M&T Bank Corporation (MTB) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
M&T Bank Corporation stock (MTB) is currently trading at $204.75. M&T Bank Corporation PE ratio is 11.99. M&T Bank Corporation PS ratio (Price-to-Sales) is 3.31. Analyst consensus price target for MTB is $234.72. WallStSmart rates MTB as Moderate Buy.
- MTB PE ratio analysis and historical PE chart
- MTB PS ratio (Price-to-Sales) history and trend
- MTB intrinsic value — DCF, Graham Number, EPV models
- MTB stock price prediction 2025 2026 2027 2028 2029 2030
- MTB fair value vs current price
- MTB insider transactions and insider buying
- Is MTB undervalued or overvalued?
- M&T Bank Corporation financial analysis — revenue, earnings, cash flow
- MTB Piotroski F-Score and Altman Z-Score
- MTB analyst price target and Smart Rating
M&T Bank Corporation
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MTB Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · M&T Bank Corporation (MTB)
MTB trades at a significant discount to its Graham intrinsic value of $689.52, offering a 66% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
M&T Bank Corporation (MTB) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in market cap, operating margin, price/book. Concerns around return on equity and revenue growth. Overall metrics suggest strong investment potential with favorable risk/reward.
M&T Bank Corporation (MTB) Key Strengths (6)
Keeps $41 of every $100 in revenue after operating costs
Keeps $31 of every $100 in revenue as net profit
92.91% of shares held by major funds and institutions
Large-cap company with substantial market presence
Trading at 1.12x book value, attractively priced
Strong earnings growth at 21.10% per year
Supporting Valuation Data
M&T Bank Corporation (MTB) Areas to Watch (4)
Revenue growing slowly at 4.70% annually
Low profitability relative to shareholder equity
Growth is fairly priced, not cheap, not expensive
Revenue is fairly priced at 3.31x sales
M&T Bank Corporation (MTB) Detailed Analysis Report
Overall Assessment
This company scores 71/100 in our Smart Analysis, earning a B grade. Out of 10 metrics analyzed, 6 register as strengths (avg 9.2/10) while 4 fall into concern territory (avg 4.3/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, Institutional Own.. Valuation metrics including Price/Book (1.12) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 41.40%, Profit Margin at 31.00%. Growth metrics are encouraging with EPS Growth at 21.10%.
The Bear Case
The primary concerns are Revenue Growth, Return on Equity, PEG Ratio. Some valuation metrics including PEG Ratio (1.66), Price/Sales (3.31) suggest expensive pricing. Growth concerns include Revenue Growth at 4.70%, which may limit upside. Profitability pressure is visible in Return on Equity at 9.80%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 9.80% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 4.70% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and Profit Margin makes a compelling case at current levels. The key risk is Revenue Growth, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
MTB Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
MTB's Price-to-Sales ratio of 3.31x sits near its historical average of 3.41x (14th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 9% below its historical high of 3.63x set in Mar 2026, and 3% above its historical low of 3.21x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for M&T Bank Corporation (MTB) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
M&T Bank Corporation operates as a stable business with moderate growth and solid fundamentals. Revenue reached 9.2B with 5% growth year-over-year. Profit margins are strong at 31.0%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 31.0% and operating margin of 41.4% demonstrate strong pricing power and operational efficiency.
Generating 467M in free cash flow and 523M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact M&T Bank Corporation.
Bottom Line
M&T Bank Corporation offers stability with moderate growth and solid fundamentals. The valuation may present an opportunity for patient investors, though limited growth means returns will likely come from dividends and modest capital appreciation rather than explosive gains.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(79 last 3 months)
| Insider | Type | Shares |
|---|---|---|
BARNES, JOHN P Director | Sell | -21,193 |
| Insider | Type | Shares |
|---|---|---|
WALTERS, KIRK W Director | Sell | -909 |
| Insider | Type | Shares |
|---|---|---|
GEISEL, GARY N Director, Vice Chairman | Sell | -886.843 |
| Insider | Type | Shares |
|---|---|---|
BARNES, JOHN P Director | Sell | -17,866 |
Data sourced from SEC Form 4 filings
Last updated: 4:15:33 PM
About M&T Bank Corporation(MTB)
NYSE
FINANCIAL SERVICES
BANKS - REGIONAL
USA
M&T Bank Corporation is an American bank holding company headquartered in Buffalo, New York.