MTB (M&T Bank) Debt-to-Asset : 0.08 (As of Jun. 2026)

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Director of Data and Quant Analytics at GuruFocus
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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

MTB M&T Bank Corp MTB
75 GF Score
Price $226.96
GF Value $216.99
Valuation Fairly Valued
! 7 Warning Signs
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What is M&T Bank Debt-to-Asset?

M&T Bank MTB -0.15% 75 Debt-to-Asset is 0.08 as of Jun. 2026. GuruFocus rates MTB with a GF Score™ of 75/100 and a GF Value™ of $216.99 (Fairly Valued). The stock has 7 warning signs investors should review.

M&T Bank's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was $4,614 Mil. M&T Bank's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was $13,568 Mil. M&T Bank's Long-Term Debt & Capital Lease ObligationTotal Assets for the quarter that ended in Jun. 2026 was $219,261 Mil. M&T Bank's debt to asset for the quarter that ended in Jun. 2026 was 0.08.

M&T Bank  (NYSE:MTB) Debt-to-Asset Explanation

In the calculation of Debt-to-Asset, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Assets.

M&T Bank Debt-to-Asset Related Terms

M&T Bank Debt-to-Asset Historical Data

* Premium members only.

The historical data trend for M&T Bank's Debt-to-Asset can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

M&T Bank Debt-to-Asset Chart

M&T Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.03 0.04 0.07 0.07 0.06

M&T Bank Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Debt-to-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.07 0.07 0.06 0.09 0.08

MTB vs HBAN, CFG, BAP: Debt-to-Asset Comparison

For the Banks - Regional subindustry, M&T Bank's Debt-to-Asset, along with its competitors' market caps and Debt-to-Asset data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

M&T Bank Debt-to-Asset vs Banks Industry

For the Banks industry and Financial Services sector, M&T Bank's Debt-to-Asset distribution charts can be found below:

* The bar in red indicates where M&T Bank's Debt-to-Asset falls into.


MTB
75GF Score
M&T Bank Corp MTB
Debt-to-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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M&T Bank Debt-to-Asset Calculation

Debt to Asset measures the financial leverage a company has.

M&T Bank's Debt-to-Asset for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(2317 + 11395) / 213510
=0.06

M&T Bank's Debt-to-Asset for the quarter that ended in Jun. 2026 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(4614 + 13568) / 219261
=0.08

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about Debt-to-Asset →
What does a Debt-to-Asset of 0.08 mean?
M&T Bank (MTB) has a Debt-to-Asset of 0.08 as of Jun. 2026. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on M&T Bank and its competitors.
Is M&T Bank's Debt-to-Asset too high?
M&T Bank's current Debt-to-Asset is 0.08. Overall, M&T Bank has a GF Score™ of 75/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does M&T Bank's Debt-to-Asset compare to HBAN and CFG?
M&T Bank's Debt-to-Asset of 0.08 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Asset for a Banks company?
A good Debt-to-Asset depends on the Banks industry context. However, Debt-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Asset mean?
A high Debt-to-Asset can signal that a stock is expensive relative to its fundamentals. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on M&T Bank and its competitors. M&T Bank's current Debt-to-Asset is 0.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is M&T Bank stock overvalued right now?
Based on GuruFocus' analysis, M&T Bank (MTB) is currently considered Fairly Valued. The stock's GF Value™ is $216.99, compared to a current price of $226.96 — trading 4.6% above its estimated fair value. The current Debt-to-Asset is 0.08. M&T Bank's overall GF Score™ is 75/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Asset calculated?
Debt-to-Asset is calculated from a company's financial statements. For M&T Bank (MTB), the current Debt-to-Asset is 0.08 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is M&T Bank (MTB) Overvalued in 2026?

Based on GuruFocus' analysis, M&T Bank stock appears to be overvalued. The current stock price of $226.96 is trading 4.6% above its estimated GF Value™ of $216.99. GuruFocus considers M&T Bank to be Fairly Valued.

Key valuation signals for MTB:

  • Debt-to-Asset: 0.08
  • GF Value™: $216.99 vs. price of $226.96 (4.6% above fair value)
  • GF Score™: 75/100 with 7 warning signs

No single metric tells the full story. See the MTB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

M&T Bank Business Description

Address One M&T Plaza, Buffalo, NY, USA, 14203
M&T Bank is a US regional bank with around $215 billion in assets as of the end of the first quarter of 2026. Headquartered in Buffalo, New York, the bank's footprint is mostly concentrated in New England and the US Mid-Atlantic. M&T Bank boasts a community banking approach, and boasts over 900 branches in 13 states and Washington, D.C. Apart from retail and commercial banking, M&T Bank also has wealth management operations through Wilmington Trust and a partnership with LPL Financial, and a corporate trust business.
75GF Score

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Debt-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$226.96
Price
$216.99
GF Value