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M&T Bank Corporation MTB-PJ

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Price alert · MTB-PJ

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25.24 USD -0.10 (-0.39%)

At closeNov 6, 2026, 5:27 PM EST

24.83 -0.41 -1.64%

After hours · Nov 6, 5:27 PM ET

25.17 Day range 25.51
24.90 52-week range 26.98
YTD
-4.93%
1 year
-5.54%

Financial health

Altman Z-Score

0.40 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

8 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

Rating

A+5 / 5 overall

  • DCF 5
  • Return on Equity 3
  • Return on Assets 4
  • Debt / Equity 3
  • P/E 5
  • P/B 5

Valuation

P/E 11.9×
FY 2016: 20.1×FY 2017: 19.6×FY 2018: 11.2×FY 2019: 12.3×FY 2020: 12.8×FY 2021: 11.1×FY 2022: 12.5×FY 2023: 8.6×FY 2024: 12.8×FY 2025: 11.9×
FY 2016 5y median 11.9× FY 2025
P/S 2.6×
FY 2016: 4.3×FY 2017: 4.3×FY 2018: 3.1×FY 2019: 3.3×FY 2020: 2.6×FY 2021: 3.3×FY 2022: 2.8×FY 2023: 1.8×FY 2024: 2.3×FY 2025: 2.6×
FY 2016 5y median 2.6× FY 2025
P/B 1.1×
FY 2016: 1.5×FY 2017: 1.6×FY 2018: 1.3×FY 2019: 1.5×FY 2020: 1.0×FY 2021: 1.1×FY 2022: 0.9×FY 2023: 0.8×FY 2024: 1.1×FY 2025: 1.1×
FY 2016 5y median 1.1× FY 2025
P/FCF 11.0×
FY 2016: 22.8×FY 2017: 9.6×FY 2018: 10.0×FY 2019: 10.5×FY 2020: 26.6×FY 2021: 7.7×FY 2022: 5.4×FY 2023: 6.2×FY 2024: 9.2×FY 2025: 11.0×
FY 2016 5y median 7.7× FY 2025
EV/EBITDA 6.2×
FY 2016: 12.4×FY 2017: 11.1×FY 2018: 8.5×FY 2019: 7.5×FY 2020: -2.1×FY 2021: -7.2×FY 2022: 1.5×FY 2023: 1.6×FY 2024: 6.3×FY 2025: 6.2×
FY 2016 5y median 1.6× FY 2025
EV/Sales 2.1×
FY 2016: 4.9×FY 2017: 4.7×FY 2018: 3.6×FY 2019: 3.1×FY 2020: -0.7×FY 2021: -3.3×FY 2022: 0.6×FY 2023: 0.5×FY 2024: 1.8×FY 2025: 2.1×
FY 2016 5y median 0.6× FY 2025
FCF Yield 9.1%
FY 2016: 4.4%FY 2017: 10.4%FY 2018: 10.0%FY 2019: 9.6%FY 2020: 3.8%FY 2021: 13.0%FY 2022: 18.4%FY 2023: 16.0%FY 2024: 10.8%FY 2025: 9.1%
FY 2016 5y median 13.0% FY 2025

Profitability

Gross Margin 74.6%
FY 2016: 89.2%FY 2017: 90.8%FY 2018: 89.8%FY 2019: 86.7%FY 2020: 82.1%FY 2021: 99.4%FY 2022: 88.8%FY 2023: 70.0%FY 2024: 64.3%FY 2025: 74.6%
FY 2016 5y median 74.6% FY 2025
Operating Margin 30.0%
FY 2016: 36.0%FY 2017: 38.6%FY 2018: 38.9%FY 2019: 36.7%FY 2020: 28.2%FY 2021: 40.4%FY 2022: 31.0%FY 2023: 28.9%FY 2024: 24.7%FY 2025: 30.0%
FY 2016 5y median 30.0% FY 2025
Net Margin 23.2%
FY 2016: 23.0%FY 2017: 23.4%FY 2018: 29.7%FY 2019: 27.8%FY 2020: 21.5%FY 2021: 30.6%FY 2022: 23.6%FY 2023: 21.9%FY 2024: 19.3%FY 2025: 23.2%
FY 2016 5y median 23.2% FY 2025
ROE 9.8%
FY 2016: 8.0%FY 2017: 8.7%FY 2018: 12.4%FY 2019: 12.3%FY 2020: 8.4%FY 2021: 10.4%FY 2022: 7.9%FY 2023: 10.2%FY 2024: 8.9%FY 2025: 9.8%
FY 2016 5y median 9.8% FY 2025
ROIC 6.8%
FY 2016: 5.1%FY 2017: 5.8%FY 2018: 6.8%FY 2019: 8.7%FY 2020: 6.6%FY 2021: 8.7%FY 2022: 6.1%FY 2023: 6.8%FY 2024: 5.5%FY 2025: 6.8%
FY 2016 5y median 6.8% FY 2025
ROA 1.3%
FY 2016: 1.1%FY 2017: 1.2%FY 2018: 1.6%FY 2019: 1.6%FY 2020: 0.9%FY 2021: 1.2%FY 2022: 1.0%FY 2023: 1.3%FY 2024: 1.2%FY 2025: 1.3%
FY 2016 5y median 1.2% FY 2025

Growth (YoY)

Revenue -8.2%
FY 2016: 14.5%FY 2017: 5.2%FY 2018: 7.2%FY 2019: 7.5%FY 2020: -9.5%FY 2021: -3.3%FY 2022: 38.9%FY 2023: 48.2%FY 2024: 7.2%FY 2025: -8.2%
FY 2016 FY 2025
Operating Income 11.5%
FY 2016: 22.9%FY 2017: 12.9%FY 2018: 7.9%FY 2019: 1.6%FY 2020: -30.5%FY 2021: 38.7%FY 2022: 6.4%FY 2023: 38.6%FY 2024: -8.5%FY 2025: 11.5%
FY 2016 FY 2025
EPS (diluted) 16.1%
FY 2016: 8.4%FY 2017: 11.8%FY 2018: 46.4%FY 2019: 7.9%FY 2020: -27.7%FY 2021: 38.8%FY 2022: -16.4%FY 2023: 36.9%FY 2024: -7.3%FY 2025: 16.1%
FY 2016 FY 2025
Free Cash Flow -15.7%
FY 2016: -35.2%FY 2017: 151.3%FY 2018: -26.3%FY 2019: 9.4%FY 2020: -71.7%FY 2021: 315.9%FY 2022: 69.9%FY 2023: -16.3%FY 2024: -7.0%FY 2025: -15.7%
FY 2016 FY 2025

Financial Health

Current Ratio 0.3×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.3×FY 2021: 0.4×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.3×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 0.3×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.3×FY 2021: 0.4×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.3×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.4×
FY 2016: 0.6×FY 2017: 0.5×FY 2018: 0.8×FY 2019: 0.4×FY 2020: 0.3×FY 2021: 0.2×FY 2022: 0.3×FY 2023: 0.5×FY 2024: 0.5×FY 2025: 0.4×
FY 2016 5y median 0.4× FY 2025
Net Debt / EBITDA -1.4×
FY 2016: 1.5×FY 2017: 0.8×FY 2018: 1.2×FY 2019: -0.6×FY 2020: -9.9×FY 2021: -14.3×FY 2022: -6.2×FY 2023: -4.0×FY 2024: -1.9×FY 2025: -1.4×
FY 2016 5y median -4.0× FY 2025
Interest Coverage 1.0×
FY 2016: 4.8×FY 2017: 6.0×FY 2018: 4.8×FY 2019: 3.4×FY 2020: 5.4×FY 2021: 21.5×FY 2022: 6.1×FY 2023: 1.2×FY 2024: 0.8×FY 2025: 1.0×
FY 2016 5y median 1.2× FY 2025

Dividends

Dividend Yield 3.3%
FY 2016: 2.1%FY 2017: 2.0%FY 2018: 2.9%FY 2019: 2.7%FY 2020: 3.9%FY 2021: 3.3%FY 2022: 3.7%FY 2023: 4.2%FY 2024: 3.3%FY 2025: 3.3%
FY 2016 5y median 3.3% FY 2025
Payout Ratio 36.7%
FY 2016: 39.8%FY 2017: 37.6%FY 2018: 30.4%FY 2019: 32.1%FY 2020: 47.0%FY 2021: 34.9%FY 2022: 44.2%FY 2023: 35.3%FY 2024: 39.9%FY 2025: 36.7%
FY 2016 5y median 36.7% FY 2025

Annual · latest fiscal year ends 2025-12-31