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M&T Bank MTB Net debt / EBITDA

Net debt / EBITDA at other companies

KeyCorp logo
KeyCorpKEY
2.8×-0.5×
Truist Financial logo
Truist FinancialTFC
4.2×—
PNC Financial Services logo
PNC Financial ServicesPNC
1.8×+0.6×
Citizens Financial Group logo
Citizens Financial GroupCFG
-0×-0.1×
Fifth Third Bank logo
Fifth Third BankFITB
2.2×+0.7×
U.S. Bancorp logo
U.S. BancorpUSB
1.2×+0.1×

Other financials

Income statement

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Revenue$2.4B+5.9%
Net income$664.0M+13.7%
EPS (diluted)$4.13+24.4%

Balance sheet

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Cash & equivalents$16.3B-28.2%
Total debt$26.8B+97.7%
Total equity$28.0B-3.5%
Total assets$214.74B+2.1%

Cash flow

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Operating cash flow$1.0B+59.4%
CapEx$96.0M+284%
Free cash flow$916.0M+50.2%

Valuation

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Market cap$33.07B+4.5%
Enterprise value$43.55B+104%
P/E11.3×-0.7×
P/S3.4×0.0×

Profitability

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Net margin29.8%+1.5pp

Returns & leverage

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Return on equity10.3%+0.9pp
Debt / equity1×+0.5×

Questions, answered.

What does net debt / EBITDA mean?
How many years of operating earnings it would take to pay off the company's net debt.
How do you interpret net debt / EBITDA?
Lower is safer; lenders often covenant around 3–4×. A negative value means net cash (more cash than debt), a position of strength. Spikes can reflect a temporary EBITDA dip rather than new borrowing.
How does net debt / EBITDA compare across companies?
A standard leverage yardstick across non-financial sectors; covenant thresholds vary by industry cash-flow stability.