M&T Bank MTB Ratios & Valuation
| FY'25 | FY'24 | FY'23 | FY'22 | ||
|---|---|---|---|---|---|
| Profitability | |||||
| Net margin | 115.3%+8.7pp | 106.6%-8.6pp | 115.2%+13.9pp | 101.3%-16.0pp | |
| Free cash flow margin | 140.5%-7.9pp | 148.4%-2.3pp | 150.7%-61.9pp | 212.7%+58.6pp | |
| Returns | |||||
| Return on equity | 38.3%+1.9pp | 36.4%-8.2pp | 44.6%+9.9pp | 34.6%-7.6pp | |
| Return on assets | 5.2%+0.5pp | 4.7%-0.9pp | 5.6%+1.5pp | 4.1%-0.7pp | |
| Efficiency | |||||
| Asset turnover | 0.2×0.0× | 0.2×0.0× | 0.2×0.0× | 0.2×0.0× | |
| Leverage | |||||
| Debt-to-equity | 2.2×+0.5× | 1.7×-0.3× | 1.9×+1.1× | 0.9×0.0× | |
| Debt-to-assets | 0.3×+0.1× | 0.2×0.0× | 0.2×+0.1× | 0.1×0.0× | |
| Per Share | |||||
| Book value per share | $721.18+6.4% | $677.95+8.6% | $624.50— | —— | |
| Valuation | |||||
| Market capitalization | $121.73B+10.6% | $110.09B+30.9% | $84.12B-21.0% | $106.48B+37.9% | |
| Enterprise value | $138.94B+6.3% | $130.75B+29.7% | $100.84B+0.6% | $100.23B+10.7% | |
| Price / earnings | 44.4×-0.1× | 44.5×+13.9× | 30.6×-31.3× | 61.9×+17.6× | |
| Price / sales | 12.8×+0.9× | 11.9×+3.1× | 8.8×-6.7× | 15.5×+2.5× | |
| Price / book | 4.2×+0.3× | 3.9×+0.7× | 3.2×-1.3× | 4.5×0.0× | |
| EV / sales | 14.6×+0.5× | 14.1×+3.5× | 10.5×-4.5× | 15.1×-0.1× | |
| Free cash flow yield | 43.9%-7.4pp | 51.3%-17.6pp | 68.9%+12.9pp | 56%+8.3pp | |
| Earnings yield | 36%-0.4pp | 36.4%-16.3pp | 52.7%+25.9pp | 26.9%-9.5pp | |
| Dividend yield | 11.8%-1.2pp | 13%-3.4pp | 16.3%+5.8pp | 10.5%-1.3pp | |
| PEG ratio | 6.6×— | —— | 0.7×— | —— |
Chart any of these lines over time, or line them up against competitors.
Compare these in charts →Questions, answered.
- Where do M&T Bank's ratios come from?
- Every ratio is computed from M&T Bank's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.
