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STOCKS

M&T Bank (MTB)

NYSE:MTB

MTB

M&T Bank

RESEARCH TOOLSreports

M&T Bank (MTB) Ratios

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824 Followers

M&T Bank Ratios

MTB's free cash flow for Q4 2025 was $0.71. For the 2025 fiscal year, MTB's free cash flow was decreased by $ and operating cash flow was $0.29. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	0.32	0.32	0.22	0.25	0.23
Quick Ratio	0.32	0.32	0.22	0.25	0.23
Cash Ratio	0.11	0.11	0.13	0.17	0.15
Solvency Ratio	0.02	0.02	0.02	0.02	0.01
Operating Cash Flow Ratio	0.02	0.02	0.02	0.02	0.03
Short-Term Operating Cash Flow Coverage	1.40	1.40	3.41	0.73	1.29
Net Current Asset Value	$ -128.91B	$ -128.91B	$ -143.75B	$ -138.15B	$ -135.48B
Leverage Ratios
Debt-to-Assets Ratio	0.06	0.06	0.07	0.06	0.04
Debt-to-Equity Ratio	0.45	0.45	0.47	0.50	0.30
Debt-to-Capital Ratio	0.31	0.31	0.32	0.33	0.23
Long-Term Debt-to-Capital Ratio	0.27	0.27	0.30	0.23	0.14
Financial Leverage Ratio	7.32	7.32	7.17	7.73	7.93
Debt Service Coverage Ratio	0.55	0.55	0.59	0.38	0.61
Interest Coverage Ratio	1.04	1.04	0.79	1.16	6.15
Debt to Market Cap	0.40	0.40	0.44	0.59	0.32
Interest Debt Per Share	101.64	101.64	107.15	99.94	48.69
Net Debt to EBITDA	-1.44	-1.44	-1.86	-3.96	-6.22
Profitability Margins
Gross Profit Margin	74.62%	74.62%	64.31%	69.98%	88.84%
EBIT Margin	29.99%	29.99%	24.69%	28.94%	30.96%
EBITDA Margin	32.14%	32.14%	28.48%	32.91%	36.11%
Operating Profit Margin	29.99%	29.99%	24.69%	28.94%	30.96%
Pretax Profit Margin	29.99%	29.99%	24.69%	28.94%	30.96%
Net Profit Margin	23.16%	23.16%	19.31%	21.92%	23.61%
Continuous Operations Profit Margin	23.16%	23.16%	19.31%	21.92%	23.61%
Net Income Per EBT	77.22%	77.22%	78.19%	75.74%	76.26%
EBT Per EBIT	100.00%	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	1.34%	1.34%	1.24%	1.32%	0.99%
Return on Equity (ROE)	9.88%	9.77%	8.92%	10.17%	7.87%
Return on Capital Employed (ROCE)	9.21%	9.21%	7.20%	10.29%	8.92%
Return on Invested Capital (ROIC)	6.75%	6.75%	5.51%	6.77%	6.07%
Return on Tangible Assets	1.39%	1.39%	1.30%	1.37%	1.04%
Earnings Yield	8.30%	8.67%	8.27%	12.02%	8.42%
Efficiency Ratios
Receivables Turnover	0.00	0.00	0.00	4.44	3.27
Payables Turnover	0.00	0.00	0.00	0.83	0.22
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	0.00	0.00	7.86	7.19	5.10
Asset Turnover	0.06	0.06	0.06	0.06	0.04
Working Capital Turnover Ratio	-0.10	-0.10	-0.10	-0.10	-0.08
Cash Conversion Cycle	0.00	0.00	0.00	-356.97	-1.58K
Days of Sales Outstanding	0.00	0.00	0.00	82.12	111.69
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	439.09	1.70K
Operating Cycle	0.00	0.00	0.00	82.12	111.69
Cash Flow Ratios
Operating Cash Flow Per Share	18.39	18.39	21.68	23.47	28.03
Free Cash Flow Per Share	18.05	17.51	20.39	21.93	26.72
CapEx Per Share	0.34	0.88	1.30	1.54	1.31
Free Cash Flow to Operating Cash Flow	0.98	0.95	0.94	0.93	0.95
Dividend Paid and CapEx Coverage Ratio	2.73	2.53	2.89	3.19	4.18
Capital Expenditure Coverage Ratio	53.63	21.00	16.71	15.25	21.37
Operating Cash Flow Coverage Ratio	0.23	0.23	0.26	0.29	0.61
Operating Cash Flow to Sales Ratio	0.24	0.24	0.27	0.31	0.54
Free Cash Flow Yield	9.11%	8.69%	10.84%	16.00%	18.42%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	12.05	11.54	12.09	8.32	11.88
Price-to-Sales (P/S) Ratio	2.63	2.67	2.33	1.82	2.81
Price-to-Book (P/B) Ratio	1.18	1.13	1.08	0.85	0.93
Price-to-Free Cash Flow (P/FCF) Ratio	10.98	11.50	9.22	6.25	5.43
Price-to-Operating Cash Flow Ratio	11.44	10.96	8.67	5.84	5.18
Price-to-Earnings Growth (PEG) Ratio	2.59	0.71	-1.68	0.23	-0.74
Price-to-Fair Value	1.18	1.13	1.08	0.85	0.93
Enterprise Value Multiple	6.73	6.87	6.33	1.58	1.55
Enterprise Value	26.64B	27.19B	24.18B	6.52B	4.71B
EV to EBITDA	6.73	6.87	6.33	1.58	1.55
EV to Sales	2.16	2.21	1.80	0.52	0.56
EV to Free Cash Flow	9.04	9.51	7.13	1.79	1.08
EV to Operating Cash Flow	8.87	9.06	6.70	1.67	1.03
Tangible Book Value Per Share	126.44	126.44	122.95	110.27	101.85
Shareholders’ Equity Per Share	178.67	178.67	174.36	162.04	155.16
Tax and Other Ratios
Effective Tax Rate	0.23	0.23	0.22	0.24	0.24
Revenue Per Share	75.38	75.38	80.52	75.18	51.71
Net Income Per Share	17.46	17.46	15.55	16.48	12.21
Tax Burden	0.77	0.77	0.78	0.76	0.76
Interest Burden	1.00	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.25	0.25	0.24	0.25	0.34
Stock-Based Compensation to Revenue	0.01	0.01	0.00	0.00	0.00
Income Quality	1.05	1.05	1.39	1.42	2.30

Currency in USD