M And T Bank's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of M And T Bank (MTB) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: M And T Bank vs Its Competitors
- TTM: Trailing 12-month revenue of 9,451M vs 899,209M combined for its competitors (1.0% combined share).
- Trending: Latest-quarter revenue run-rate is accelerating (+2.1% annualized vs trailing 12 months), vs accelerating (+8.6%) for its tracked peer group.
- Growth: M And T Bank generated 6.2% revenue growth year over year in Q2 2026, vs 23.3% for its competitors combined.
- Profitability: Its 33.8% net margin compares with 28.3% for the peer group.
- Scale: M And T Bank ranks #6 of 217 companies by market capitalization in the Regional Banks industry, holding 4.3% of industry market cap.
- Peer revenue share: M And T Bank accounted for 1.0% of combined revenue among its tracked peer group, down from 1.1% a year earlier.
- Peer differentiation: Revenue per employee of $0.42M compares with $0.54M for the peer group (0.8x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
MTB Sales vs. its Competitors, Q2 2026
M And T Bank reported revenue growth of 6.21 % year on year in Q2 2026, below its competitors' combined revenue growth of 23.33 %.
With a net margin of 33.83 %, M And T Bank achieved higher profitability than its competitors (28.30 %).
M And T Bank generated 0.98 % of the combined sales of its peer group, down from 1.13 % a year earlier.
M And T Bank vs. its Competitors, Q2 2026
Revenue growth, year on year
Net income growth, year on year
Net margin
Revenue run-rate vs trailing 12 months
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in M And T Bank reports; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across M And T Bank and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| M and t Bank Corporation | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
| High-Confidence Competitors (6) | $12,345M | +12.3% · Accelerating |
| Similar-Size Competitors (6) | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across M And T Bank's competitor groups requires a Commercial License.
For context: the Regional Banks industry grew revenue 7.4% year over year, combined, vs 6.2% for M And T Bank. M And T Bank's share of combined industry revenue moved from 1.47% to 1.46%, a loss of 0.02 percentage points.
M And T Bank's Competitor Quality Breadth
Share of each group, trailing 12 months: profitable (net margin > 0), expanding (revenue growth > 0), growing faster than the industry's own median, and financially distressed (Piotroski F-Score of 2 or below).
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| M and t Bank Corporation | Yes | Yes | No | No |
| Competitors combined (235) | ||||
| High-Confidence Competitors (8) | ||||
| Similar-Size Competitors (10) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
MTB Stock Performance relative to its Competitors
MTB Stock Performance relative to High-Confidence Competitors
MTB Stock Performance relative to Similar-Size Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Old Point Financial Corp | 282.9% | Outperformed |
| 2 | Optimumbank Holdings Inc | 282.9% | Outperformed |
| 3 | Brookline Bancorp inc | 282.9% | Outperformed |
| 4 | Lionsgate Studios Corp | 282.9% | Outperformed |
| 5 | Community Ban corp | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for M And T Bank's best-performing competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
M And T Bank's Comment on Competition and Industry Peers
Publicly Traded Peers of M and t Bank Corporation
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
 M and t Bank Corporation |
32,989.00 | 9,451.00 |
 Jpmorgan Chase and Co |
930,307.26 | 186,328.00 |
 Bank Of America Corporation |
378,605.45 | 121,098.00 |
 General Electric Company |
323,782.23 | 52,575.00 |
 Wells Fargo and Company |
260,292.95 | 85,055.00 |
 Citigroup inc |
225,125.76 | 88,262.00 |
| SUBTOTAL | 3,642,445.22 | 1,119,794.90 |
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Sources: M and t Bank Corporation's official press releases and company reports; CSIMarket.com's market research; and the company reports and press releases of the other companies cited.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on M and t Bank Corporation versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
M And T Bank's Competitors Named by the Company
Competitive relationships identified from M And T Bank reports and corroborating sources, each with a basis and confidence.| Competitor | Basis | Confidence |
|---|---|---|
| Blue Foundry Bancorp | Company report | 85% |
| Pioneer Bancorp Inc | Company report | 85% |
| Bogota Financial Corp | Company report | 85% |
| First Keystone Corporation | Company report | 85% |
| Evans Bancorp Inc | Company report | 85% |
| Bankunited inc | Company report | 85% |
| Pathfinder Bancorp Inc | Company report | 85% |
| Lpl Financial Holdings Inc | Company report | 85% |
| Wells Fargo and Company | Company report | 85% |
| Walker and Dunlop Inc | Company report | 85% |
| Flushing Financial Corporation | Company report | 85% |
| S and t Bancorp Inc | Company report | 85% |
| Capital one financial corp | Company report | 85% |
| Fifth Third Bancorp | Company report | 85% |
| Tcf Financial Corporation | Company report | 85% |
| Peoples United Financial Inc | Company report | 85% |
| Keycorp | Company report | 85% |
| Wintrust Financial Corp | Company report | 85% |
| The Bank Of New York Mellon Corporation | Company report | 85% |
| Valley National Bancorp | Company report | 85% |
| Regions Financial Corporation | Company report | 85% |
| Investors Bancorp Inc | Company report | 85% |
| Trustco Bank Corp Ny | Company report | 85% |
| Beacon Financial Corporation | Company report | 85% |
| Wesbanco Inc | Company report | 85% |
| Greene County Bancorp Inc | Company report | 85% |
| Santander Holdings Usa Inc | Company report | 85% |
| Huntington Bancshares Incorporated | Company report | 85% |
| Us Bancorp De | Company report | 85% |
| Lendingclub Corporation | Company report | 85% |
| Chemung Financial Corp | Company report | 85% |
| Sterling Bancorp | Company report | 85% |
| Comerica Incorporated | Company report | 85% |
| First Horizon Corp | Company report | 85% |
| Fulton Financial Corp | Company report | 85% |
| Pnc Financial Services Group Inc | Company report | 85% |
| Northern Trust Corporation | Company report | 85% |
| Jpmorgan Chase and Co | Company report | 85% |
| Tristate Capital Holdings Inc | Company report | 85% |
| Webster Financial Corporation | Company report | 85% |
| Tompkins Financial Corp | Company report | 85% |
| Northwest Bancshares inc | Company report | 85% |
| Truist Financial Corporation | Company report | 85% |
| Hills Bancorporation | Company report | 85% |
| Amalgamated Financial Corp | Company report | 85% |
| Citizens Financial Services Inc | Company report | 85% |
| Two River Bancorp | Company report | 85% |
| Home Bancshares Inc | Company report | 85% |
| Middleburg Financial Corp | Company report | 85% |
| Isabella Bank Corp | Company report | 85% |
| Bancorp Of New Jersey, Inc. | Company report | 85% |
| Atlantic Capital Bancshares inc | Company report | 85% |
| Essa Bancorp Inc | Company report | 85% |
| William Penn Bancorporation | Company report | 85% |
| Pennymac Financial Services inc | Company report | 85% |
| Texas Capital Bancshares Inc | Company report | 85% |
| Orange County Bancorp inc | Company report | 85% |
| Mizuho Financial Group Inc | Company report | 85% |
| Princeton Bancorp Inc | Company report | 85% |
| Bank Of America Corporation | Company report | 85% |
| Republic First Bancorp Inc | Company report | 85% |
| Western Alliance Bancorporation | Company report | 85% |
| Prudential Bancorp Inc | Company report | 85% |
| Ccfnb Bancorp Inc | Company report | 85% |
| Citigroup inc | Company report | 85% |
| Juniata Valley Financial Corp | Company report | 85% |
| Partners Bancorp | Company report | 85% |
| Fb Financial Corporation | Company report | 85% |
| Orrstown Financial Services Inc | Company report | 85% |
| Summit Financial Group Inc | Company report | 85% |
| Bank Of The James Financial Group Inc | Company report | 85% |
| Sb One Bancorp | Company report | 85% |
| Franklin Financial Network Inc | Company report | 85% |
| Great Western Bancorp Inc | Company report | 85% |
| Village Bank and Trust Financial Corp | Company report | 85% |
| Connectone Bancorp Inc | Company report | 85% |
| STEELE BANCORP INC | Company report | 85% |
| Xenith Bankshares, Inc. | Company report | 85% |
| Heartland Financial Usa Inc | Company report | 85% |
| Bcsb Bancorp Inc. | Company report | 85% |
| Eagle Bancorp Inc | Company report | 85% |
| URSB Bancorp, Inc. | Company report | 85% |
| Pacwest Bancorp | Company report | 85% |
| John Marshall Bancorp inc | Company report | 85% |
| Seacoast Banking Corporation Of Florida | Company report | 85% |
| Monarch Financial Holdings, Inc. | Company report | 85% |
| Bnc Bancorp | Company report | 85% |
| Arrow Financial Corporation | Company report | 85% |
| F and m Bank Corp | Company report | 85% |
| Mufg Americas Holdings Corporation | Company report | 85% |
| Patapsco Bancorp Inc | Company report | 85% |
| Bancorpsouth Inc | Company report | 85% |
| Popular Inc | Company report | 85% |
| Glen Burnie Bancorp | Company report | 85% |
| Skyline Bankshares Inc | Company report | 85% |
| Citizens Bancorp Of Virginia Inc | Company report | 85% |
| Citizens Financial Group Inc | Company report | 85% |
| Norwood Financial Corp | Company report | 85% |
| First Financial Bancorp | Company report | 85% |
| Qnb Corp | Company report | 85% |
| Acnb Corporation | Company report | 85% |
| Royal Bancshares Of Pennsylvania Inc | Company report | 85% |
| Nbt Bancorp Inc | Company report | 85% |
| First Citizens Banc Corp | Company report | 85% |
| First Merchants Corp | Company report | 85% |
| Unity Bancorp inc | Company report | 85% |
| C and F Financial Corporation | Company report | 85% |
| Sr Bancorp Inc | Company report | 85% |
| Gouverneur Bancorp, Inc./MD/ | Company report | 85% |
| Hsbc Usa Inc | Company report | 85% |
| Atlantic Union Bankshares Corporation | Company report | 85% |
| Citizens and Northern Corporation | Company report | 85% |
| United Bancshares Inc | Company report | 85% |
| National Bank Holdings Corp | Company report | 85% |
| Highlands Bancorp, Inc. | Company report | 85% |
| Renasant Corp | Company report | 85% |
| Metropolitan Bank Holding Corp | Company report | 85% |
| Bm Technologies Inc | Company report | 85% |
| Ally Financial Inc | Company report | 85% |
| Community bankers trust corp | Company report | 85% |
| Old Line Bancshares Inc | Company report | 85% |
| Mackinac Financial Corp | Company report | 85% |
| Blue Ridge Bankshares Inc | Company report | 85% |
| Primis Financial Corp | Company report | 85% |
| Wilson Bank Holding Co | Company report | 85% |
| Pcb Bancorp | Company report | 85% |
| Cnb Corp | Company report | 85% |
| Cathay General Bancorp | Company report | 85% |
| Lakeland Bancorp Inc | Company report | 85% |
| Rbb Bancorp | Company report | 85% |
| FB Bancorp, Inc. /MD/ | Company report | 85% |
| East West Bancorp inc | Company report | 85% |
| Parke Bancorp Inc | Company report | 85% |
| Flagstar Bank National Association | Company report | 85% |
| The Community Financial Corporation | Company report | 85% |
| Cb Financial Services Inc | Company report | 85% |
| Security Midwest Bancorp, Inc. | Company report | 85% |
| Zions Bancorporation National Association | Company report | 85% |
| Fvcbankcorp Inc | Company report | 85% |
| Wvs Financial Corp | Company report | 85% |
| Customers Bancorp Inc | Company report | 85% |
| Standard Avb Financial Corp | Company report | 85% |
| Hanover Bancorp Inc | Company report | 85% |
| Hancock Whitney Corporation | Company report | 85% |
| Beacon Federal Bancorp, Inc. | Company report | 85% |
| Allegiance Bancshares Inc. | Company report | 85% |
| Embassy Bancorp Inc | Company report | 85% |
| Vsb Bancorp Inc | Company report | 85% |
| Prosperity Bancshares Inc | Company report | 85% |
| Linkbancorp Inc | Company report | 85% |
| Svb Financial Group | Company report | 85% |
| Mainstreet Bancshares Inc | Company report | 85% |
| C1 Financial, Inc. | Company report | 85% |
| Associated Banc corp | Company report | 85% |
| Franklin Financial Services Corporation | Company report | 85% |
| Uwharrie Capital Corp | Company report | 85% |
| Pb Bankshares Inc | Company report | 85% |
| The First Bancshares Inc | Company report | 85% |
| Cape Bancorp, Inc. | Company report | 85% |
| Brookline Bancorp inc | Company report | 85% |
| Howard Bancorp Inc | Company report | 85% |
| Park Sterling Corp | Company report | 85% |
| Eastern Virginia Bankshares Inc | Company report | 85% |
| New Peoples Bankshares Inc | Company report | 85% |
| Quaint Oak Bancorp Inc | Company report | 85% |
| Bryn Mawr Bank Corp | Company report | 85% |
| Richmond Mutual Bancorporation Inc | Company report | 85% |
| Columbia Banking System Inc | Company report | 85% |
| Farmers And Merchants Bancshares Inc | Company report | 85% |
| Univest Financial Corporation | Company report | 85% |
| Century Bancorp Inc | Company report | 85% |
| Ssb Bancorp Inc | Company report | 85% |
| Highlands Bankshares Inc | Company report | 85% |
| Hilltop Holdings Inc | Company report | 85% |
| Bay Banks Of Virginia Inc | Company report | 85% |
| Eagle Financial Services Inc | Company report | 85% |
| United Community Financial Corp | Company report | 85% |
| Hv Bancorp Inc | Company report | 85% |
| Sandy Spring Bancorp Inc | Company report | 85% |
| Metro Bancorp, Inc. | Company report | 85% |
| Beneficial Bancorp Inc. | Company report | 85% |
| American River Bankshares | Company report | 85% |
| First Community Bankshares Inc | Company report | 85% |
| Oritani Financial Corp | Company report | 85% |
| Merchants Bancorp | Company report | 85% |
| Ballston Spa Bancorp, Inc. | Company report | 85% |
| Bok Financial Corp | Company report | 85% |
| First National Corp | Company report | 85% |
| Wsfs Financial Corporation | Company report | 85% |
| Pcsb Financial Corporation | Company report | 85% |
| Communityone Bancorp | Company report | 85% |
| Commerce Bancshares Inc | Company report | 85% |
| Mid Penn Bancorp Inc | Company report | 85% |
| Penns Woods Bancorp inc | Company report | 85% |
| Rhinebeck Bancorp inc | Company report | 85% |
| Fauquier Bankshares Inc | Company report | 85% |
| First Citizens Bancshares Inc | Company report | 85% |
| First Midwest Bancorp Inc | Company report | 85% |
| United Bankshares Inc | Company report | 85% |
| Cnb Financial Corp | Company report | 85% |
| Southern Community Financial Corp | Company report | 85% |
| Fox Chase Bancorp Inc | Company report | 85% |
Company report basis, confidence, active dates and source counts for M And T Bank's named competitors require a Commercial License.
Methodology: relationships are extracted from M And T Bank reports (named-competitor disclosures) and corroborating sources. Confidence reflects evidence strength.
M And T Bank's Business Segment Mix vs Peers
Revenue by operating segment or division, as named and reported by each company. Segment names are the filer's own and are not standardized across companies. Do not assume a same-named or similarly-named segment is defined identically between two companies. Shares are of each company's own total revenue and are not required to sum to 100% (intersegment revenue, unallocated items).| Company | Largest Segment |
|---|---|
| General Electric Company | Commercial Engines and Services, Reportable 73.25 % |
| Citigroup inc | Markets 29.42 % |
| Schwab Charles Corp | Investor Services 78.17 % |
| D r Horton Inc | HomeBuildingOps 94.14 % |
| Citizens Financial Group Inc | Consumer Banking 73.64 % |
Source: operating segment revenue as reported in each company's reports (10-K/10-Q), via the CSIMarket API, leaf-level reportable segments only (parent roll-up segments are excluded where sub-segments are separately disclosed).
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M And T Bank's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| M and t Bank Corporation | 32,989 | 422,334 | 129,994 |
| Jpmorgan Chase and Co | 930,307 | 584,995 | 200,752 |
| Bank Of America Corporation | 378,605 | 568,535 | 158,005 |
| General Electric Company | 323,782 | 922,368 | 159,930 |
| Wells Fargo and Company | 260,293 | 355,879 | 96,699 |
| Citigroup inc | 225,126 | 390,540 | 72,049 |
| PEERS TOTAL | 3,609,456 | 542,513 | 132,195 |
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M And T Bank's Geographic Revenue Exposure vs Peers
Revenue by country/region as reported in each company's most recent report. Disclosure granularity varies by filer (some report by country, others by broad region) and is shown as disclosed.| Company | Largest Market |
|---|---|
| Aci Worldwide Inc | United States 64.29 % |
| Enova International Inc | US 97.55 % |
| Lionsgate Studios Corp | UNITED STATES 64.70 % |
| Brc Group Holdings Inc | North America 93.52 % |
Source: revenue geography as reported in each company's reports (10-K/10-Q), via the CSIMarket API. Percentages are of that company's own total consolidated revenue for its most recent reported period.
M And T Bank's Position in Industry Market Structure
Market-capitalization share and concentration across all 198 companies in M And T Bank's industry classification, broader than the peer set above. Market cap in millions of $.M And T Bank ranks #6 of 198 companies by market capitalization in its industry, holding 4.27 % of total industry market cap. The industry's Herfindahl-Hirschman Index (HHI) is 523, indicating a unconcentrated market structure (U.S. antitrust guidance: below 1,500 unconcentrated, 1,500 to 2,500 moderately concentrated, above 2,500 highly concentrated).
| Rank | Company | Market Cap | Industry Share |
|---|---|---|---|
| 1 | Bank Of Nova Scotia | 118,675 | 15.37 % |
| 2 | Deutsche Bank Aktiengesellschaft | 69,756 | 9.03 % |
| 3 | Fifth Third Bancorp | 49,865 | 6.46 % |
| 4 | State Street Corp | 49,206 | 6.37 % |
| 5 | Ita Unibanco Holding S a | 1,234 | 5.2% |
| 6 | M and t Bank Corporation | 32,989 | 4.27 % |
| 7 | Northern Trust Corporation | 1,234 | 5.2% |
| 8 | Citizens Financial Group Inc | 1,234 | 5.2% |
| 9 | First Citizens Bancshares Inc | 1,234 | 5.2% |
| 10 | East West Bancorp inc | 1,234 | 5.2% |
Market cap and industry share for the rest of M And T Bank's industry peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation) across CSIMarket's industry classification, market capitalization as of 2026-10-29.
M And T Bank's Same-Size Peers & Stock Performance
Peers chosen by closeness in market-cap rank within the same industry classification (not the named-competitor list above). Trailing 12-month total return, 3-month price momentum, beta and Sharpe ratio vs the broad U.S. market.| Rank | Company | Market Cap | TTM Return |
|---|---|---|---|
| 1 | Bank Of Nova Scotia | 118,675 | 45.40 % |
| 2 | Deutsche Bank Aktiengesellschaft | 69,756 | 0.72 % |
| 3 | Fifth Third Bancorp | 49,865 | 28.76 % |
| 4 | State Street Corp | 49,206 | 53.25 % |
| 5 | Ita Unibanco Holding S a | 1,234 | 12.3% |
| 6 | M and t Bank Corporation | 32,989 | 23.91 % |
| 7 | Northern Trust Corporation | 1,234 | 12.3% |
| 8 | Citizens Financial Group Inc | 1,234 | 12.3% |
| 9 | First Citizens Bancshares Inc | 1,234 | 12.3% |
| 10 | East West Bancorp inc | 1,234 | 12.3% |
| 11 | Bank Bradesco | 1,234 | 12.3% |
Market cap, return, momentum, beta and Sharpe ratio for the rest of M And T Bank's same-size peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation); returns and risk metrics as of 2026-10-29. Beta and Sharpe ratio are versus the broad U.S. equity market, not this industry.
M And T Bank's Profitability & Cost Structure
Trailing 12-month margins from SEC-filed financials. Operating margin is compared to the Regional Banks industry median; gross margin, EBITDA margin and capital intensity are compared to the live industry average (11 companies). See the full Regional Banks industry profitability benchmarks.| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | - | 11.09 % (avg) | - |
| Operating Margin | - | industry median | - |
| EBITDA Margin | 0.46 % | 10.83 % (avg) | -10.4 pp |
| Capital Intensity (Capex / Revenue) | 2.21 % | 4.36 % (avg) | -2.2 pp |
Source: CSIMarket API, trailing 12 months. SG&A and R&D as a share of revenue have limited coverage as this data is backfilled and appear only where reported. Higher capital intensity is not inherently negative; it reflects the industry's asset requirements.
M And T Bank's Valuation vs Competitive Position
Valuation multiples vs the Regional Banks industry average (11 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns. See the full Regional Banks industry valuation benchmarks.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | 11.6x | 12.5x | -0.9x |
| EV / EBITDA | 6.2x | 7.4x | -1.2x |
| P/B | 1.1x | 1.3x | -0.2x |
| Return on Equity | 0.11 % | industry aggregate | -10.77 % |
| Return on Invested Capital | - | 2.12 % (avg) | - |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
M And T Bank's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in company reports.| Metric | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue Growth | 6.08 % | 3.79 % | -14.31 % | 17.69 % | 26.29 % | 17.44 % | -3.66 % | 5.95 % |
| Operating Margin | 43.27 % | 42.34 % | 34.33 % | 40.47 % | 34.08 % | - | - | - |
| Return on Invested Capital | 6.04 % | 6.22 % | 4.45 % | 6.16 % | 1.90 % | 1.55 % | 1.38 % | 5.02 % |
| P/E | 12.4x | 12.1x | 12.8x | 11.6x | 14.8x | 8.0x | 13.6x | 11.3x |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
M And T Bank's BCG Growth-Share Matrix
Relative market share (vs M And T Bank's largest competitor by market cap) against industry revenue growth, using the standard textbook thresholds (1.0x share, 10% growth) a common framework, not a precision instrument.
M And T Bank falls in the Question Mark quadrant: relative market share of 0.28x vs its largest competitor, in an industry growing revenue 11.7% (median, trailing 12 months).
Source: CSIMarket API (market-cap share and industry revenue growth). The 10% growth and 1.0x share lines are standard textbook thresholds, not derived from this industry's own distribution.
M And T Bank's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Competitive Rivalry | High | Industry HHI of 523 (see Industry Market Structure & Concentration above) |
| Barriers to Entry | Lower than typical for the industry | Capital intensity (capex / revenue) of 2.21 % vs industry average 4.36 % (see Profitability & Cost Structure above) |
Note: this is a partial, data-grounded application of the framework, not a complete strategic assessment. Rivalry and barriers-to-entry readings are mechanical translations of the HHI and capital-intensity figures shown elsewhere on this page, not independent judgments. Supplier power and buyer power are not assessed here -- see M And T Bank's dedicated Suppliers and Customers pages for concentration data; threat of substitutes has no systematic data source in this system and is not estimated.
M And T Bank's Industry Attractiveness & Competitive Strength
A CSIMarket composite, not a standard field: each axis is an equal-weighted average of three factors already shown elsewhere on this page (industry growth, industry profitability and rivalry for attractiveness; relative market share, profitability and growth vs industry for strength). Disclosed as a designed methodology, not a precision measurement.
M And T Bank falls in the Medium attractiveness / Low strength cell: Harvest.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
M And T Bank's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
- Latest-quarter revenue run-rate is accelerating (+2.1% annualized vs trailing 12 months).
- Outperforming the U.S.A. 500 over the trailing 12 months.
Weaknesses
- Return on equity 10.8 points below the industry aggregate.
- Low relative market share vs the industry leader (0.28x).
Opportunities
- Industry revenue growing at a healthy 11.7% median pace.
Threats
No rule matched.
Methodology: mechanical, rule-based SWOT. Each bullet reuses a figure already sourced and cited elsewhere on this page; nothing here is generated narrative or independent analyst judgment.
M And T Bank's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| M and t Bank Corporation | 0.03 | 0.15 | 0.57 |
| Jpmorgan Chase and Co | 0.17 | 0.42 | 1.40 |
| Bank Of America Corporation | 0.09 | 0.52 | 1.25 |
| General Electric Company | - | 0.90 | 1.09 |
| Wells Fargo and Company | 0.11 | 0.80 | 1.16 |
| Citigroup inc | 0.01 | 0.40 | 1.75 |
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Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
M And T Bank's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| M and t Bank Corporation | Q2 2026 | +6.2 % | +20.2 % |
| Jpmorgan Chase and Co | Q2 2026 | +30.4 % | +44.0 % |
| Bank Of America Corporation | Q2 2026 | +15.0 % | +27.5 % |
| General Electric Company | Q3 2026 | +15.9 % | +6.2 % |
| Wells Fargo and Company | Q3 2026 | +5.4 % | +6.9 % |
| Citigroup inc | Q1 2026 | +14.1 % | +44.6 % |
| PEERS TOTAL | +16.5 % | +40.9 % |
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Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
M And T Bank's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| M and t Bank Corporation | Q2 2026 | - | -19.2 % |
| Jpmorgan Chase and Co | Q2 2026 | -6.4 % | - |
| Bank Of America Corporation | Q2 2026 | - | - |
| General Electric Company | Q3 2026 | +450.6 % | +9.4 % |
| Wells Fargo and Company | Q3 2026 | +31.5 % | - |
| Citigroup inc | Q1 2026 | - | -6.7 % |
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M And T Bank's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| M and t Bank Corporation | 1.35% | 3.30% | 10.22% |
| Jpmorgan Chase and Co | 1.35% | 3.71% | 17.50% |
| Bank Of America Corporation | 0.97% | 2.76% | 11.13% |
| General Electric Company | 7.10% | 11.24% | 50.08% |
| Wells Fargo and Company | 1.04% | 1.18% | 12.78% |
| Citigroup inc | 0.61% | 0.65% | 7.62% |
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ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
M And T Bank's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| M and t Bank Corporation | 11.96 | 3.49 |
| Jpmorgan Chase and Co | 14.54 | 4.99 |
| Bank Of America Corporation | 11.96 | 3.13 |
| General Electric Company | 35.96 | 6.16 |
| Wells Fargo and Company | 12.10 | 3.06 |
| Citigroup inc | 15.77 | 2.55 |
| PEERS AVERAGE | 13.32 | 3.25 |
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P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.