MTB
M&T Bank
$227.73
▲ 1.2%Updated Today 6:01 PM ET
▲ Up 23.9% over the last 12 months
Market Cap
$32.97B
P/E
11.24x
Forward P/E (est.)
9.41x
ROE
10.3%
Revenue Growth
86.2%
EPS Growth
19.4%
Profit Margin
30.7%
FCF Yield
8.5%
Debt / Equity
0.45x
ROIC
—
Interest Coverage
—
Current Ratio
—
Dividend Yield
2.7%
Implied Growth (rev. DCF)
—
Rating Score
84/100
Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what MTB's chart says today, with each tool explained.
Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. MTB trades near $227.73, above its 50-day average ($216.91) and 200-day average ($206.13). Price above both averages, with the shorter one above the longer, is the textbook definition of an uptrend — momentum favours buyers.
Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 62 it is in neutral territory — neither stretched nor washed out.
MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently positive — short-term momentum is improving.
Volatility — ATR. Average True Range is the typical daily move. MTB's is $5.08 (~2.2% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. Over the last month MTB found buyers near $205.07 (support) and sellers near $233.23 (resistance); its 52-week range is $174.76–$239.00. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 1.0× the 20-day average — about normal. Rising volume on up-days suggests real buying; on down-days, real selling.
Educational information to help you read a chart — not a recommendation or a forecast. It updates daily as the price and indicators change.
M&T Bank (MTB) is a large-cap company in the Regional Banks industry, part of the Financials sector of the S&P 500, with a market value around $32.97B.
In its latest reported year it generated about $1.66B in revenue and $2.85B in net profit.
Our model rates MTB Strong (84/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
3Y CAGR
2.8%
Revenue moved from $1.52B in 2022 to $1.66B in 2025, a 2.8% compound annual growth rate. The most recent year grew a strong 86.2% year over year. Consistent top-line growth is one sign of healthy demand.
Gross Margin
—
Operating Margin
40.6%
Net Margin
172.1%
ROE
10.3%
M&T Bank keeps about 30.7% of each sales dollar as net profit. Return on equity is 10.3%. Margins this wide usually signal pricing power or a cost advantage.
Total Debt
$11.18B
Net Debt
$9.75B
Net Debt / EBITDA
—
Debt / Equity
0.45x
Leverage: debt-to-equity is 0.4x. That is a conservative balance sheet — a cushion in downturns. It carries roughly $11.18B of total debt against $1.42B of cash.
Operating CF
$3.00B
Free Cash Flow
$3.00B
FCF Margin
181.2%
In the latest year M&T Bank produced about $3.00B of operating cash flow and $3.00B of free cash flow after capital spending. That is a free-cash-flow yield of about 8.5% on today's price. Strong cash generation funds dividends, buybacks, and reinvestment.
P/E
11.24x
P/S
2.55x
P/B
1.05x
EV / EBITDA
—
MTB trades at 11.2x trailing earnings (about 9.4x on estimated forward earnings), 2.5x sales, and 1.0x book value. That is an undemanding multiple — potentially cheap if the business is stable.
Where this stock sits versus what most companies trade at.
Typical ranges are general references (e.g., many stocks trade at ~18–26x earnings), not hard rules. Context only — not investment advice.
How MTB stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
In the Financials sector (76 S&P 500 companies), MTB ranks #1 of 76 by our overall rating. It trades at a discount versus the sector on earnings (11.2x P/E vs. 15.2x median) with a lower return on equity (10.3% vs. 15.3%) and faster revenue growth (86.2% vs. 9.1%).
P/E vs sector
11.2x
median 15.2x
ROE vs sector
10.3%
median 15.3%
Growth vs sector
86.2%
median 9.1%
Sector rank
#1
of 76 by rating
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Financials companies by sub-industry and size. Sector median is across all 76 S&P 500 names in the sector. Educational, not a recommendation.
Project revenue → earnings → price. Edit the assumptions to build your own case.
2030 price target (Base Case)
$253.84 – $398.89
vs. $227.73 today · expected CAGR 2% – 12%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $2.40B | $3.48B | $5.05B | $7.32B | $10.62B |
| Net income | $1.20B | $1.74B | $2.53B | $3.66B | $5.31B |
| EPS | $8.20 | $11.89 | $17.25 | $25.01 | $36.26 |
| Share price (low) | $57.42 | $83.26 | $120.73 | $175.06 | $253.84 |
| Share price (high) | $90.24 | $130.84 | $189.72 | $275.09 | $398.89 |
| CAGR (low–high) | -75% / -60% | -40% / -24% | -19% / -6% | -6% / 5% | 2% / 12% |
Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.
The case for MTB:
- Revenue is growing 86.2% a year, a sign of real demand.
- High net margins (30.7%) point to pricing power or efficiency.
- Healthy free-cash-flow yield (~8.5%) funds buybacks and dividends.
- A conservative balance sheet (debt/equity 0.4x) lowers risk.
- Pays a 2.7% dividend on top of any price gains.
- Our model's overall read is Strong (84/100).
The case against MTB:
- Like any single stock, it is exposed to competition, the economic cycle, and shifts in its end markets.
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
On balance, the fundamentals screen favourably: M&T Bank is a large-cap financials business still growing nicely, with solid profitability, and a sound balance sheet. It trades at 11.2x earnings, which our model scores Strong (84/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.