M&T Bank Financial Ratios
NYSE: MTBFinanceMajor BanksUSD
At close: Oct 9, 4:00 PM ET · Delayed 15 min
M&T Bank ratio analysis
M&T Bank earned a net margin of 172.1% in FY 2025, up from 167.9% a year earlier. Return on equity reached 9.8%, meaning M&T Bank generated 0.10 dollars of profit for every dollar of shareholders' equity. Debt-to-equity stood at 0.45 versus 0.47 the year before.
At the end of FY 2025, MTB traded at 12.0 times earnings; across the 10 fiscal years shown, its year-end P/E ranged from 8.7 to 20.1, with a median of 12.4. Valuation ratios use the closing share price on each fiscal year-end date and diluted shares from the income statement; profitability and leverage ratios use reported annual figures. Current valuation multiples are on the statistics page.
Summary generated from market data by MetaCap's automated system. Methodology
M&T Bank financial ratios (annual)
| Ratio | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| P/E ratio (at fiscal year end) | 12.00 | 13.08 | 8.68 | 12.58 | 11.13 | 12.81 | 12.31 | 11.64 | 19.65 | 20.11 |
| Price / sales | 19.44 | 20.69 | 2.36 | 2.89 | 3.30 | 2.75 | 3.68 | 3.60 | 4.62 | 4.63 |
| Price / book | 1.10 | 1.10 | 0.85 | 0.93 | 1.10 | 1.01 | 1.45 | 1.38 | 1.60 | 1.49 |
| Net margin | 172.1% | 167.9% | 28.4% | 24.4% | 31.0% | 22.7% | 31.2% | 32.4% | 25.0% | 24.8% |
| Free cash flow margin | 181.2% | 234.3% | 37.8% | 53.3% | 42.8% | 10.4% | 35.2% | 33.6% | 48.0% | 20.3% |
| Return on equity (ROE) | 9.8% | 8.9% | 10.2% | 7.9% | 10.4% | 8.4% | 12.3% | 12.4% | 8.7% | 8.0% |
| Return on assets (ROA) | 1.3% | 1.2% | 1.3% | 1.0% | 1.2% | 0.9% | 1.6% | 1.6% | 1.2% | 1.1% |
| Debt / equity | 0.45 | 0.47 | 0.50 | 0.30 | 0.20 | 0.27 | 0.45 | 0.83 | 0.51 | 0.59 |
| Revenue growth | 7.5% | -84.0% | 17.9% | 36.5% | 0.6% | -3.8% | 4.4% | 5.3% | 6.4% | 13.5% |
| EPS growth | 16.1% | -7.3% | 36.9% | -16.4% | 38.8% | -27.7% | 7.9% | 46.4% | 11.8% | 8.4% |