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Market Price

152.23 

0.12 0.1%

as of Oct 18 '19

52 Week Range:

133.78 176.11


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

M&T Bank Corporation operates as the holding company for Manufacturers and Traders Trust Company; and Wilmington Trust, National Association that provide banking services. The company's Business Banking segment offers deposits, business loans and leases, and credit cards; and cash management, payroll, and letters of credit services to small businesses and professionals. Its Commercial Banking segment provides credit and banking services for middle-market and large commercial customers. The company's Commercial Real Estate segment offers multifamily residential and commercial real estate credit, and deposit services. Its Discretionary Portfolio segment provides deposits; securities, residential real estate loans, and other assets; and short and long term borrowed funds, as well as foreign exchange services. The company's Residential Mortgage Banking segment offers residential real estate loans for consumers and sells those loans in the secondary market; and purchases servicing rights to loans originated by other entities. Its Retail Banking segment offers demand, savings, and time accounts; consumer installment loans, automobile and recreational finance loans, home equity loans and lines of credit, and credit cards; demand, savings; and time accounts; mutual funds and annuities; and other services. The company also provides trust and wealth management; fiduciary and custodial; investment management; and insurance agency services. It offers its services through banking offices, business banking centers, telephone and Internet banking, mobile banking, and automated teller machines. As of December 31, 2018, the company had 750 domestic banking offices in New York State, Maryland, New Jersey, Pennsylvania, Delaware, Connecticut, Virginia, and the District of Columbia; a full-service commercial banking office in Ontario, and Canada; and an office in George Town, Cayman Islands. M&T Bank Corporation was founded in 1856 and is headquartered in Buffalo, New York.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 56.37
59.40
63.63
68.11
72.79
77.67
83.91
73.27
96.74
100.52
102.55
growth rate 5.4% 7.1% 7.0% 6.9% 6.7% 8.0% -12.7% 32.0% 3.9% 2.0%
Earnings BIT 739.78
519.29
1,090.00
1,220.00
1,550.00
1,720.00
1,859.59
1,929.14
2,293.04
2,514.75
growth rate -29.8% 109.9% 11.9% 27.1% 11.0% 8.1% 3.7% 18.9% 9.7%
Avg.PE 11.47
23.15
15.31
12.02
12.03
13.16
16.30
14.80
21.68
21.82
13.21
growth rate 101.8% -33.9% -21.5% 0.1% 9.4% 23.9% -9.2% 46.5% 0.7% -39.5%
ROA 0.85
0.49
0.99
1.07
1.18
1.26
1.08
0.90
0.99
1.10
1.54
growth rate -42.4% 102.0% 8.1% 10.3% 6.8% -14.3% -16.7% 10.0% 11.1% 40.0%
ROE 8.74
5.02
9.23
9.76
10.75
10.76
9.09
7.58
8.10
8.77
12.55
growth rate -42.6% 83.9% 5.7% 10.1% 0.1% -15.5% -16.6% 6.9% 8.3% 43.1%
ROIC 8.08
4.35
5.98
6.94
8.65
9.00
6.55
growth rate -46.2% 37.5% 16.1% 24.6% 4.1% -27.2%
Leverage 10.59
9.81
8.93
9.27
8.90
8.17
8.71
8.22
8.09
7.90
8.44
growth rate -7.4% -9.0% 3.8% -4.0% -8.2% 6.6% -5.6% -1.6% -2.4% 6.8%
Balance Sheet Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 4,611.77
4,448.78
5,282.21
5,617.56
5,961.70
5,323.24
5,013.33
56.00
growth rate -3.5% 18.7% 6.4% 6.1% -10.7% -5.8% -98.9%
Acct.Payable 1,790.12
1,512.72
1,368.92
73,582.05
91,957.84
95,493.88
92,432.15
90,156.57
growth rate -15.5% -9.5% 5,275.2% 25.0% 3.9% -3.2% -2.5%
Cur.Assets 9,278.51
10,186.31
8,208.42
7,462.48
10,956.19
growth rate 9.8% -19.4% -9.1% 46.8%
Total Assets 65,815.80
68,880.40
68,021.30
77,924.29
83,008.80
85,162.39
96,685.54
122,787.88
123,449.21
118,593.49
120,097.40
growth rate 4.7% -1.3% 14.6% 6.5% 2.6% 13.5% 27.0% 0.5% -3.9% 1.3%
Cash 1,557.10
1,359.60
1,010.00
9,842.35
8,679.89
12,496.70
817.78
703.45
725.72
741.49
921.70
growth rate -12.7% -25.7% 874.5% -11.8% 44.0% -93.5% -14.0% 3.2% 2.2% 24.3%
Inventory 63.64
195.09
139.21
111.91
78.38
growth rate 206.6% -28.6% -19.6% -30.0%
Cur.Liabilities 74,050.16
94,637.82
98,118.82
93,521.98
95,486.71
growth rate 27.8% 3.7% -4.7% 2.1%
Liabilities 59,031.00
61,127.50
59,663.60
68,653.08
72,806.21
73,856.86
84,349.64
106,614.60
106,962.58
102,342.67
104,637.21
growth rate 3.6% -2.4% 15.1% 6.1% 1.4% 14.2% 26.4% 0.3% -4.3% 2.2%
LT Debt 2,008.00
2,009.00
2,010.00
2,011.00
2,012.00
2,013.00
9,006.96
10,353.86
7,284.36
7,441.52
7,799.11
growth rate 0.1% 0.1% 0.1% 0.1% 0.1% 347.4% 15.0% -29.7% 2.2% 4.8%
Equity 6,784.70
7,752.90
8,357.70
9,271.21
10,202.59
11,305.53
11,104.40
14,941.79
15,255.12
15,019.32
14,228.69
growth rate 14.3% 7.8% 10.9% 10.1% 10.8% -1.8% 34.6% 2.1% -1.6% -5.3%
Common Shares 111.00
115.00
119.00
123.00
130.00
130.00
138.00
138.00
157.00
153.00
144.00
growth rate 3.6% 3.5% 3.4% 5.7% 0.0% 6.2% 0.0% 13.8% -2.6% -5.9%
Cash Flow Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 72.20
0.00
70.50
70.01
91.52
129.56
73.16
81.94
107.69
78.97
97.68
growth rate -100.0% -0.7% 30.7% 41.6% -43.5% 12.0% 31.4% -26.7% 23.7%
Cash Dividends 308.50
357.70
375.50
398.33
411.17
418.80
441.43
456.29
523.16
530.14
582.90
growth rate 16.0% 5.0% 6.1% 3.2% 1.9% 5.4% 3.4% 14.7% 1.3% 10.0%
Cash From OA 1,628.40
1,189.40
1,675.60
1,772.25
499.98
932.32
1,099.04
1,742.41
1,183.41
2,781.94
2,089.85
growth rate -27.0% 40.9% 5.8% -71.8% 86.5% 17.9% 58.5% -32.1% 135.1% -24.9%
FCF per Share 13.81
9.85
13.50
13.49
3.23
3.24
8.44
11.34
9.37
13.47
14.85
growth rate -28.7% 37.1% -0.1% -76.1% 0.3% 160.5% 34.4% -17.4% 43.8% 10.2%
Sale Purchase of Stock 125.00
346.50
-646.33
-646.33
-1,205.91
growth rate 40.5% -100.0% 0.0% 0.0%
FCF 1,532.00
1,130.00
1,605.00
1,702.00
408.00
803.00
1,026.00
1,660.00
1,076.00
2,703.00
1,992.00
growth rate -26.2% 42.0% 6.0% -76.0% 96.8% 27.8% 61.8% -35.2% 151.2% -26.3%
Income Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 2,878.80
3,103.90
3,375.60
4,375.00
4,608.96
4,822.54
4,331.72
4,518.62
5,105.88
5,464.19
5,796.30
growth rate 7.8% 8.8% 29.6% 5.4% 4.6% -10.2% 4.3% 13.0% 7.0% 6.1%
Op.Income 1,211.60
519.30
1,092.80
835.25
1,007.99
1,122.35
1,731.60
1,850.21
2,241.81
2,457.10
2,736.29
growth rate -57.1% 110.4% -23.6% 20.7% 11.4% 54.3% 6.9% 21.2% 9.6% 11.4%
IBT 739.78
519.29
1,092.79
1,224.60
1,552.53
1,765.57
1,642.25
1,674.69
2,058.40
2,323.86
2,508.24
growth rate -29.8% 110.4% 12.1% 26.8% 13.7% -7.0% 2.0% 22.9% 12.9% 7.9%
Net Income 555.90
379.90
736.20
835.25
1,007.99
1,122.35
1,066.25
1,079.67
1,315.11
1,408.31
1,918.08
growth rate -31.7% 93.8% 13.5% 20.7% 11.4% -5.0% 1.3% 21.8% 7.1% 36.2%
EPS 5.01
2.89
5.69
6.35
7.54
8.20
7.42
7.18
7.78
8.70
12.74
growth rate -42.3% 96.9% 11.6% 18.7% 8.8% -9.5% -3.2% 8.4% 11.8% 46.4%
Gross Profit 4,331.72
4,518.62
5,105.88
5,464.19
5,796.30
growth rate 4.3% 13.0% 7.0% 6.1%

Quarterly Statements

Item Name Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Earnings BIT
growth rate
Balance Sheet Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Acct.Receivable 53.00
52.00
56.00
54.00
58.00
growth rate -1.9% 7.7% -3.6% 7.4%
Acct.Payable 89,272.59
89,140.40
90,156.57
90,469.75
91,681.02
growth rate -0.2% 1.1% 0.4% 1.3%
Cur.Assets 9,842.98
9,108.33
10,956.19
10,013.06
11,852.35
growth rate -7.5% 20.3% -8.6% 18.4%
Total Assets 118,426.05
116,827.64
120,097.40
120,025.21
121,554.90
growth rate -1.4% 2.8% -0.1% 1.3%
Cash 1,369.09
1,311.61
921.70
1,267.26
1,271.61
growth rate -4.2% -29.7% 37.5% 0.3%
Inventory 98.06
87.33
78.38
81.34
72.91
growth rate -10.9% -10.3% 3.8% -10.4%
Cur.Liabilities 92,889.80
90,829.67
95,486.71
94,275.48
96,505.47
growth rate -2.2% 5.1% -1.3% 2.4%
Liabilities 102,848.17
101,391.55
104,637.21
104,437.68
105,863.07
growth rate -1.4% 3.2% -0.2% 1.4%
LT Debt 8,382.32
9,140.27
7,799.11
8,476.02
7,655.51
growth rate 9.0% -14.7% 8.7% -9.7%
Equity 14,346.39
14,204.59
14,228.69
14,356.03
14,460.33
growth rate -1.0% 0.2% 0.9% 0.7%
Common Shares 79.88
79.88
79.88
79.87
79.87
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Capital Expenditures 27.57
22.19
38.37
30.71
51.95
growth rate -19.5% 73.0% -20.0% 69.2%
Cash Dividends 134.14
161.18
157.90
156.96
153.33
growth rate 20.2% -2.0% -0.6% -2.3%
Cash From OA 37.06
1,018.38
550.24
413.31
66.87
growth rate 2,647.7% -46.0% -24.9% -83.8%
Sale Purchase of Stock
growth rate
FCF 9.49
996.19
511.86
382.60
14.93
growth rate 10,396.1% -48.6% -25.3% -96.1%
Income Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Sales 1,431.20
1,472.33
1,501.56
1,576.83
1,450.58
growth rate 2.9% 2.0% 5.0% -8.0%
Op.Income 680.57
721.35
849.59
648.92
640.39
growth rate 6.0% 17.8% -23.6% -1.3%
IBT 654.62
696.35
699.39
634.48
625.54
growth rate 6.4% 0.4% -9.3% -1.4%
Net Income 493.16
526.09
546.22
482.74
473.26
growth rate 6.7% 3.8% -11.6% -2.0%
EPS
growth rate
Gross Profit 1,431.20
1,472.33
1,501.56
1,576.83
1,450.58
growth rate 2.9% 2.0% 5.0% -8.0%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

C (53.14)

YOY Growth Grade:

D (39.92)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 10.88 10.88 10.91
EPS / Growth 3.4% 13.99 9.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 3.4%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 3.4% 3.4% 3.4%
Future PE 6.72 9.53 9.53
Future EPS 19.47 19.55 19.55
Value Price
MOS %
32.35
-78.8%
46.05
-69.7%
46.05
-69.7%
MOS Price 16.17 23.03 23.03
IRT 9.16 9.14 9.14

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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