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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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825 Followers

M&T Bank Ratios

MTB's free cash flow for Q3 2025 was $0.95. For the 2025 fiscal year, MTB's free cash flow was decreased by $ and operating cash flow was $0.41. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.32	0.22	0.25	21.13	23.84
Quick Ratio	0.32	0.22	0.25	24.37	44.10
Cash Ratio	0.11	0.13	0.17	7.45	19.87
Solvency Ratio	0.02	0.02	0.02	0.01	0.02
Operating Cash Flow Ratio	0.02	0.02	0.02	1.29	1.25
Short-Term Operating Cash Flow Coverage	1.93	3.41	0.73	0.00	57.71
Net Current Asset Value	$ -128.91B	$ -143.75B	$ -138.15B	$ -100.28B	$ -85.36B
Leverage Ratios
Debt-to-Assets Ratio	0.06	0.07	0.06	0.04	0.02
Debt-to-Equity Ratio	0.45	0.47	0.50	0.30	0.20
Debt-to-Capital Ratio	0.31	0.32	0.33	0.23	0.16
Long-Term Debt-to-Capital Ratio	0.27	0.30	0.23	0.14	0.16
Financial Leverage Ratio	7.32	7.17	7.73	7.93	8.66
Debt Service Coverage Ratio	0.55	0.59	0.38	5.38	12.98
Interest Coverage Ratio	1.04	0.79	1.16	7.14	21.54
Debt to Market Cap	0.39	0.44	0.59	0.17	0.18
Interest Debt Per Share	101.64	107.15	99.94	48.69	28.34
Net Debt to EBITDA	-1.44	-1.86	-3.96	-6.52	-14.77
Profitability Margins
Gross Profit Margin	74.62%	64.31%	69.98%	100.00%	100.00%
EBIT Margin	29.99%	24.69%	28.94%	30.73%	39.44%
EBITDA Margin	32.14%	28.48%	32.91%	36.14%	44.84%
Operating Profit Margin	29.99%	24.69%	28.94%	37.75%	40.98%
Pretax Profit Margin	29.99%	24.69%	28.94%	32.47%	40.98%
Net Profit Margin	23.16%	19.31%	21.92%	24.77%	31.03%
Continuous Operations Profit Margin	23.16%	19.31%	21.92%	24.76%	31.02%
Net Income Per EBT	77.22%	78.19%	75.74%	76.29%	75.72%
EBT Per EBIT	100.00%	100.00%	100.00%	86.00%	100.00%
Return on Assets (ROA)	1.34%	1.24%	1.32%	0.99%	1.20%
Return on Equity (ROE)	9.88%	8.92%	10.17%	7.87%	10.38%
Return on Capital Employed (ROCE)	9.21%	7.20%	10.29%	1.54%	1.61%
Return on Invested Capital (ROIC)	6.75%	5.51%	6.77%	2.80%	2.95%
Return on Tangible Assets	1.39%	1.30%	1.37%	1.04%	1.24%
Earnings Yield	8.05%	8.27%	12.02%	8.42%	9.41%
Efficiency Ratios
Receivables Turnover	0.00	0.00	4.44	0.00	0.73
Payables Turnover	0.00	0.00	0.83	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	0.00	7.86	7.19	4.86	5.23
Asset Turnover	0.06	0.06	0.06	0.04	0.04
Working Capital Turnover Ratio	-0.10	-0.10	-0.10	0.13	0.15
Cash Conversion Cycle	0.00	0.00	-356.97	0.00	498.60
Days of Sales Outstanding	0.00	0.00	82.12	0.00	498.60
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	439.09	0.00	0.00
Operating Cycle	0.00	0.00	82.12	0.00	498.60
Cash Flow Ratios
Operating Cash Flow Per Share	25.45	21.68	23.47	28.03	21.10
Free Cash Flow Per Share	24.93	20.39	21.93	26.72	19.94
CapEx Per Share	0.52	1.30	1.54	1.31	1.16
Free Cash Flow to Operating Cash Flow	0.98	0.94	0.93	0.95	0.95
Dividend Paid and CapEx Coverage Ratio	3.70	2.89	3.19	4.18	3.40
Capital Expenditure Coverage Ratio	48.89	16.71	15.25	21.33	18.20
Operating Cash Flow Coverage Ratio	0.32	0.26	0.29	0.61	0.77
Operating Cash Flow to Sales Ratio	0.34	0.27	0.31	0.57	0.45
Free Cash Flow Yield	12.21%	10.84%	16.00%	18.42%	12.99%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	12.46	12.09	8.32	11.88	10.63
Price-to-Sales (P/S) Ratio	2.72	2.33	1.82	2.94	3.30
Price-to-Book (P/B) Ratio	1.22	1.08	0.85	0.93	1.10
Price-to-Free Cash Flow (P/FCF) Ratio	8.21	9.22	6.25	5.43	7.70
Price-to-Operating Cash Flow Ratio	8.55	8.67	5.84	5.18	7.28
Price-to-Earnings Growth (PEG) Ratio	2.68	-1.68	0.23	-0.74	0.27
Price-to-Fair Value	1.22	1.08	0.85	0.93	1.10
Enterprise Value Multiple	7.01	6.33	1.58	1.62	-7.41
Enterprise Value	27.62B	24.18B	6.52B	4.71B	-19.92B
EV to EBITDA	6.98	6.33	1.58	1.62	-7.41
EV to Sales	2.24	1.80	0.52	0.59	-3.32
EV to Free Cash Flow	6.79	7.13	1.79	1.08	-7.76
EV to Operating Cash Flow	6.65	6.70	1.67	1.03	-7.34
Tangible Book Value Per Share	126.44	122.95	110.27	101.85	103.43
Shareholders’ Equity Per Share	178.67	174.36	162.04	155.16	139.16
Tax and Other Ratios
Effective Tax Rate	0.23	0.22	0.24	0.24	0.24
Revenue Per Share	75.38	80.52	75.18	49.29	46.57
Net Income Per Share	17.46	15.55	16.48	12.21	14.45
Tax Burden	0.77	0.78	0.76	0.76	0.76
Interest Burden	1.00	1.00	1.00	1.06	1.04
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.25	0.24	0.25	0.36	0.35
Stock-Based Compensation to Revenue	0.00	0.00	0.00	0.01	0.01
Income Quality	1.50	1.39	1.42	2.30	1.46

Currency in USD