M&T Bank Corporation cash flow to debt ratio of 22.99% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

M&T Bank Corporation's free cash flow has decreased 15.73% from $3.39B last year to $2.86B, signaling decreasing performance

M&T Bank Corporation's debt to equity ratio is 0.65, which means that the company's assets are unhealthy financed, signaling financial risk.

M&T Bank Corporation's debt has increased relative to shareholder equity from 0.47 last year to 0.65 today, signaling weakened financials

M&T Bank Corporation has a net cash position, so leverage is healthy.

M&T Bank Corporation earns at least as much interest as it pays. Interest obligations are fully covered.

M&T Bank Corporation's profit margin has increased (26.38%) in the last year from 19.31% to 24.40%, signaling increasing performance

M&T Bank Corporation's short-term liabilities of $173.42B exceed its short-term assets of $55.42B, signaling financial risk

M&T Bank Corporation's return on assets of 1.38% is lower than the 5.00% threshold, indicating inefficient asset utilization

M&T Bank Corporation's return on equity of 10.66%, is lower than 15.00%, indicating bad performance

M&T Bank Corporation's operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

M&T Bank Corporation had positive net income in 5 out of 5 years, indicating stable and consistent earnings

M&T Bank Corporation has positive free cash flow, indicating the company generates cash after capital expenditures

M&T Bank Corporation has a free cash flow yield of 7.86%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

M&T Bank Corporation's yearly earnings has increased 10.16% since last year from $2.59B to $2.85B, signaling increasing performance

M&T Bank Corporation's yearly revenue has decreased 8.18% since last year from $13.40B to $12.31B, signaling decreasing performance

ROIC 1.46% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

M&T Bank Corporation's 3-year revenue CAGR of 13.41% is positive, indicating growing revenue over the past 3 years

M&T Bank Corporation had revenue growth in 3 out of 5 years, indicating consistent revenue performance

M&T Bank Corporation had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

M&T Bank Corporation is undervalued relative to its fair value price of 379.03 based on Discounted Cash Flow model

M&T Bank Corporation has an earnings yield of 7.40%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

M&T Bank Corporation is overvalued relative to its fair value price of 224.17 based on EBITDA multiple model

M&T Bank Corporation has insufficient data to compute enterprise value.

M&T Bank Corporation is undervalued relative to its fair value price of 440.64 based on Earnings Fair Value model

M&T Bank Corporation has a PEG-ratio over 1 which is considered overvalued

M&T Bank Corporation has a price-to-book ratio of 1.47x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

M&T Bank Corporation has a price-to-sales ratio of 3.30x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue