Receita
$9.96B
Últimos 12 meses (até 30/06/2026)
Resultado Líquido
$3.03B
Últimos 12 meses (até 30/06/2026)
Fluxo de Caixa Livre
-
Capital Próprio Total
$29.18B
Passivo Total
$184.33B
Rácio de Liquidez
-
Cobertura de Juros
0.55
Dívida/EBITDA
-
Resultados Por Ação
Receita & Resultado Líquido
Fluxo de Caixa Livre
Decomposição dos Resultados
Demonstração histórica
Margens ao longo do tempo
A dívida ao longo do tempo
Grelha do crescimento
Crescimento — Receitas
Estimativa de Valor Justo
Valor Justo
$255.37
Preço Atual
$214.59
Margem de Segurança
+16.0%
Intervalo de Valor Justo
$200.47 - $310.28
Dispersão entre os métodos de avaliação utilizados, não um intervalo de confiança calibrado estatisticamente.
Métodos de Estimativa
Métricas de Avaliação
Rácio P/E
11.52
ROE
9.8%
Rácio P/B
1.12
P/FCF
-
Margem Bruta
-
ROIC
-
Radar de Rentabilidade
Criação de Valor (Vantagem Competitiva)
ROIC
-
WACC
10.6%
ROIC − WACC
-
Critérios de Análise Fundamental
Aprovado (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
Reprovado (6)
- Price CAGR 4.37%
- Debt/Equity ratio
- Interest Coverage
- Return on Tangible Assets
- DCF valuation (Fairly valued)
- Analyst Consensus 33% Buy
Indisponível (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
Sinais mistos: algumas áreas requerem atenção
Qualidade dos Resultados
Alta qualidade: resultados respaldados por caixa
Diluição de Ações
A recomprar ações. Favorável ao acionista
Participações institucionais
Governação
Equipa Executiva
| Nome | Cargo | Idade |
|---|---|---|
| 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 |
Risco de Auditoria
6
Risco do Conselho
9
Risco de Remuneração
4
Risco dos Direitos dos Acionistas
6
Parte 2 · O preço e o momento de entrar
Esta parte não serve para saber se a empresa vale: serve para escolher quando comprá-la, depois que os fundamentos te convenceram. Dentro: análise técnica, potencial, quedas históricas, exposição gama.
Documentos
- Ver documento
Relatório anual (10-K)
Uma visão anual do negócio, dos resultados financeiros e dos riscos da empresa.
Arquivado em 2026-02-18
- Ver documento
Relatório trimestral (10-Q)
Uma atualização sobre o desempenho financeiro dos últimos três meses.
Arquivado em 2026-08-04
- Ver documento
Relatório de fato relevante (8-K)
Um aviso sobre um fato relevante, como uma mudança na liderança ou um grande anúncio.
Arquivado em 2026-09-28
via SEC EDGAR
Histórico 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