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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 0.99
MTBPR's Cash to Debt is ranked higher than
73% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. MTBPR: 0.99 )
MTBPR' s 10-Year Cash to Debt Range
Min: 0.09   Max: 1.94
Current: 0.99

0.09
1.94
Equity to Asset 0.13
MTBPR's Equity to Asset is ranked higher than
88% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. MTBPR: 0.13 )
MTBPR' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.13
Current: 0.13

0.06
0.13
Interest Coverage 6.05
MTBPR's Interest Coverage is ranked higher than
93% of the 1845 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. MTBPR: 6.05 )
MTBPR' s 10-Year Interest Coverage Range
Min: 0.47   Max: 6.05
Current: 6.05

0.47
6.05
F-Score: 3
Z-Score: 0.33
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 : 7/10

vs
industry
vs
history
Operating margin (%) 33.74
MTBPR's Operating margin (%) is ranked higher than
81% of the 2032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.47 vs. MTBPR: 33.74 )
MTBPR' s 10-Year Operating margin (%) Range
Min: 16.73   Max: 43.01
Current: 33.74

16.73
43.01
Net-margin (%) 22.78
MTBPR's Net-margin (%) is ranked higher than
77% of the 2032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.42 vs. MTBPR: 22.78 )
MTBPR' s 10-Year Net-margin (%) Range
Min: 12.24   Max: 29.31
Current: 22.78

12.24
29.31
ROE (%) 8.60
MTBPR's ROE (%) is ranked higher than
76% of the 2042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.60 vs. MTBPR: 8.60 )
MTBPR' s 10-Year ROE (%) Range
Min: 5.23   Max: 18.2
Current: 8.6

5.23
18.2
ROA (%) 1.13
MTBPR's ROA (%) is ranked higher than
86% of the 2045 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. MTBPR: 1.13 )
MTBPR' s 10-Year ROA (%) Range
Min: 0.56   Max: 1.5
Current: 1.13

0.56
1.5
ROC (Joel Greenblatt) (%) 240.28
MTBPR's ROC (Joel Greenblatt) (%) is ranked higher than
91% of the 2013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 77.18 vs. MTBPR: 240.28 )
MTBPR' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 125.93   Max: 366.49
Current: 240.28

125.93
366.49
Revenue Growth (3Y)(%) 7.50
MTBPR's Revenue Growth (3Y)(%) is ranked higher than
89% of the 1748 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. MTBPR: 7.50 )
MTBPR' s 10-Year Revenue Growth (3Y)(%) Range
Min: 2.4   Max: 13.9
Current: 7.5

2.4
13.9
EBITDA Growth (3Y)(%) 11.60
MTBPR's EBITDA Growth (3Y)(%) is ranked higher than
81% of the 1569 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. MTBPR: 11.60 )
MTBPR' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -20.6   Max: 31.1
Current: 11.6

-20.6
31.1
EPS Growth (3Y)(%) 15.90
MTBPR's EPS Growth (3Y)(%) is ranked higher than
82% of the 1550 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. MTBPR: 15.90 )
MTBPR' s 10-Year EPS Growth (3Y)(%) Range
Min: -26.8   Max: 41.5
Current: 15.9

-26.8
41.5
» MTBPR's 10-Y Financials

Financials


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

» Details

Insider Trades

Latest Guru Trades with MTBPR

(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
MTBPC0.006.415 % Cum Perp Pfd Shs Series -C-
MTBPR0.006.385 % Cum Perp Pfd Shs Series -A-
MTBPP1062.190.00Non-Cum Perp Pfd Shs Series -E-

Ratios

vs
industry
vs
history
P/E(ttm) 16.30
MTBPR's P/E(ttm) is ranked higher than
76% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.00 vs. MTBPR: 16.30 )
MTBPR' s 10-Year P/E(ttm) Range
Min: 7.02   Max: 27.23
Current: 16.3

7.02
27.23
P/B 1.49
MTBPR's P/B is ranked higher than
68% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. MTBPR: 1.49 )
MTBPR' s 10-Year P/B Range
Min: 0.56   Max: 2.3
Current: 1.49

0.56
2.3
P/S 3.70
MTBPR's P/S is ranked higher than
72% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.59 vs. MTBPR: 3.70 )
MTBPR' s 10-Year P/S Range
Min: 1.28   Max: 5.12
Current: 3.7

1.28
5.12
EV-to-EBIT 11.94
MTBPR's EV-to-EBIT is ranked higher than
83% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.57 vs. MTBPR: 11.94 )
MTBPR' s 10-Year EV-to-EBIT Range
Min: 8.5   Max: 36.5
Current: 11.94

8.5
36.5
PEG 0.70
MTBPR's PEG is ranked higher than
94% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. MTBPR: 0.70 )
MTBPR' s 10-Year PEG Range
Min: 0.84   Max: 15.36
Current: 0.7

0.84
15.36
Shiller P/E 18.85
MTBPR's Shiller P/E is ranked higher than
86% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. MTBPR: 18.85 )
MTBPR' s 10-Year Shiller P/E Range
Min: 5.09   Max: 24.43
Current: 18.85

5.09
24.43

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 6.38
MTBPR's Dividend Yield is ranked higher than
50% of the 1880 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.31 vs. MTBPR: 6.38 )
MTBPR' s 10-Year Dividend Yield Range
Min: 1.23   Max: 8.79
Current: 6.38

1.23
8.79
Yield on cost (5-Year) 6.38
MTBPR's Yield on cost (5-Year) is ranked lower than
53% of the 1893 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.58 vs. MTBPR: 6.38 )
MTBPR' s 10-Year Yield on cost (5-Year) Range
Min: 1.23   Max: 8.79
Current: 6.38

1.23
8.79
Share Buyback Rate -2.70
MTBPR's Share Buyback Rate is ranked higher than
69% of the 1479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. MTBPR: -2.70 )
MTBPR' s 10-Year Share Buyback Rate Range
Min: 3   Max: -11.7
Current: -2.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.19
MTBPR's Price/Tangible Book is ranked higher than
65% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. MTBPR: 2.19 )
MTBPR' s 10-Year Price/Tangible Book Range
Min: 1.35   Max: 4.71
Current: 2.19

1.35
4.71
Price/DCF (Projected) 0.93
MTBPR's Price/DCF (Projected) is ranked higher than
80% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.17 vs. MTBPR: 0.93 )
MTBPR' s 10-Year Price/DCF (Projected) Range
Min: 0.37   Max: 1.27
Current: 0.93

0.37
1.27
Price/Median PS Value 1.14
MTBPR's Price/Median PS Value is ranked higher than
77% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.22 vs. MTBPR: 1.14 )
MTBPR' s 10-Year Price/Median PS Value Range
Min: 0.52   Max: 1.53
Current: 1.14

0.52
1.53
Price/Peter Lynch Fair Value 1.07
MTBPR's Price/Peter Lynch Fair Value is ranked higher than
93% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. MTBPR: 1.07 )
MTBPR' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.78   Max: 2.49
Current: 1.07

0.78
2.49
Price/Graham Number 1.17
MTBPR's Price/Graham Number is ranked higher than
73% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. MTBPR: 1.17 )
MTBPR' s 10-Year Price/Graham Number Range
Min: 0.82   Max: 2.12
Current: 1.17

0.82
2.12
Earnings Yield (Greenblatt) 8.40
MTBPR's Earnings Yield (Greenblatt) is ranked higher than
81% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. MTBPR: 8.40 )
MTBPR' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.7   Max: 11.8
Current: 8.4

2.7
11.8
Forward Rate of Return (Yacktman) 18.10
MTBPR's Forward Rate of Return (Yacktman) is ranked higher than
76% of the 1250 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.90 vs. MTBPR: 18.10 )
MTBPR' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 1.3   Max: 22.3
Current: 18.1

1.3
22.3

Business Description

Industry: Banks » Banks - Regional - US
Compare: » details
Traded in other countries:MTZ.Germany, MTBPP.USA,
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.

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