MT Bank Financials

MTB Stock  USD 208.11  8.45  3.90%   
Based on the analysis of MT Bank's profitability, liquidity, and operating efficiency, MT Bank may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At present, MT Bank's Total Assets are projected to increase significantly based on the last few years of reporting. The current year's Short and Long Term Debt Total is expected to grow to about 13.9 B, whereas Common Stock Shares Outstanding is forecasted to decline to about 115.9 M. Key indicators impacting MT Bank's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.180.2917
Way Down
Slightly volatile
Return On Assets0.00890.0132
Way Down
Pretty Stable
Return On Equity0.120.1017
Fairly Up
Pretty Stable
Debt Equity Ratio0.470.4897
Sufficiently Down
Slightly volatile
Operating Income3.8 B3.6 B
Sufficiently Up
Slightly volatile
Current Ratio5.125.3853
Notably Down
Slightly volatile
The financial analysis of MT Bank is a critical element in measuring its lifeblood. Investors should not minimize MT Bank's ability to pay suppliers or employees on time, ensuring interest payments are not accumulating.

Net Income

2.88 Billion

  
Understanding current and past MT Bank Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of MT Bank's financial statements are interrelated, with each one affecting the others. For example, an increase in MT Bank's assets may result in an increase in income on the income statement.
Please note, the presentation of MT Bank's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, MT Bank's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of MT Bank's management manipulating its earnings.

MT Bank Stock Summary

MT Bank competes with US Bancorp, Truist Financial, Fifth Third, KeyCorp, and Regions Financial. MT Bank Corporation operates as a bank holding company that provides commercial and retail banking services. MT Bank Corporation was founded in 1856 and is headquartered in Buffalo, New York. MT Bank operates under BanksRegional classification in the United States and is traded on New York Stock Exchange. It employs 22879 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINUS55261F1049
CUSIP55261F104 320076102
LocationNew York; U.S.A
Business AddressOne MT Plaza,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww3.mtb.com
Phone716 635 4000
CurrencyUSD - US Dollar

MT Bank Key Financial Ratios

MT Bank Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets119.9B142.6B155.1B200.7B208.3B218.7B
Other Current Liab(2.4B)(2.2B)(2.2B)(4.4B)(4.2B)(4.0B)
Net Debt(1.6B)(20.8B)(39.7B)(19.0B)(16.6B)(15.8B)
Retained Earnings12.8B13.4B14.6B15.8B17.5B18.4B
Cash8.6B25.2B43.2B26.5B29.8B31.3B
Other Assets87.6B95.0B89.9B114.3B169.3B177.7B
Total Liab104.2B126.4B137.2B175.4B181.3B190.4B
Total Current Assets16.5B33.7B51.8B75.1B28.6B14.9B
Short Term Debt62.4M59.5M47.0M3.6B5B5.3B
Accounts Payable2.3B2.2B2.1B4.4B4.5B4.7B
Net Receivables7.1B7.9B8.2B11.5B12.0B12.6B
Common Stock14.5B14.9B16.2B23.3B91M86.5M
Other Current Assets9.2B26.2B44.1B23.4B29.9B36.0B
Other Liab1.7B1.5B1.6B2.2B2.6B1.4B
Long Term Debt7.0B4.4B3.5B4.0B8.2B7.0B
Intangible Assets29.0M14.2M4.0M209.4M147M174.9M
Treasury Stock(4.8B)(5.1B)(5.1B)(1.8B)(1.6B)(1.7B)
Inventory(9.2B)(26.2B)(44.1B)(11.5B)(41.9B)(39.8B)
Net Tangible Assets9.8B10.3B11.6B14.6B16.8B10.2B
Long Term Debt Total7.0B4.4B3.5B4.0B3.6B5.5B
Capital Surpluse6.6B6.6B6.6B10.0B11.5B6.3B

MT Bank Key Income Statement Accounts

201920202021202220232024 (projected)
Interest Expense749.3M326.4M114.0M425.2M3.1B3.3B
Operating Income2.5B1.8B2.5B3.0B3.6B3.8B
Ebit2.5B1.5B2.2B2.8B3.3B1.6B
Ebitda2.6B1.8B2.5B3.1B3.6B3.8B
Net Income1.9B1.4B1.9B2.0B2.7B2.9B
Income Tax Expense618.1M416.4M596.4M619.5M878M921.9M
Total Revenue6.2B6.0B6.0B8.0B9.4B9.9B
Gross Profit6.2B6.0B6.0B8.0B10.2B10.7B
Income Before Tax2.5B1.8B2.5B2.6B3.6B3.8B
Tax Provision618.1M416.4M596.4M619.5M980.0M742.4M
Net Interest Income4.1B3.9B3.8B5.8B7.2B4.8B
Interest Income4.9B4.2B3.9B6.2B9.6B5.5B

MT Bank Key Cash Accounts

201920202021202220232024 (projected)
Change In Cash(169.1M)116.4M(215.2M)182.7M211M221.6M
Free Cash Flow2.2B616.9M2.6B4.4B3.6B3.8B
Depreciation301.3M320.3M324.2M434.1M497M521.9M
Other Non Cash Items215.2M801.6M(76.9M)372.0M895M939.8M
Dividends Paid619.6M636.4M648.5M881.0M968M1.0B
Capital Expenditures178.0M172.3M149.2M214.4M256M268.8M
Net Income1.9B1.4B1.9B2.0B2.7B2.9B
End Period Cash Flow1.4B1.6B1.3B1.5B1.7B1.3B
Investments1.4B(21.2B)(12.8B)15.7B(12.2B)(11.6B)
Net Borrowings(5.9B)(2.7B)(843.6M)91.3M105.0M110.2M
Change To Netincome403.0M228.2M(153.3M)1.1B1.3B1.3B

MTB Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining MT Bank's current stock value. Our valuation model uses many indicators to compare MT Bank value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across MT Bank competition to find correlations between indicators driving MT Bank's intrinsic value. More Info.
MT Bank is rated below average in return on equity category among its peers. It is considered to be number one stock in return on asset category among its peers reporting about  0.13  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for MT Bank is roughly  7.61 . At present, MT Bank's Return On Equity is projected to increase slightly based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the MT Bank's earnings, one of the primary drivers of an investment's value.

MT Bank Systematic Risk

MT Bank's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. MT Bank volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was three with a total number of output elements of fifty-eight. The Beta measures systematic risk based on how returns on MT Bank correlated with the market. If Beta is less than 0 MT Bank generally moves in the opposite direction as compared to the market. If MT Bank Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one MT Bank is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of MT Bank is generally in the same direction as the market. If Beta > 1 MT Bank moves generally in the same direction as, but more than the movement of the benchmark.

MT Bank Thematic Clasifications

MT Bank is part of several thematic ideas from FinTech to Dividend Beast. If you are a theme-oriented, socially responsible, and at the same time, a result-driven investor, you can align your investing habits with your values without jeopardizing your expectations about returns. You can easily create an optimal portfolio of stocks, ETFs, funds, or cryptocurrencies based on a specific theme of your liking. Get More Thematic Ideas
Today, most investors in MT Bank Stock are looking for potential investment opportunities by analyzing not only static indicators but also various MT Bank's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of MT Bank growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.39

At present, MT Bank's Price Earnings To Growth Ratio is projected to slightly decrease based on the last few years of reporting.

MT Bank November 7, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of MT Bank help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of MT Bank. We use our internally-developed statistical techniques to arrive at the intrinsic value of MT Bank based on widely used predictive technical indicators. In general, we focus on analyzing MTB Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build MT Bank's daily price indicators and compare them against related drivers.

Complementary Tools for MTB Stock analysis

When running MT Bank's price analysis, check to measure MT Bank's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy MT Bank is operating at the current time. Most of MT Bank's value examination focuses on studying past and present price action to predict the probability of MT Bank's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move MT Bank's price. Additionally, you may evaluate how the addition of MT Bank to your portfolios can decrease your overall portfolio volatility.
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