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M&T Bank Corporation (MTB)
:MTB
US Market
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M&T Bank (MTB) Ratios

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M&T Bank Ratios

MTB's free cash flow for Q1 2025 was $0.69. For the 2025 fiscal year, MTB's free cash flow was decreased by $ and operating cash flow was $0.24. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
18.20 0.25 21.13 23.84 15.13
Quick Ratio
18.20 0.25 24.37 44.10 26.91
Cash Ratio
1.03 0.17 7.45 19.87 11.33
Solvency Ratio
0.02 0.02 0.01 0.02 0.01
Operating Cash Flow Ratio
1.76 0.02 1.29 1.25 0.35
Short-Term Operating Cash Flow Coverage
1.76 0.73 0.00 57.71 13.27
Net Current Asset Value
$ -145.36B$ -138.15B$ -100.28B$ -85.36B$ -92.74B
Leverage Ratios
Debt-to-Assets Ratio
<0.01 0.06 0.04 0.02 0.03
Debt-to-Equity Ratio
0.07 0.50 0.30 0.20 0.27
Debt-to-Capital Ratio
0.07 0.33 0.23 0.16 0.22
Long-Term Debt-to-Capital Ratio
0.00 0.23 0.14 0.16 0.21
Financial Leverage Ratio
7.42 7.73 7.93 8.66 8.81
Debt Service Coverage Ratio
0.62 0.38 5.38 12.98 3.99
Interest Coverage Ratio
1.13 1.16 7.14 21.54 5.42
Debt to Market Cap
0.07 0.59 0.17 0.18 0.27
Interest Debt Per Share
30.03 99.94 48.69 28.34 37.07
Net Debt to EBITDA
-0.02 -3.96 -6.52 -14.77 -10.63
Profitability Margins
Gross Profit Margin
66.75%69.98%100.00%100.00%100.00%
EBIT Margin
25.77%28.94%30.73%39.44%27.45%
EBITDA Margin
36.93%32.91%36.14%44.84%32.83%
Operating Profit Margin
33.08%28.94%37.75%40.98%29.72%
Pretax Profit Margin
33.00%28.94%32.47%40.98%29.72%
Net Profit Margin
27.28%21.92%24.77%31.03%22.72%
Continuous Operations Profit Margin
20.05%21.92%24.76%31.02%22.72%
Net Income Per EBT
82.68%75.74%76.29%75.72%76.47%
EBT Per EBIT
99.76%100.00%86.00%100.00%100.00%
Return on Assets (ROA)
1.28%1.32%0.99%1.20%0.95%
Return on Equity (ROE)
9.36%10.17%7.87%10.38%8.36%
Return on Capital Employed (ROCE)
1.56%10.29%1.54%1.61%1.26%
Return on Invested Capital (ROIC)
5.86%6.77%2.80%2.95%2.98%
Return on Tangible Assets
1.33%1.37%1.04%1.24%0.98%
Earnings Yield
8.47%12.02%8.42%9.41%8.26%
Efficiency Ratios
Receivables Turnover
0.00 4.44 0.00 0.73 0.00
Payables Turnover
0.00 0.83 0.00 0.00 0.00
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
0.00 7.19 4.86 5.23 5.13
Asset Turnover
0.05 0.06 0.04 0.04 0.04
Working Capital Turnover Ratio
-0.21 -0.10 0.13 0.15 0.26
Cash Conversion Cycle
0.00 -356.97 0.00 498.60 0.00
Days of Sales Outstanding
0.00 82.12 0.00 498.60 0.00
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
0.00 439.09 0.00 0.00 0.00
Operating Cycle
0.00 82.12 0.00 498.60 0.00
Cash Flow Ratios
Operating Cash Flow Per Share
21.96 23.47 28.03 21.10 6.13
Free Cash Flow Per Share
20.72 21.93 26.72 19.94 4.80
CapEx Per Share
1.24 1.54 1.31 1.16 1.34
Free Cash Flow to Operating Cash Flow
0.94 0.93 0.95 0.95 0.78
Dividend Paid and CapEx Coverage Ratio
2.91 3.19 4.18 3.40 0.98
Capital Expenditure Coverage Ratio
17.66 15.25 21.33 18.20 4.58
Operating Cash Flow Coverage Ratio
1.76 0.29 0.61 0.77 0.18
Operating Cash Flow to Sales Ratio
0.37 0.31 0.57 0.45 0.13
Free Cash Flow Yield
11.10%16.00%18.42%12.99%3.77%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
11.80 8.32 11.88 10.63 12.10
Price-to-Sales (P/S) Ratio
3.12 1.82 2.94 3.30 2.75
Price-to-Book (P/B) Ratio
1.12 0.85 0.93 1.10 1.01
Price-to-Free Cash Flow (P/FCF) Ratio
9.01 6.25 5.43 7.70 26.55
Price-to-Operating Cash Flow Ratio
8.77 5.84 5.18 7.28 20.75
Price-to-Earnings Growth (PEG) Ratio
-0.83 0.23 -0.74 0.27 -0.44
Price-to-Fair Value
1.12 0.85 0.93 1.10 1.01
Enterprise Value Multiple
8.43 1.58 1.62 -7.41 -2.25
Enterprise Value
30.85B 6.52B 4.71B -19.92B -4.40B
EV to EBITDA
8.43 1.58 1.62 -7.41 -2.25
EV to Sales
3.11 0.52 0.59 -3.32 -0.74
EV to Free Cash Flow
8.99 1.79 1.08 -7.76 -7.13
EV to Operating Cash Flow
8.48 1.67 1.03 -7.34 -5.57
Tangible Book Value Per Share
120.61 110.27 101.85 103.43 90.02
Shareholders’ Equity Per Share
172.23 162.04 155.16 139.16 125.84
Tax and Other Ratios
Effective Tax Rate
0.17 0.24 0.24 0.24 0.24
Revenue Per Share
59.79 75.18 49.29 46.57 46.29
Net Income Per Share
16.31 16.48 12.21 14.45 10.52
Tax Burden
0.83 0.76 0.76 0.76 0.76
Interest Burden
1.28 1.00 1.06 1.04 1.08
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.25 0.25 0.36 0.35 0.34
Stock-Based Compensation to Revenue
0.00 0.00 0.01 0.01 0.01
Income Quality
1.38 1.42 2.30 1.46 0.58
Currency in USD
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