MTB

SELL

M&T Bank Corporation

Financial Services · Rank #321 · Analyzed Jul 13, 2026

$242.34

Current Price

$232.40

Intrinsic Value

-4.1%

Upside/Downside

2/10

Score

2/5

Quality

Analysis Summary

Valuation Consensus0/3 methods agree

Quality Score2/5.0

Framework RatingSELL

Price vs Intrinsic ValueOvervalued by 4.1%

Fair Value Range

Low$112.80

Base (IV)$232.40

High$278.88

Entry Points

Conservative$78.96

Moderate$112.80

Aggressive$162.68

⚠️ Warnings

Financial sector — DCF less reliable (FCF includes reserves/float)

Quality & Moat Breakdown

Return on Equity10.3% → 0.5/1.0

Debt LevelD/E 100 → 0/1.0

Revenue QualityGrowth 4.3%, margin Δ+0.0% → 0.5/1.0

Moat Strength1.5/5 → 0/1.0

Profit Margins31.5% → 1.0/1.0

Methodology

This analysis uses a unified valuation framework combining three methods, Discounted Cash Flow (3-scenario), Earnings Power Value, and Asset Valuation, with a quality scoring overlay. A stock needs 2/3 valuation methods to agree and a quality score ≥ 3.5/5 for a BUY rating.

Learn how this framework works →

This is a personal analysis tool, not financial advice. Do your own research before making investment decisions.