M&T Bank Corporation MTB
Financial Services · Banks - Regional · United States · S&P 500
Based on the available data, M&T Bank Corporation gets an algorithmic score of 66/100. It trades at 217.50 $, with a sideways/transition technical trend (RSI 27.1) and 21.9% annual volatility.
Updated: 2026-09-30
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Strengths
- High net margin (32.1%): pricing power / competitive advantage.
- Attractive free-cash-flow yield (9.1%).
- Low valuation (P/E 10.3).
Weaknesses
- —
Fundamentals
| P/E | 11.67 |
| Forward P/E | 10.31 |
| PEG | 1.36 |
| P/B | 1.24 |
| P/S | 3.34 |
| ROE % | 10.74 |
| ROA % | 1.41 |
| Gross margin % | 0.00 |
| Operating margin % | 45.11 |
| Net margin % | 32.09 |
| Revenue growth % (y/y) | 6.20 |
| Earnings growth % (y/y) | 25.50 |
| Revenue CAGR % | 6.33 |
| Earnings CAGR % | 12.69 |
| FCF yield % | 9.07 |
| Dividend yield % | 2.76 |
| Payout % | 31.76 |
Returns
| 1 month | -7.8 % |
| 3 months | -8.0 % |
| 6 months | +9.6 % |
| YTD | +8.8 % |
| 1 year | +11.8 % |
| 3 years | +92.0 % |
| 5 years | +90.8 % |
Risk
| 1-year volatility | 21.9 % |
| Beta | 0.91 |
| 5-year max drawdown | -40.7 % |
| Sharpe 1A | 0.44 |
Macroeconomic context
Benefits from high rates and a positive curve (net interest margin). Sensitive to credit quality and the cycle: loan-loss provisions rise in recessions. As a US company, its valuation depends on the Fed, 10-year Treasury yields and the US earnings cycle.
How the score is calculated
The score combines profitability (ROE, ROA, net margin), growth (revenue and earnings), valuation (P/E, EV/EBITDA, free cash flow), financial strength (debt and liquidity; not applied to banks and insurers) and momentum (6 and 12-month returns and trend). It is an educational quantitative filter, not a buy or sell recommendation.