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MTB-PJ stock logo

MTB-PJ

M&T Bank Corporation

$25.88
0.18
 (0.7%)
Exchange:  NYSE
Market Cap:  4.086B
Shares Outstanding:  128.679M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Rene F. Jones
Full Time Employees:  22291
Address: 
One M&T Plaza
Buffalo
NY
14203
US
Website:  https://www3.mtb.com
M&T Bank Corporation operates as a bank holding company for Manufacturers and Traders Trust Company and Wilmington Trust, National Association that engages in the provision of 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, commercial real estate loans, and credit facilities secured by various commercial real estate 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, and direct deposit 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, security brokerage, and administrative services; personal trust, planning, 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. The company was founded in 1856 and is headquartered in Buffalo, New York.

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Revenue Segmentation

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EPS

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Earnings Call

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue12,507,00013,405,00012,309,000
Gross Profit8,753,0008,621,0009,185,000
EBITDA4,116,0003,818,0003,956,000
Operating Income3,619,0003,310,0003,692,000
Net Income2,741,0002,588,0002,851,000

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets208,264,000208,105,000213,510,000
Total Liabilities181,307,000179,078,000184,333,000
Total Stockholders Equity26,957,00029,027,00029,177,000
Total Debt13,517,00013,665,0002,149,000
Cash and Cash Equivalents29,800,00020,782,0001,701,000

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow3,905,0003,610,0003,003,000
Capital Expenditure-256,000-216,0000
Free Cash Flow3,649,0003,394,0003,003,000
Net Income2,741,0002,588,0002,851,000
Net Change in Cash211,000178,000-2,013,000

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2028Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)10,666,589.086Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)10,849,010.666Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)10,753,426.883Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)3,741,377.492Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)3,805,363.081Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)3,771,836.430Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)3,577,552.309Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)3,657,286.318Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)3,615,508.585Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)3,164,751.412Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)3,218,875.457Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)3,190,515.978Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)23.090Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)23.360Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)22.850Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)8Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)1Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
  ?P/S
 (TTM)
: 
2.54
?Net Income
 (TTM)
: 
  ?P/E
 (TTM)
: 
12.04
?Enterprise Value
 (TTM)
: 
25.605B  ?EV/FCF
 (TTM)
: 
8.69
?Dividend Yield
 (TTM)
: 
0.03  ?Payout Ratio
 (TTM)
: 
0.37
?ROE
 (TTM)
: 
0.1  ?ROIC
 (TTM)
: 
0.07
?Net Debt
 (TTM)
: 
  ?Debt/Equity
 (TTM)
: 
0.45
?P/B
 (TTM)
: 
1.18  ?Current Ratio
 (TTM)
: 
0.32

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
1.38Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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Intrinsic Value Calculator

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Calculate MTB Intrinsic Value

Common questions about MTB-PJ valuation

Is M&T Bank Corporation (MTB-PJ) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for M&T Bank Corporation (MTB-PJ) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is MTB-PJ a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether MTB-PJ trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is MTB-PJ’s P/E ratio?

You can see MTB-PJ’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for MTB-PJ?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is MTB-PJ a good long-term investment?

Whether MTB-PJ fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

MTB-PJ

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

0.7
MARKETSnap

Trading Metrics:

Open: 25.7   Previous Close: 25.7
Day Low: 25.67   Day High: 25.9
Year Low: 25   Year High: 27.49
Price Avg 50: 26.47   Price Avg 200: 26.66
Volume: 59255   Average Volume: 38974

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