M&T Bank Corporation
M&T Bank Corporation operates as a bank holding company that provides commercial and retail banking services. The company's Business Banking segment offers deposit, lending, cash management, and other financial services to small businesses and profession…
Banks - Regional
US, Buffalo [HQ]
Ratios
15 Sheets · From 2023 to 2009Configuration
Margins, Growth Rates In %
| Ratio | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||||||||
| Gross Margin | 100.00 | 97.53 | 98.11 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 108.79 | |
| Profit Margin | 12.14 | 17.65 | 21.10 | 24.01 | 25.00 | 23.84 | 23.06 | 24.83 | 25.00 | 32.35 | 31.16 | 22.72 | 31.03 | 24.77 | 29.17 | |
| Operating Margin | 42.03 | 48.15 | 43.28 | 47.57 | 47.39 | 45.48 | 45.96 | 49.89 | 51.07 | 51.19 | 41.14 | 29.72 | 40.98 | 37.75 | 38.51 | |
|
EPS Growth
|
-42.46 | 97.24 | 11.36 | 18.84 | 9.12 | -9.56 | -3.35 | 8.03 | 11.80 | 58.83 | -0.65 | -27.76 | 38.93 | -16.08 | 36.76 | |
| EPS USD | 290.00 | 572.00 | 637.00 | 757.00 | 826.00 | 747.00 | 722.00 | 780.00 | 872.00 | 1,385.00 | 1,376.00 | 994.00 | 1,381.00 | 1,159.00 | 1,585.00 | |
| Return on Assets (ROA) | 0.55 | 0.90 | 1.10 | 1.24 | 1.34 | 1.10 | 0.88 | 1.07 | 1.19 | 1.60 | 1.61 | 0.95 | 1.20 | 0.99 | 1.32 | |
| Return on Equity (ROE) | 4.90 | 7.37 | 9.27 | 10.09 | 10.07 | 8.64 | 6.68 | 7.98 | 8.67 | 12.41 | 12.27 | 8.36 | 10.38 | 7.87 | 10.17 | |
| Return on Invested Capital (ROIC) | 4.71 | 6.60 | 7.39 | 8.51 | 8.58 | 6.34 | 4.79 | 6.46 | 7.10 | 8.20 | 8.47 | 6.56 | 8.67 | 7.05 | 6.83 | |
| Solvency | ||||||||||||||||
| Equity Ratio | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | |
| Debt/Assets | 18.41 | 12.92 | 9.58 | 6.85 | 6.31 | 9.52 | 10.41 | 7.82 | 7.01 | 10.69 | 5.88 | 3.12 | 2.28 | 3.75 | 6.34 | |
| Debt/Equity | 163.59 | 105.14 | 80.55 | 55.69 | 47.49 | 74.58 | 79.06 | 58.58 | 51.18 | 83.07 | 44.85 | 27.44 | 19.73 | 29.70 | 48.97 | |
| Debt/EBITDA | 820.71 | 447.65 | 321.36 | 169.92 | 97.25 | 69.57 | 175.53 | 124.25 | 62.48 | 97.48 | -61.34 | -1,164.26 | -1,609.43 | -613.10 | -458.66 | |
|
Debt/Capitalization
|
62.06 | 51.25 | 44.61 | 35.77 | 32.20 | 42.72 | 44.15 | 36.94 | 33.85 | 45.38 | 30.96 | 21.53 | 16.48 | 22.90 | 32.87 | |
| Long-Term Debt/Capitalization | 56.91 | 48.40 | 41.90 | 31.11 | 31.12 | 42.20 | 39.71 | 36.54 | 33.38 | 35.33 | 30.77 | 21.30 | 16.30 | 13.54 | 23.33 | |
| Interest Debt per Share USD | 116.63 | 78.29 | 58.33 | 44.31 | 41.02 | 72.37 | 95.86 | 64.28 | 57.17 | 96.53 | 58.01 | 37.07 | 28.34 | 48.69 | 98.04 | |
| Debt Growth | -15.93 | -30.71 | -15.01 | -23.92 | -5.51 | 71.34 | 38.98 | -24.47 | -13.88 | 54.43 | -45.12 | -36.99 | -20.47 | 112.87 | 75.56 | |
| Liquidity | ||||||||||||||||
| Current Ratio | 3,900.92 | 9,964.88 | 18,237.01 | 311.46 | 636.43 | 811.27 | 859.11 | 889.73 | 9,186.47 | 313.16 | 687.86 | 1,512.70 | 2,383.50 | 2,113.34 | 538.53 | |
| Quick Ratio | 6,095.03 | 15,094.64 | 16,782.08 | 493.77 | 886.07 | 1,355.91 | 1,439.22 | 707.82 | 8,126.89 | 313.16 | 687.86 | 1,512.70 | 2,383.50 | 1,157.74 | 879.80 | |
| Cash Ratio | 588.83 | 1,248.78 | 3,207.54 | 81.69 | 197.90 | 440.80 | 452.27 | 320.08 | 3,712.07 | 166.35 | 359.31 | 1,132.87 | 1,986.68 | 744.76 | 560.57 | |
| Operating Cash Flow Ratio | 500 | 2,000 | 3,500 | - - | - - | - - | - - | - - | 1,500 | - - | - - | - - | 100 | 100 | - - | |
| Turnover | ||||||||||||||||
| Inventory Turnover | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | 1.97 | |
| Receivables Turnover | 52.09 | 60.29 | 725.11 | 72.40 | 68.17 | 64.31 | 64.00 | 78.54 | 87.47 | 95.92 | 87.75 | 74.91 | 73.21 | 69.86 | 78.42 | |
| Payables Turnover | - - | 8.06 | 4.30 | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | -18.29 | |
|
Asset Turnover
|
4.54 | 5.13 | 5.23 | 5.16 | 5.35 | 4.63 | 3.81 | 4.29 | 4.75 | 4.94 | 5.17 | 4.18 | 3.86 | 4.01 | 4.51 | |
| Fixed Turnover | 718.09 | 800.22 | 700.67 | 720.98 | 718.93 | 729.61 | 702.27 | 784.27 | 871.25 | 915.70 | 542.71 | 512.65 | 523.41 | 486.36 | 540.43 | |
| Coverage | ||||||||||||||||
| Interest Coverage | 196.49 | 363.28 | 438.22 | 594.35 | 759.75 | 725.38 | 655.55 | 620.30 | 743.73 | 576.48 | 339.94 | 542.14 | 2,153.53 | 714.14 | 116.40 | |
| Asset Coverage | 500 | 700 | 1,000 | 1,400 | 1,500 | 1,000 | 900 | 1,200 | 1,400 | 900 | 1,600 | 3,100 | 4,300 | 2,600 | 1,500 | |
| Cash Flow Coverage (CFGR) | 9.38 | 19.07 | 23.73 | 8.80 | 17.36 | 11.95 | 13.63 | 12.25 | 33.45 | 16.27 | 33.45 | 17.77 | 76.86 | 60.83 | 29.58 | |
| EBITDA Coverage | 200 | 300 | 400 | 600 | 700 | 700 | 600 | 600 | 700 | 600 | 300 | 500 | 2,100 | 700 | 100 | |
| Dividend Coverage | -100 | -100 | -200 | -200 | -200 | -200 | -200 | -200 | -200 | -300 | -300 | -200 | -200 | -200 | -200 | |
| Time Interest Earned (TIE) | 200 | 200 | 200 | -100 | -100 | -100 | -100 | 6,000 | 8,100 | -200 | -100 | -100 | -100 | 8,800 | 9,400 | |
| Market Prospects | ||||||||||||||||
| Dividend Yield | 4.67 | 3.65 | 3.87 | 3.07 | 2.61 | 2.68 | 2.75 | 2.13 | 2.04 | 2.94 | 2.72 | 3.89 | 3.28 | 3.72 | 4.24 | |
| Earnings Yield | 4.96 | 5.99 | 8.34 | 7.69 | 7.10 | 6.48 | 6.51 | 5.36 | 5.41 | 9.68 | 8.45 | 8.26 | 9.41 | 8.42 | 12.02 | |
|
Price/Earnings (P/E)
|
2,015.81 | 1,670.96 | 1,198.43 | 1,300.79 | 1,409.44 | 1,543.40 | 1,535.46 | 1,865.78 | 1,848.41 | 1,033.58 | 1,182.86 | 1,210.18 | 1,062.82 | 1,188.25 | 831.99 | |
| Price/Earnings Growth (PEG) | -47.48 | 17.18 | 105.46 | 69.05 | 154.63 | -161.37 | -458.80 | 232.26 | 156.71 | 17.57 | -1,820.29 | -43.59 | 27.30 | -73.92 | 22.64 | |
|
Price/Book (P/B)
|
98.77 | 123.07 | 111.10 | 131.26 | 141.93 | 133.40 | 102.50 | 148.83 | 160.18 | 128.23 | 145.19 | 101.16 | 110.36 | 93.49 | 84.60 | |
| Price/Tangible Book (P/TB) | 98.77 | 123.07 | 111.10 | 131.26 | 141.93 | 133.40 | 102.50 | 148.83 | 160.18 | 128.23 | 145.19 | 101.16 | 110.36 | 93.49 | 84.60 | |
| Price/Sales (P/S) | 244.68 | 294.91 | 252.83 | 312.36 | 352.31 | 367.96 | 354.09 | 463.32 | 462.19 | 334.41 | 368.53 | 275.00 | 329.75 | 294.31 | 242.66 | |
|
Price/Cash Flow (P/CF)
|
643.85 | 613.82 | 581.20 | 2,678.43 | 1,721.10 | 1,497.34 | 951.44 | 2,073.42 | 935.72 | 948.63 | 967.92 | 2,075.00 | 727.74 | 517.52 | 583.99 | |
| Price/Free CF (P/FCF) | 677.66 | 641.00 | 605.10 | 3,278.55 | 1,998.88 | 1,604.13 | 998.38 | 2,280.99 | 963.06 | 995.14 | 1,046.99 | 2,654.51 | 770.07 | 542.97 | 624.96 | |
| Price/Operating CF (P/OCF) | 643.85 | 613.82 | 581.20 | 2,678.43 | 1,721.10 | 1,497.34 | 951.44 | 2,073.42 | 935.72 | 948.63 | 967.92 | 2,075.00 | 727.74 | 517.52 | 583.99 |