US · MTB
M&T Bank Corporation
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Buffalo, NY 14203
- Website
- www3.mtb.com
Price · as of 2025-12-31
$216.44
Market cap 33.35B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $131.14 | -39.41% |
| Intrinsic Value(DCF) | $204.90 | -5.33% |
| Graham-Dodd Method(GD) | $118.14 | -45.42% |
| Graham Formula(GF) | $5.01 | -97.69% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $55.69 | $61.76 | $63.87 | $30.16 | $135.88 |
| 2012 | $73.37 | $62.77 | $72.15 | $41.60 | $99.20 |
| 2013 | $86.37 | $61.94 | $79.14 | $52.17 | $101.92 |
| 2014 | $92.68 | $61.94 | $90.98 | $57.41 | $49.05 |
| 2015 | $84.39 | $60.89 | $114.52 | $74.08 | $104.93 |
| 2016 | $128.68 | $80.43 | $102.88 | $67.72 | $185.25 |
| 2017 | $155.18 | $94.51 | $104.99 | $70.59 | $121.22 |
| 2018 | $135.29 | $92.37 | $107.64 | $84.57 | $207.96 |
| 2019 | $103.65 | $83.68 | $113.73 | $85.38 | $221.03 |
| 2020 | $135.39 | $97.57 | $125.07 | $68.50 | $0.00 |
| 2021 | $152.42 | $128.33 | $246.93 | $100.14 | $73.24 |
| 2022 | $120.00 | $81.52 | $244.57 | $83.18 | $552.33 |
| 2023 | $135.39 | $90.54 | $905.72 | $106.26 | $893.58 |
| 2024 | $173.48 | $114.19 | $355.35 | $108.16 | $233.45 |
| 2025 | $219.50 | $131.14 | $199.81 | $118.14 | $5.01 |
AI valuation
Our deep-learning model estimates M&T Bank Corporation's (MTB) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $131.14
- Current price
- $216.44
- AI upside
- -39.41%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$204.90
-5.33% upside
Graham-Dodd
$118.14
-45.42% upside
Graham Formula
$5.01
-97.69% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| MTB | M&T Bank Corporation | $216.44 | 33.35B | -39% | -5% | -45% | -98% | 12.57 | 1.23 | 2.91 | -1.65 | 77.99 | 1.74 | 74.62% | 29.99% | 23.16% | 9.80% | -97.99% | 1.35% | 0.45 | 1.04 | 0.32 | 0.32 | -1.44 | 1612.00% | -818.00% | -1573.00% | 7.98% | 0.02 | -98.30% | 2.92% | 36.70% | 10.26% | -1.76 | -2.28 | -0.53 | -0.43 |
| BBDO | Banco Bradesco S.A. | $3.74 | 39.57B | +287% | +2,945% | -47% | +416% | 8.65 | 1.15 | 0.59 | 46.87 | 23.12 | 1.34 | 34.61% | 5.40% | 6.78% | 13.65% | 2.79% | 1.08% | 4.45 | 0.10 | 0.46 | 0.00 | 37.26 | 3742.00% | 3985.00% | -37561.00% | 125.95% | 0.39 | 38.13% | 5.78% | 50.00% | 5.89% | 52.95 | 3.87 | 2.86 | 0.10 |
| FITB | Fifth Third Bancorp | $49.47 | 32.7B | -4% | -28% | -64% | -48% | 13.13 | 1.52 | 2.57 | 6.99 | 103.07 | 1.98 | 65.29% | 24.95% | 19.61% | 12.19% | -78.12% | 1.18% | 0.67 | 0.82 | 0.82 | 0.82 | 3.05 | 1274.00% | -140.00% | -4776.00% | 3.80% | 0.01 | -38.98% | 3.51% | 46.10% | 21.08% | 7.87 | 20.06 | 1.96 | 0.20 |
| HBAN | Huntington Bancshares Inc… | $16.80 | 24.85B | +58% | -11% | -43% | +10% | 11.26 | 1.03 | 2.01 | 5.83 | 80.81 | 1.43 | 61.70% | 21.53% | 17.71% | 10.11% | 13.11% | 1.04% | 0.76 | 0.62 | 0.19 | 0.19 | 6.21 | 1393.00% | 438.00% | 3624.00% | 9.08% | 0.02 | 13.40% | 4.05% | 45.60% | 4.05% | 5.83 | 6.88 | 1.25 | -0.43 |
| KB | KB Financial Group Inc. | $110.00 | 39.44B | -6% | +446,716% | +54% | +307% | 10.01 | 0.95 | 1.15 | 6.85 | 49.71 | 0.95 | 49.06% | 16.83% | 11.54% | 9.80% | 9.00% | 1.54% | 0.00 | 0.65 | — | — | 0.00 | 2013.00% | 3420.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 188.08% | 6.85 | — | 1.15 | — |
| NWG | NatWest Group plc | $16.60 | 33.09B | +38% | +14% | +23% | +161% | 3.17 | 0.57 | 0.83 | -0.22 | 11.59 | 0.69 | 56.34% | 26.15% | 19.78% | 18.81% | 80.29% | 1.08% | 1.69 | 0.60 | 0.20 | 0.20 | -1.53 | 2736.00% | 320.00% | 73429.00% | 23.70% | 0.01 | 79.68% | 9.73% | 30.80% | 20.20% | -0.26 | -0.34 | -0.07 | -0.51 |
| RF | Regions Financial Corpora… | $27.83 | 24.4B | +29% | +4% | -63% | -6% | 11.35 | 1.29 | 2.55 | -3.25 | 60.86 | 1.86 | 74.64% | 28.55% | 22.44% | 11.68% | -17.73% | 1.36% | 0.26 | 1.32 | 0.30 | 0.30 | -2.15 | 1865.00% | 251.00% | 5021.00% | 8.91% | 0.02 | -17.93% | 4.10% | 46.50% | 17.26% | -3.32 | -4.18 | -0.95 | -0.38 |
| TFC | Truist Financial Corporat… | $49.31 | 63.08B | +17% | -22% | -53% | +177% | 11.83 | 0.96 | 2.06 | 12.37 | 86.43 | 1.34 | 62.21% | 20.86% | 17.44% | 8.24% | 6.20% | 0.98% | 1.07 | 0.63 | 0.87 | 0.87 | 4.74 | 1369.00% | 2550.00% | 0.00% | 3.45% | 0.01 | 2.53% | 4.77% | 56.50% | 10.34% | 13.74 | 40.31 | 2.87 | 0.11 |
About M&T Bank Corporation
M&T Bank Corporation operates as a bank holding company that provides commercial and retail banking services. The company's Business Banking segment offers deposit, lending, cash management, and other financial services to small businesses and professionals. Its Commercial Banking segment provides deposit products, commercial lending and leasing, letters of credit, and cash management services for middle-market and large commercial customers. The company's Commercial Real Estate segment originates, sells, and services commercial real estate loans; and offers deposit services. Its Discretionary Portfolio segment provides deposits; securities, residential real estate loans, and other assets; and short and long term borrowed funds, as well as foreign exchange services. The company's Residential Mortgage Banking segment offers residential real estate loans for consumers and sells those loans in the secondary market; and purchases servicing rights to loans originated by other entities. Its Retail Banking segment offers demand, savings, and time accounts; consumer installment loans, automobile and recreational finance loans, home equity loans and lines of credit, and credit cards; mutual funds and annuities; and other services. The company also provides trust and wealth management; fiduciary and custodial; insurance agency; institutional brokerage and securities; and investment management services. It offers its services through banking offices, business banking centers, telephone and internet banking, and automated teller machines. As of December 31, 2021, the company operates 688 domestic banking offices in New York State, Maryland, New Jersey, Pennsylvania, Delaware, Connecticut, Virginia, West Virginia, and the District of Columbia; and a full-service commercial banking office in Ontario, Canada. M&T Bank Corporation was founded in 1856 and is headquartered in Buffalo, New York.
- CEO
- Rene F. Jones
- Employees
- 22.29K
- Beta
- 0.58
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($204.90 ÷ $216.44) − 1 = -5.33% (DCF, example).