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M&T Bank Corporation MTB NYSE

NYSE • Financial Services • Banks - Regional • US • USD

SharesGrow Score
68/100
4/7 Pass
SharesGrow Intrinsic Value
$439.97
+99.5%
Analyst Price Target
$234.20
+6.2%

M&T Bank Corporation (MTB) is a Banks - Regional company in the Financial Services sector, currently trading at $220.51. It has a SharesGrow Score of 68/100, indicating a above average investment profile with 4 out of 7 criteria passed.

SharesGrow calculates the intrinsic value of MTB = $439.97 (+99.5% from the current price, the stock appears undervalued). Analyst consensus target is MTB = $234 (+6.2% upside).

Valuation: MTB trades at a trailing Price-to-Earnings (P/E) of 12.5 (S&P 500 average ~25) with a forward Price/Earnings-to-Growth (PEG) of 1.02.

Financials: revenue is $12.3B, +15.7%/yr average growth. Net income is $2.9B, growing at +14.1%/yr. Net profit margin is 23.2% (strong). Gross margin is 74.6% (-14.2 pp trend).

Balance sheet: total debt is $13.1B against $29.2B equity (Debt-to-Equity (D/E) ratio 0.45, conservative). Current ratio is 0.32 (tight liquidity). Debt-to-assets is 6.1%. Total assets: $213.5B.

Analyst outlook: 15 / 48 analysts rate MTB as buy (31%) — mixed sentiment.

SharesGrow 7-Criteria breakdown: Value 66/100 (Pass), Growth 80/100 (Pass), Past 100/100 (Pass), Health 33/100 (Fail), Moat 69/100 (Partial), Future 40/100 (Partial), Income 85/100 (Pass).

$234.20
▲ 6.21% Upside
Average Price Target
Based on 48 Wall Street analysts offering 12-month price targets for M&T Bank Corporation, the average price target is $234.20, with a high forecast of $255.00, and a low forecast of $220.00.
Highest Price Target
$255.00
Average Price Target
$234.20
Lowest Price Target
$220.00

MTB SharesGrow Score Overview

68/100
SharesGrow Score
Above average fundamentals
View full scorecard →
VALUE 66/100
Valuation — P/E, PEG, Forward PEG
GROWTH 80/100
Financials — average growth
PAST 100/100
strong — trend
HEALTH 33/100
Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is
MOAT 69/100
Gross margin is + market cap
FUTURE 40/100
Analyst outlook — as buy
INCOME 85/100
Net profit margin is
Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — MTB

VALUE Pass
66/100
MTB trades at a trailing Price-to-Earnings (P/E) of 12.5 (S&P 500 average ~25). Forward PEG 1.02 — ~moderate (~1.5). Trailing PEG 2.69. Analyst consensus target is $234, implying +6.1% from the current price $221. Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.
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GROWTH Pass
80/100
MTB: +15.7%/yr revenue is, +14.1%/yr Net income is average growth. > 5%/yr — strong. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.
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PAST Pass
100/100
MTB: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.
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HEALTH Fail
33/100
Balance sheet MTB: Debt-to-Equity (D/E) ratio 0.45 (conservative), Current ratio is 0.32 (tight liquidity). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.
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~
MOAT Partial
69/100
MTB: Gross margin is 74.6% (-14.2 pp trend), $33B market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 69/100. ≥ 70 = Pass.
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~
FUTURE Partial
40/100
Analyst outlook: 15 / 48 analysts rate MTB as buy (31%). Analyst consensus target is $234 (+6.1% upside). Score: 60% buy consensus + 40% upside. ≥ 60 = Pass.
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INCOME Pass
85/100
MTB: Net profit margin is 23.2%. healthy (≥15%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.
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Stock Chart & Stats

Market Data
52-Week Range150.75-239
Volume968.05K
Avg Volume (30D)1.27M
Market Cap$32.86B
Beta (1Y)0.60
Dividend Yield$5.8500
Share Statistics
EPS (TTM)17.10
Shares Outstanding$163.3M
IPO Date1980-03-17
Employees22,291
CEORene F. Jones
Financial Highlights & Ratios
Revenue (TTM)$12.31B
Gross Profit$9.19B
EBITDA$3.96B
Net Income$2.85B
Operating Income$3.69B
Total Cash$55.42B
Total Debt$13.06B
Net Debt$-5.71B
Total Assets$213.51B
Price / Earnings (P/E)12.9
Price / Sales (P/S)2.67
Analyst Forecast
1Y Price Target$230.00
Target High$255.00
Target Low$220.00
Upside+4.3%
Rating ConsensusHold
Analysts Covering48
Buy 31% Hold 60% Sell 8%
Price Target Summary
Company Info
CountryUS
ExchangeNYSE
CurrencyUSD
ISINUS55261F1049

Price Chart

MTB
M&T Bank Corporation  ·  NYSE
Financial Services • Banks - Regional
150.75 52WK RANGE 239.00
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