MTB M&T Bank Corporation
Financial Services
Price
$252.50
Intrinsic value
$201.73
Buy price
$161.38
Discount
-25.2%
DCF walkthrough
This ticker is valued with the excess-return model (bank/insurer/lender), not the operating-cash-flow DCF, so growth-rate and years-of-growth sliders don't apply - only the discount rate (used as cost of equity) and margin of safety do.
Discount rate9.00%
Margin of safety20.00%
- Operating CF
- $3,804,000,000.00
- Total debt
- $18,684,999,680.00
- Cash & STI
- $17,679,998,976.00
- Shares out.
- 146,758,000
Overvalued
Intrinsic value$202.04
Buy price (with MOS)$161.63
Current price$252.50
Discount to intrinsic value-25.0%
7-step quality scorecard
ROE quality
LOW- Average ROE
- 9.2%
- Current ROE
- 9.8%
- Minimum ROE
- 7.9%
Debt quality
MODERATE- Debt / Equity
- 0.64x
Moat proxy
WEAK_PROXYCash-flow reliability
NOT_APPLICABLE- Operating CF / Net income
- 1.32x
Technical chart
Confluence: NONE (0/3)Weekly candles, ~3 years. Yellow line: 10-week EMA. Dashed lines: Fibonacci retracement of the last 52-week swing. Green arrow: an active DR1 support reclaim.
Assumptions & data quality
- Data source
- yfinance
- Growth (g1) source
- min(cfCAGR,revenueCAGR)
- Valuation model
- EXCESS_RETURN
- Debt as % of DCF PV
- 72.2%
- Public economic interest
- 100.0%
These are model outputs built on assumptions (growth rate, discount rate, margin of safety), not facts - trust but verify, especially for LOW cash-flow-reliability or UNKNOWN-quality rows.