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Also traded in: Germany

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 1.16
NYSE:MTB's Cash to Debt is ranked lower than
59% of the 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.98 vs. NYSE:MTB: 1.16 )
Ranked among companies with meaningful Cash to Debt only.
NYSE:MTB' s Cash to Debt Range Over the Past 10 Years
Min: 0.09  Med: 0.24 Max: 1.59
Current: 1.16
0.09
1.59
Equity to Asset 0.13
NYSE:MTB's Equity to Asset is ranked higher than
77% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. NYSE:MTB: 0.13 )
Ranked among companies with meaningful Equity to Asset only.
NYSE:MTB' s Equity to Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.11 Max: 0.13
Current: 0.13
0.07
0.13
Interest Coverage 4.73
NYSE:MTB's Interest Coverage is ranked higher than
79% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. NYSE:MTB: 4.73 )
Ranked among companies with meaningful Interest Coverage only.
NYSE:MTB' s Interest Coverage Range Over the Past 10 Years
Min: 0.57  Med: 2.7 Max: 6.21
Current: 4.73
0.57
6.21
F-Score: 6
M-Score: -2.38
WACC vs ROIC
6.20%
7.26%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 8/10

vs
industry
vs
history
Operating margin (%) 37.61
NYSE:MTB's Operating margin (%) is ranked higher than
66% of the 1678 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.78 vs. NYSE:MTB: 37.61 )
Ranked among companies with meaningful Operating margin (%) only.
NYSE:MTB' s Operating margin (%) Range Over the Past 10 Years
Min: 16.73  Med: 36.14 Max: 43.01
Current: 37.61
16.73
43.01
Net-margin (%) 24.10
NYSE:MTB's Net-margin (%) is ranked higher than
56% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.15 vs. NYSE:MTB: 24.10 )
Ranked among companies with meaningful Net-margin (%) only.
NYSE:MTB' s Net-margin (%) Range Over the Past 10 Years
Min: 12.24  Med: 23.32 Max: 29.31
Current: 24.1
12.24
29.31
ROE (%) 7.43
NYSE:MTB's ROE (%) is ranked lower than
57% of the 1675 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.39 vs. NYSE:MTB: 7.43 )
Ranked among companies with meaningful ROE (%) only.
NYSE:MTB' s ROE (%) Range Over the Past 10 Years
Min: 4.57  Med: 9.07 Max: 13.81
Current: 7.43
4.57
13.81
ROA (%) 1.05
NYSE:MTB's ROA (%) is ranked higher than
63% of the 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. NYSE:MTB: 1.05 )
Ranked among companies with meaningful ROA (%) only.
NYSE:MTB' s ROA (%) Range Over the Past 10 Years
Min: 0.56  Med: 1.13 Max: 1.5
Current: 1.05
0.56
1.5
Revenue Growth (3Y)(%) 0.20
NYSE:MTB's Revenue Growth (3Y)(%) is ranked lower than
64% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. NYSE:MTB: 0.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NYSE:MTB' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0.2  Med: 7.7 Max: 13.9
Current: 0.2
0.2
13.9
EBITDA Growth (3Y)(%) -1.10
NYSE:MTB's EBITDA Growth (3Y)(%) is ranked lower than
71% of the 1253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. NYSE:MTB: -1.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NYSE:MTB' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -20.6  Med: 9.4 Max: 31
Current: -1.1
-20.6
31
EPS Growth (3Y)(%) -1.60
NYSE:MTB's EPS Growth (3Y)(%) is ranked lower than
73% of the 1231 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. NYSE:MTB: -1.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NYSE:MTB' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -26.8  Med: 12.1 Max: 37.7
Current: -1.6
-26.8
37.7
» NYSE:MTB's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

Guru Trades

Q4 2015

MTB Guru Trades in Q4 2015

Jim Simons 151,170 sh (+31.45%)
Warren Buffett 5,382,040 sh (unchged)
Jeremy Grantham Sold Out
Mario Gabelli 178,850 sh (-0.35%)
Murray Stahl 15,500 sh (-2.31%)
Ken Fisher 59,014 sh (-4.27%)
Manning & Napier Advisors, Inc 11,443 sh (-4.77%)
First Eagle Investment 58,930 sh (-6.95%)
David Rolfe 3,071,234 sh (-13.46%)
» More
Q1 2016

MTB Guru Trades in Q1 2016

Jim Simons 335,070 sh (+121.65%)
Manning & Napier Advisors, Inc 11,888 sh (+3.89%)
Warren Buffett 5,382,040 sh (unchged)
First Eagle Investment 58,930 sh (unchged)
Mario Gabelli 172,469 sh (-3.57%)
Ken Fisher 56,770 sh (-3.80%)
Murray Stahl 14,427 sh (-6.92%)
David Rolfe 2,711 sh (-99.91%)
» More
Q2 2016

MTB Guru Trades in Q2 2016

Jim Simons 429,970 sh (+28.32%)
Mario Gabelli 204,769 sh (+18.73%)
Warren Buffett 5,382,040 sh (unchged)
David Rolfe Sold Out
Manning & Napier Advisors, Inc Sold Out
First Eagle Investment 58,126 sh (-1.36%)
Murray Stahl 14,098 sh (-2.28%)
Ken Fisher 50,426 sh (-11.17%)
» More
Q3 2016

MTB Guru Trades in Q3 2016

Paul Tudor Jones 13,382 sh (New)
Jim Simons 480,970 sh (+11.86%)
Mario Gabelli 204,817 sh (+0.02%)
Warren Buffett 5,382,040 sh (unchged)
First Eagle Investment 51,736 sh (-10.99%)
Ken Fisher 44,598 sh (-11.56%)
Murray Stahl 12,324 sh (-12.58%)
» More
» Details

Insider Trades

Latest Guru Trades with MTB

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Preferred stocks of M&T Bank Corp

SymbolPriceYieldDescription
MTBPRC1057.506.035 % Cum Perp Pfd Shs Series -C-
MTBPR1070.005.965 % Cum Perp Pfd Shs Series -A-

Business Description

Industry: Banks » Banks - Regional - US
Compare:NYSE:KEY, NAS:FITB, NYSE:CFG, NYSE:RF, NAS:HBAN, NYSE:STI, NYSE:FRC, NYSE:CMA, NYSE:CIT, NAS:SIVB, NAS:SBNY, NAS:ZION, NAS:PACW, NAS:OZRK, NAS:CBSH, NAS:BOKF, NAS:TFSL, NYSE:CFR, NYSE:WAL, NYSE:SNV » details
Traded in other countries:MTZ.Germany,
M&T Bank Corp is a New York business corporation and a bank holding company. The Company through subsidiaries provides individuals, corporations and other businesses, and institutions with commercial and retail banking services.

M&T Bank Corp was incorporated in November 1969. The Company is a New York business corporation and a bank holding company. The Company through subsidiaries provides individuals, corporations and other businesses, and institutions with commercial and retail banking services, including loans and deposits, trust, mortgage banking, asset management, insurance and other financial services. Banking activities are largely focused on consumers residing in New York State, Pennsylvania, Maryland, Virginia and the District of Columbia and on small and medium-size businesses based in those areas. Banking services are also provided in Delaware, West Virginia and New Jersey, while certain subsidiaries also conduct activities in other states. The reportable segments are 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 within markets served by the Company through the Company's branch network, business banking centers and other delivery channels such as telephone banking, Internet banking and automated teller machines. The Commercial Banking segment provides credit products and banking services for middle-market and large commercial customers, mainly within the markets served by the Company. Services provided by this segment include commercial lending and leasing, letters of credit, deposit products, and cash management services. The Commercial Real Estate segment provides credit and deposit services to its customers. The Discretionary Portfolio segment includes investment and trading securities, residential mortgage loans and other assets; short-term and long-term borrowed funds. The Residential Mortgage Banking segment originates and services residential mortgage loans and sells substantially all of those loans in the secondary market to investors or to the Discretionary Portfolio segment. The Retail Banking segment offers a variety of services to consumers through several delivery channels which include branch offices, automated teller machines, telephone banking and Internet banking. The Company competes in offering commercial and personal financial services with other banking institutions and with firms in a number of other industries, such as thrift institutions, credit unions, personal loan companies. The Company is subject to extensive federal and state regulation and supervision.

Ratios

vs
industry
vs
history
P/E(ttm) 20.25
MTB's P/E(ttm) is ranked lower than
73% of the 1557 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.95 vs. MTB: 20.25 )
Ranked among companies with meaningful P/E(ttm) only.
MTB' s P/E(ttm) Range Over the Past 10 Years
Min: 7.02  Med: 15.51 Max: 26.98
Current: 20.25
7.02
26.98
Forward P/E 17.24
MTB's Forward P/E is ranked lower than
68% of the 334 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.24 vs. MTB: 17.24 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 20.25
MTB's PE(NRI) is ranked lower than
73% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.98 vs. MTB: 20.25 )
Ranked among companies with meaningful PE(NRI) only.
MTB' s PE(NRI) Range Over the Past 10 Years
Min: 7.02  Med: 15.51 Max: 26.98
Current: 20.25
7.02
26.98
Price/Owner Earnings (ttm) 27.51
MTB's Price/Owner Earnings (ttm) is ranked lower than
85% of the 883 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.78 vs. MTB: 27.51 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
MTB' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 3.94  Med: 14.71 Max: 76.74
Current: 27.51
3.94
76.74
P/B 1.52
MTB's P/B is ranked lower than
71% of the 1662 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. MTB: 1.52 )
Ranked among companies with meaningful P/B only.
MTB' s P/B Range Over the Past 10 Years
Min: 0.56  Med: 1.39 Max: 2.3
Current: 1.52
0.56
2.3
P/S 4.42
MTB's P/S is ranked lower than
69% of the 1645 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.21 vs. MTB: 4.42 )
Ranked among companies with meaningful P/S only.
MTB' s P/S Range Over the Past 10 Years
Min: 1.28  Med: 3.2 Max: 5.14
Current: 4.42
1.28
5.14
PFCF 15.52
MTB's PFCF is ranked lower than
60% of the 826 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.19 vs. MTB: 15.52 )
Ranked among companies with meaningful PFCF only.
MTB' s PFCF Range Over the Past 10 Years
Min: 2.54  Med: 9.69 Max: 213.21
Current: 15.52
2.54
213.21
POCF 14.48
MTB's POCF is ranked lower than
64% of the 925 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. MTB: 14.48 )
Ranked among companies with meaningful POCF only.
MTB' s POCF Range Over the Past 10 Years
Min: 2.39  Med: 9.19 Max: 147.41
Current: 14.48
2.39
147.41
EV-to-EBIT 9.97
MTB's EV-to-EBIT is ranked higher than
60% of the 1265 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. MTB: 9.97 )
Ranked among companies with meaningful EV-to-EBIT only.
MTB' s EV-to-EBIT Range Over the Past 10 Years
Min: 8.3  Med: 13.8 Max: 36.1
Current: 9.97
8.3
36.1
EV-to-EBITDA 9.04
MTB's EV-to-EBITDA is ranked higher than
60% of the 1263 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.92 vs. MTB: 9.04 )
Ranked among companies with meaningful EV-to-EBITDA only.
MTB' s EV-to-EBITDA Range Over the Past 10 Years
Min: 7.5  Med: 12.2 Max: 27.7
Current: 9.04
7.5
27.7
PEG 3.79
MTB's PEG is ranked lower than
83% of the 752 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.28 vs. MTB: 3.79 )
Ranked among companies with meaningful PEG only.
MTB' s PEG Range Over the Past 10 Years
Min: 1.05  Med: 1.69 Max: 697
Current: 3.79
1.05
697
Shiller P/E 21.96
MTB's Shiller P/E is ranked lower than
55% of the 502 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.35 vs. MTB: 21.96 )
Ranked among companies with meaningful Shiller P/E only.
MTB' s Shiller P/E Range Over the Past 10 Years
Min: 5.65  Med: 15.68 Max: 24.83
Current: 21.96
5.65
24.83

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.88
MTB's Dividend Yield is ranked lower than
68% of the 2376 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.79 vs. MTB: 1.88 )
Ranked among companies with meaningful Dividend Yield only.
MTB' s Dividend Yield Range Over the Past 10 Years
Min: 1.51  Med: 2.68 Max: 8.79
Current: 1.88
1.51
8.79
Dividend Payout 0.38
MTB's Dividend Payout is ranked higher than
78% of the 1294 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. MTB: 0.38 )
Ranked among companies with meaningful Dividend Payout only.
MTB' s Dividend Payout Range Over the Past 10 Years
Min: 0.11  Med: 0.31 Max: 1.94
Current: 0.38
0.11
1.94
Forward Dividend Yield 1.88
MTB's Forward Dividend Yield is ranked lower than
72% of the 2299 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. MTB: 1.88 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.88
MTB's Yield on cost (5-Year) is ranked lower than
76% of the 2629 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. MTB: 1.88 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
MTB' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 1.51  Med: 2.68 Max: 8.79
Current: 1.88
1.51
8.79
3-Year Average Share Buyback Ratio -7.60
MTB's 3-Year Average Share Buyback Ratio is ranked lower than
70% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. MTB: -7.60 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
MTB' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -12.2  Med: -4.3 Max: 2.8
Current: -7.6
-12.2
2.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.25
MTB's Price/Tangible Book is ranked lower than
83% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. MTB: 2.25 )
Ranked among companies with meaningful Price/Tangible Book only.
MTB' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.69  Med: 2.84 Max: 4.67
Current: 2.25
1.69
4.67
Price/Projected FCF 0.98
MTB's Price/Projected FCF is ranked lower than
69% of the 872 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.74 vs. MTB: 0.98 )
Ranked among companies with meaningful Price/Projected FCF only.
MTB' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.37  Med: 0.74 Max: 1.27
Current: 0.98
0.37
1.27
Price/Median PS Value 1.38
MTB's Price/Median PS Value is ranked lower than
72% of the 1450 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. MTB: 1.38 )
Ranked among companies with meaningful Price/Median PS Value only.
MTB' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.57  Med: 1.14 Max: 1.54
Current: 1.38
0.57
1.54
Price/Graham Number 1.43
MTB's Price/Graham Number is ranked lower than
80% of the 1404 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.92 vs. MTB: 1.43 )
Ranked among companies with meaningful Price/Graham Number only.
MTB' s Price/Graham Number Range Over the Past 10 Years
Min: 0.91  Med: 1.44 Max: 2.07
Current: 1.43
0.91
2.07
Earnings Yield (Greenblatt) (%) 10.03
MTB's Earnings Yield (Greenblatt) (%) is ranked higher than
70% of the 1663 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. MTB: 10.03 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
MTB' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 2.8  Med: 7.25 Max: 12
Current: 10.03
2.8
12
Forward Rate of Return (Yacktman) (%) 8.80
MTB's Forward Rate of Return (Yacktman) (%) is ranked lower than
58% of the 886 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.59 vs. MTB: 8.80 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
MTB' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 1.7  Med: 14.7 Max: 23.3
Current: 8.8
1.7
23.3

More Statistics

Revenue (TTM) (Mil) $5,210
EPS (TTM) $ 7.43
Beta0.78
Short Percentage of Float3.17%
52-Week Range $100.08 - 151.51
Shares Outstanding (Mil)155.05

Analyst Estimate

Dec16 Dec17 Dec18 Dec19
Revenue (Mil $) 5,266 5,463 5,596
EPS ($) 8.08 8.69 9.55 10.75
EPS w/o NRI ($) 8.08 8.69 9.55 10.75
EPS Growth Rate
(3Y to 5Y Estimate)
8.00%
Dividends Per Share ($) 2.80 2.90 2.90
» More Articles for NYSE:MTB

Headlines

Articles On GuruFocus.com
Weekly CFO Sells Highlights Nov 17 2016 
David Rolfe Nearly Divests Stake in M&T Bank Jun 26 2016 
David Rolfe Comments on M&T Bank Apr 15 2016 
David Rolfe's Wedgewood Partners 1st Quarter 2016 Client Letter Apr 15 2016 
M&T Bank: Overvalued Compared to Its Largest Competitors Apr 13 2016 
David Rolfe Trims Stakes in Visa, M&T Bank Dec 29 2015 
M&T Bank Is Overvalued at Its Current Price Dec 17 2015 
David Rolfe Trims Holdings in Alphabet, Visa in 3rd Quarter Nov 24 2015 
Five Undervalued Companies Near 52-Week Lows – October 2015 Oct 21 2015 
Weekly 52-Week Highs Highlight: MTB, RAI, KR, C Jul 21 2015 

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