M&T BankMEX:MTB 46 OCF Margin % is 42.03% as of Mar. 2026, which is 9% above its 10-year median of 38.59. GuruFocus rates MEX:MTB with a GF Score™ of 46/100 and a GF Value™ of MXN3,401.32 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 1,501 Banks companies, M&T Bank ranks better than 59.43% on this metric.
The historical rank and industry rank for M&T Bank's OCF Margin % or its related term are showing as below:
MEX:MTB'
s OCF Margin % Range Over the Past 10 Years
Min: 13.25 Med: 38.59 Max: 57.08
Current: 34.77
During the past 13 years, the highest OCF Margin % of M&T Bank was 57.08%. The lowest was 13.25%. And the median was 38.59%.
MEX:MTB's OCF Margin % is ranked better than 59.43% of 1501
companies
in the Banks industry
Industry Median: 29.44
vs MEX:MTB: 34.77
M&T Bank OCF Margin % Related Terms
M&T Bank OCF Margin % Historical Data
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The historical data trend for M&T Bank's OCF Margin % 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.
MEX:MTB vs HBAN, BAP, CFG: OCF Margin % Comparison
For the Banks - Regional subindustry, M&T Bank's OCF Margin %, along with its competitors' market caps and OCF Margin % 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, M&T Bank's OCF Margin % distribution charts can be found below:
* The bar in red indicates where M&T Bank's OCF Margin % falls into.
* 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 (MEX:MTB) has a OCF Margin % of 42.03% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on M&T Bank and its competitors. This is near median its historical median of 38.59. Over the past decade, M&T Bank's OCF Margin % has ranged from 13.25 to 57.08. According to the industry distribution chart, M&T Bank ranks #609 out of 1501 companies in the Banks industry, placing it in the top 40.6%.
Is M&T Bank's OCF Margin % too high?
M&T Bank's current OCF Margin % of 42.03% is near median its 10-year median of 38.59. Over the past 10 years, this metric has ranged from a low of 13.25 to a high of 57.08. The Banks industry median OCF Margin % is 29.44. M&T Bank's value of 42.03% is 42.8% above this industry median. Based on the distribution chart, M&T Bank ranks #609 out of 1501 companies in the Banks industry, which is above the industry midpoint. Overall, M&T Bank has a GF Score™ of 46/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does M&T Bank's OCF Margin % compare to HBAN and BAP?
According to the Banks industry distribution chart, M&T Bank ranks #609 out of 1501 companies for OCF Margin %. This puts M&T Bank in the upper half of its industry. The industry median OCF Margin % is 29.44. M&T Bank's value of 42.03% is 42.8% above this benchmark. Historically, M&T Bank's own OCF Margin % has ranged from 13.25 to 57.08 over the past decade. While the company's 10-year median is 38.59 vs. the industry median of 29.44, M&T Bank has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. M&T Bank's current OCF Margin % of 42.03% is 42.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on M&T Bank and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. M&T Bank's current OCF Margin % is 42.03%, which is near median its own 10-year median of 38.59. 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 (MEX:MTB) is currently considered Modestly Overvalued. The stock's GF Value™ is MXN3,401.32, compared to a current price of MXN3,905.88 — trading 14.8% above its estimated fair value. The current OCF Margin % is 42.03%, which is near median its 10-year median of 38.59 and 42.8% above the Banks industry median of 29.44. M&T Bank's overall GF Score™ is 46/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For M&T Bank (MEX:MTB), the current OCF Margin % is 42.03% as of Mar. 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 (MEX:MTB) Overvalued in 2026?
Based on GuruFocus' analysis, M&T Bank stock appears to be overvalued.
The current stock price of MXN3,905.88 is trading 14.8% above its estimated GF Value™ of MXN3,401.32.
GuruFocus considers M&T Bank to be Modestly Overvalued.
Key valuation signals for MEX:MTB:
OCF Margin %: 42.03% (near median its 10-year median of 38.59)
GF Value™: MXN3,401.32 vs. price of MXN3,905.88 (14.8% above fair value)
Industry Position: 42.8% above the Banks median (#609 of 1501)
No single metric tells the full story. See the MEX:MTB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
46GF Score
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