M&T Bank (MTB) Valuation Check After Earnings Growth Buyback Completion And Higher Net Charge Offs

Simply Wall St.01-22

M&T Bank (MTB) has released its 2025 results, reporting higher net income and earnings per share compared with a year earlier, the completion of a sizeable share buyback, and an increase in quarterly ...

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The 5 year total shareholder return of 80.80% points to momentum that has built over time rather...","collect":0,"end_time":0,"defaultTopTitle":"simplywall.st","property":["earning"],"viewcount":null,"language":"en","relate_stocks":{"MTB":"美国制商银行"},"translate_title":"M&T Bank(MTB)盈利增长回购完成和净冲销增加后的估值检查","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"MTB":1.5},"content_text":"M&T Bank (MTB) has released its 2025 results, reporting higher net income and earnings per share compared with a year earlier, the completion of a sizeable share buyback, and an increase in quarterly net charge-offs. See our latest analysis for M&T Bank. The latest earnings, higher net charge offs and completed buyback sit against a share price of US$211.71 and a 16.25% 90 day share price return. The 5 year total shareholder return of 80.80% points to momentum that has built over time rather than only in recent months. If this kind of bank earnings story has you looking wider, it could be a handy moment to scan other fast growing stocks with high insider ownership that might be drawing fresh interest. With earnings per share at US$17.00, an intrinsic value estimate suggesting roughly a 46% discount, and shares trading at US$211.71, should investors interpret this as undervaluation or assume the market is already pricing in future growth? AdvertisementPrice to Earnings of 11.9x: Is it justified? At a last close of US$211.71, M&T Bank is trading on a P/E of 11.9x, which screens as good value relative to peers and the bank's own fair ratio, even though it sits in line with the wider US banks group. The P/E multiple ties the current share price to earnings, so for a bank like M&T, it acts as a shorthand for what investors are willing to pay for each dollar of earnings. For a sector where earnings quality and consistency matter, this can be a useful quick check on how the market is weighing the income statement. Here, the 11.9x P/E is described as good value versus a peer average of 13.4x and also below an estimated fair P/E of 12.8x. That suggests the current price is sitting at a discount to where earnings based valuation could land if the market moved closer to that fair ratio level, even though the stock is described as expensive when compared more broadly across the US banks industry at the same 11.9x mark. Explore the SWS fair ratio for M&T Bank Result: Price-to-Earnings of 11.9x (UNDERVALUED) However, the higher quarterly net charge offs and reliance on a US$9,185m revenue base mean any strain on credit quality or core income could quickly challenge that valuation story. Find out about the key risks to this M&T Bank narrative. Another View: DCF Paints A Different Picture While the 11.9x P/E frames M&T Bank as only modestly cheap against peers and its fair ratio, our DCF model points to something stronger. It indicates an estimated fair value of US$391.22 versus the current US$211.71 price, a roughly 45.9% gap. That kind of discount can signal opportunity or simply reflect market caution about future earnings and credit risk. Which story do you think fits better with your own expectations? Look into how the SWS DCF model arrives at its fair value. MTB Discounted Cash Flow as at Jan 2026Simply Wall St performs a discounted cash flow (DCF) on every stock in the world every day (check out M&T Bank for example). We show the entire calculation in full. You can track the result in your watchlist or portfolio and be alerted when this changes, or use our stock screener to discover 878 undervalued stocks based on their cash flows. If you save a screener we even alert you when new companies match - so you never miss a potential opportunity.  Build Your Own M&T Bank Narrative If you are not fully convinced by this view or simply prefer to weigh the figures yourself, you can build a fresh narrative in just a few minutes, starting with Do it your way. A great starting point for your M&T Bank research is our analysis highlighting 3 key rewards and 1 important warning sign that could impact your investment decision. Looking for more investment ideas? If you are weighing M&T Bank, it is worth broadening your watchlist so you are not missing other opportunities that fit your style and goals.  Spot potential value by scanning these 878 undervalued stocks based on cash flows that currently price in modest expectations relative to their cash flow profiles. Back long term income plans by focusing on these 13 dividend stocks with yields > 3% that offer yields above 3%. Get early exposure to trends in digital assets through these 19 cryptocurrency and blockchain stocks tied to cryptocurrency and blockchain themes.   This article by Simply Wall St is general in nature. We provide commentary based on historical data\n    and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your\n    financial situation. We aim to bring you long-term focused analysis driven by fundamental data.\n    Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.\n    Simply Wall St has no position in any stocks mentioned.New: Manage All Your Stock Portfolios in One PlaceWe've created the ultimate portfolio companion for stock investors, and it's free.• Connect an unlimited number of Portfolios and see your total in one currency• Be alerted to new Warning Signs or Risks via email or mobile• Track the Fair Value of your stocksTry a Demo Portfolio for FreeHave feedback on this article? Concerned about the content? Get in touch with us directly. 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