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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 0.67
MTBPR's Cash-to-Debt is ranked lower than
68% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.88 vs. MTBPR: 0.67 )
Ranked among companies with meaningful Cash-to-Debt only.
MTBPR' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.11  Med: 0.23 Max: 0.86
Current: 0.67
0.11
0.86
Equity-to-Asset 0.13
MTBPR's Equity-to-Asset is ranked higher than
79% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. MTBPR: 0.13 )
Ranked among companies with meaningful Equity-to-Asset only.
MTBPR' 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 4.83
MTBPR's Interest Coverage is ranked higher than
79% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.67 vs. MTBPR: 4.83 )
Ranked among companies with meaningful Interest Coverage only.
MTBPR' s Interest Coverage Range Over the Past 10 Years
Min: 0.57  Med: 3.78 Max: 6.21
Current: 4.83
0.57
6.21
Piotroski F-Score: 3
Beneish M-Score: -2.52
WACC vs ROIC
7.25%
7.41%
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 : 7/10

vs
industry
vs
history
Operating Margin % 38.87
MTBPR's Operating Margin % is ranked higher than
71% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.69 vs. MTBPR: 38.87 )
Ranked among companies with meaningful Operating Margin % only.
MTBPR' s Operating Margin % Range Over the Past 10 Years
Min: 16.73  Med: 36.14 Max: 42.09
Current: 38.87
16.73
42.09
Net Margin % 24.83
MTBPR's Net Margin % is ranked higher than
59% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.17 vs. MTBPR: 24.83 )
Ranked among companies with meaningful Net Margin % only.
MTBPR' s Net Margin % Range Over the Past 10 Years
Min: 12.24  Med: 23.32 Max: 25.09
Current: 24.83
12.24
25.09
ROE % 7.48
MTBPR's ROE % is ranked lower than
58% of the 1380 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.35 vs. MTBPR: 7.48 )
Ranked among companies with meaningful ROE % only.
MTBPR' s ROE % Range Over the Past 10 Years
Min: 4.57  Med: 8.38 Max: 10.25
Current: 7.48
4.57
10.25
ROA % 1.06
MTBPR's ROA % is ranked higher than
66% of the 1387 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. MTBPR: 1.06 )
Ranked among companies with meaningful ROA % only.
MTBPR' s ROA % Range Over the Past 10 Years
Min: 0.56  Med: 1.08 Max: 1.35
Current: 1.06
0.56
1.35
3-Year Revenue Growth Rate -1.30
MTBPR's 3-Year Revenue Growth Rate is ranked lower than
74% of the 1247 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.90 vs. MTBPR: -1.30 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
MTBPR' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -1.3  Med: 6.3 Max: 13.9
Current: -1.3
-1.3
13.9
3-Year EBITDA Growth Rate -1.90
MTBPR's 3-Year EBITDA Growth Rate is ranked lower than
71% of the 1158 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.00 vs. MTBPR: -1.90 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
MTBPR' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -20.6  Med: 9.4 Max: 31
Current: -1.9
-20.6
31
3-Year EPS without NRI Growth Rate -1.70
MTBPR's 3-Year EPS without NRI Growth Rate is ranked lower than
74% of the 1132 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. MTBPR: -1.70 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
MTBPR' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -26.8  Med: 10.8 Max: 37.7
Current: -1.7
-26.8
37.7
GuruFocus has detected 5 Warning Signs with M&T Bank Corp $MTBPR.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» MTBPR's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Preferred stocks of M&T Bank Corp

SymbolPriceYieldDescription
MTBPRC1020.006.255 % Cum Perp Pfd Shs Series -C-
MTBPR1075.005.935 % Cum Perp Pfd Shs Series -A-

Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:OTCPK:IEBS, NAS:OPHC, OTCPK:MFBP, OTCPK:DLNO, OTCPK:CZID, OTCPK:FCNH, OTCPK:MNBO, OTCPK:OJCB, OTCPK:FRSB, OTCPK:CIBH, OTCPK:CUMD, OTCPK:CZBS, OTCPK:SSNF, OTCPK:QNTO, OTCPK:CYSM, NAS:WCFB, NAS:FSBC, OTCPK:PARA, OTCPK:VSBN, OTCPK:PBNK » 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
PE Ratio 21.65
MTBPR's PE Ratio is ranked lower than
78% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.29 vs. MTBPR: 21.65 )
Ranked among companies with meaningful PE Ratio only.
MTBPR' s PE Ratio Range Over the Past 10 Years
Min: 7.02  Med: 15.51 Max: 26.98
Current: 21.65
7.02
26.98
Forward PE Ratio 19.27
MTBPR's Forward PE Ratio is ranked lower than
79% of the 388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.18 vs. MTBPR: 19.27 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 21.65
MTBPR's PE Ratio without NRI is ranked lower than
77% of the 1296 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.49 vs. MTBPR: 21.65 )
Ranked among companies with meaningful PE Ratio without NRI only.
MTBPR' s PE Ratio without NRI Range Over the Past 10 Years
Min: 7.02  Med: 15.51 Max: 26.98
Current: 21.65
7.02
26.98
Price-to-Owner-Earnings 33.99
MTBPR's Price-to-Owner-Earnings is ranked lower than
89% of the 826 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.11 vs. MTBPR: 33.99 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
MTBPR' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 3.94  Med: 15.54 Max: 76.74
Current: 33.99
3.94
76.74
PB Ratio 1.71
MTBPR's PB Ratio is ranked lower than
77% of the 1391 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. MTBPR: 1.71 )
Ranked among companies with meaningful PB Ratio only.
MTBPR' s PB Ratio Range Over the Past 10 Years
Min: 0.56  Med: 1.39 Max: 2.3
Current: 1.71
0.56
2.3
PS Ratio 5.02
MTBPR's PS Ratio is ranked lower than
78% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.34 vs. MTBPR: 5.02 )
Ranked among companies with meaningful PS Ratio only.
MTBPR' s PS Ratio Range Over the Past 10 Years
Min: 1.28  Med: 3.2 Max: 5.14
Current: 5.02
1.28
5.14
Price-to-Free-Cash-Flow 24.74
MTBPR's Price-to-Free-Cash-Flow is ranked lower than
75% of the 773 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.10 vs. MTBPR: 24.74 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
MTBPR' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 2.54  Med: 9.69 Max: 213.21
Current: 24.74
2.54
213.21
Price-to-Operating-Cash-Flow 22.48
MTBPR's Price-to-Operating-Cash-Flow is ranked lower than
79% of the 824 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.79 vs. MTBPR: 22.48 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
MTBPR' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 2.39  Med: 9.19 Max: 147.41
Current: 22.48
2.39
147.41
EV-to-EBIT 14.77
MTBPR's EV-to-EBIT is ranked lower than
57% of the 1066 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.64 vs. MTBPR: 14.77 )
Ranked among companies with meaningful EV-to-EBIT only.
MTBPR' s EV-to-EBIT Range Over the Past 10 Years
Min: 8.3  Med: 13.9 Max: 36.1
Current: 14.77
8.3
36.1
EV-to-EBITDA 13.46
MTBPR's EV-to-EBITDA is ranked lower than
57% of the 1072 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.46 vs. MTBPR: 13.46 )
Ranked among companies with meaningful EV-to-EBITDA only.
MTBPR' s EV-to-EBITDA Range Over the Past 10 Years
Min: 7.5  Med: 12.2 Max: 27.7
Current: 13.46
7.5
27.7
PEG Ratio 5.43
MTBPR's PEG Ratio is ranked lower than
87% of the 731 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.55 vs. MTBPR: 5.43 )
Ranked among companies with meaningful PEG Ratio only.
MTBPR' s PEG Ratio Range Over the Past 10 Years
Min: 1.06  Med: 1.73 Max: 26.79
Current: 5.43
1.06
26.79
Shiller PE Ratio 24.85
MTBPR's Shiller PE Ratio is ranked lower than
59% of the 490 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.81 vs. MTBPR: 24.85 )
Ranked among companies with meaningful Shiller PE Ratio only.
MTBPR' s Shiller PE Ratio Range Over the Past 10 Years
Min: 5.66  Med: 15.7 Max: 24.85
Current: 24.85
5.66
24.85

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 5.93
MTBPR's Dividend Yield % is ranked lower than
73% of the 2324 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.67 vs. MTBPR: 5.93 )
Ranked among companies with meaningful Dividend Yield % only.
MTBPR' s Dividend Yield % Range Over the Past 10 Years
Min: 1.51  Med: 2.68 Max: 8.79
Current: 5.93
1.51
8.79
Forward Dividend Yield % 5.93
MTBPR's Forward Dividend Yield % is ranked lower than
77% of the 2258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.84 vs. MTBPR: 5.93 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 5.93
MTBPR's 5-Year Yield-on-Cost % is ranked lower than
78% of the 2647 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.35 vs. MTBPR: 5.93 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
MTBPR' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.51  Med: 2.68 Max: 8.79
Current: 5.93
1.51
8.79
3-Year Average Share Buyback Ratio -5.90
MTBPR's 3-Year Average Share Buyback Ratio is ranked lower than
68% of the 977 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. MTBPR: -5.90 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
MTBPR' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -12.2  Med: -4.3 Max: 2.8
Current: -5.9
-12.2
2.8

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.48
MTBPR's Price-to-Tangible-Book is ranked lower than
88% of the 1384 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. MTBPR: 2.48 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
MTBPR' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.89  Med: 2.87 Max: 4.67
Current: 2.48
1.89
4.67
Price-to-Intrinsic-Value-Projected-FCF 1.11
MTBPR's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
71% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.83 vs. MTBPR: 1.11 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
MTBPR' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.46  Med: 0.68 Max: 1.14
Current: 1.11
0.46
1.14
Price-to-Median-PS-Value 1.57
MTBPR's Price-to-Median-PS-Value is ranked lower than
80% of the 1288 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. MTBPR: 1.57 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
MTBPR' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.69  Med: 1.26 Max: 1.57
Current: 1.57
0.69
1.57
Price-to-Graham-Number 1.54
MTBPR's Price-to-Graham-Number is ranked lower than
87% of the 1224 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. MTBPR: 1.54 )
Ranked among companies with meaningful Price-to-Graham-Number only.
MTBPR' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 1.04  Med: 1.5 Max: 2.01
Current: 1.54
1.04
2.01
Earnings Yield (Greenblatt) % 6.80
MTBPR's Earnings Yield (Greenblatt) % is ranked higher than
57% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.60 vs. MTBPR: 6.80 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
MTBPR' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 2.8  Med: 7.2 Max: 12
Current: 6.8
2.8
12
Forward Rate of Return (Yacktman) % 7.74
MTBPR's Forward Rate of Return (Yacktman) % is ranked lower than
60% of the 881 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.03 vs. MTBPR: 7.74 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
MTBPR' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 1.7  Med: 14.6 Max: 23.3
Current: 7.74
1.7
23.3

More Statistics

Beta-0.37
Short Percentage of Float0.00%
52-Week Range $950.00 - 1095.55

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