MTB M&T Bank Corporation

Price (delayed)

$101.9

Market cap

$13.14B

P/E Ratio

9.54

Dividend/share

$4.4

EPS

$10.74

Enterprise value

-$2.73B

Sector: Financial Services
Industry: Banks - Regional
M&T Bank Corp. operates as a bank holding company, which engages in the provision of retail and commercial banking, trust, wealth management and investment services. It operates through following segments: Business Banking, Commercial Banking, Commercial Real Estate, Discretionary Portfolio, Residential Mortgage Banking, and Retail Banking. The Business Banking segment provides services to small businesses and professionals through the company's branch network, business banking centres and other delivery channels such as telephone banking, Internet banking and automated teller machines. The Commercial Banking segment offers credit products and banking services for middle-market and large commercial customers. The Commercial Real Estate segment includes credit and deposit services to its customers. The Discretionary Portfolio segment consists of investment and trading securities, residential mortgage loans and other assets, short-term and long-term borrowed funds, brokered certificates of deposit and interest rate swap agreements related thereto, and Cayman Islands branch deposits. The Residential Mortgage Banking segment comprises of residential mortgage loans and sells substantially all of those loans in the secondary market to investors. The Retail Banking segment offers services to consumers through several delivery channels which include branch offices, automated teller machines, telephone banking, and Internet banking. The company was founded on August 30, 1856 and is headquartered in Buffalo, NY.

Highlights

M&T Bank's debt has decreased by 48% YoY
The P/E is 38% lower than the 5-year quarterly average of 15.3 and 8% lower than the last 4 quarters average of 10.4
M&T Bank's net income has decreased by 28% YoY and by 14% QoQ
M&T Bank's EPS has decreased by 23% YoY and by 13% from the previous quarter

Key stats

What are the main financial stats of MTB
Market
Shares outstanding
128.28M
Market cap
$13.14B
Enterprise value
-$2.73B
Valuations
Price to earnings (P/E)
9.54
Price to book (P/B)
0.82
Price to sales (P/S)
2.45
EV/EBIT
-1.46
EV/EBITDA
-1.25
EV/Sales
-0.51
Earnings
Revenue
$5.36B
EBIT
$1.87B
EBITDA
$2.18B
Free cash flow
$1.82B
Per share
EPS
$10.74
Free cash flow per share
$14.18
Book value per share
$124.31
Revenue per share
$41.82
TBVPS
$1,051.82
Balance sheet
Total assets
$139.54B
Total liabilities
$123.59B
Debt
$6.37B
Equity
$15.95B
Working capital
N/A
Liquidity
Debt to equity
0.4
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-7.26
Margins
EBITDA margin
40.7%
Gross margin
100%
Net margin
26.3%
Operating margin
42.2%
Efficiency
Return on assets
1.1%
Return on equity
8.9%
Return on invested capital
1.6%
Return on capital employed
N/A
Return on sales
35%
Dividend
Dividend yield
4.3%
DPS
$4.4
Payout ratio
41%

MTB stock price

How has the M&T Bank stock price performed over time

Financial performance

How have M&T Bank's revenue and profit performed over time
Revenue
$5.36B
Gross profit
$5.36B
Operating income
$2.26B
Net income
$1.41B
Gross margin
100%
Net margin
26.3%
M&T Bank's net income has decreased by 28% YoY and by 14% QoQ
The operating income has contracted by 23% YoY and by 12% from the previous quarter
M&T Bank's net margin has decreased by 19% YoY and by 8% QoQ
MTB's operating margin is down by 14% year-on-year and by 6% since the previous quarter

Growth

What is M&T Bank's growth rate over time

Valuation

What is M&T Bank stock price valuation
P/E
9.54
P/B
0.82
P/S
2.45
EV/EBIT
-1.46
EV/EBITDA
-1.25
EV/Sales
-0.51
The P/E is 38% lower than the 5-year quarterly average of 15.3 and 8% lower than the last 4 quarters average of 10.4
M&T Bank's EPS has decreased by 23% YoY and by 13% from the previous quarter
MTB's P/B is 37% below its 5-year quarterly average of 1.3 and 26% below its last 4 quarters average of 1.1
The P/S is 37% below the 5-year quarterly average of 3.9 and 18% below the last 4 quarters average of 3.0
M&T Bank's revenue has decreased by 11% YoY and by 7% QoQ

Efficiency

How efficient is M&T Bank business performance
The ROA has decreased by 31% YoY and by 15% from the previous quarter
The ROE has contracted by 29% YoY and by 14% from the previous quarter
MTB's ROIC is down by 27% YoY and by 16% QoQ
M&T Bank's ROS has decreased by 18% YoY and by 8% from the previous quarter

Dividends

What is MTB's dividend history
DPS
$4.4
Dividend yield
4.3%
Payout ratio
41%
Recent dividends

Financial health

How did M&T Bank financials performed over time
The company's total assets is 13% higher than its total liabilities
MTB's total liabilities is up by 17% year-on-year and by 14% since the previous quarter
The company's total assets rose by 15% YoY and by 12% QoQ
M&T Bank's debt is 60% lower than its equity

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.