---
title: M&T Bank (MTB) — bank health card
canonical: https://sweetvaluelab.com/tools/bank-stocks/mtb
ticker: MTB
tier: Regional
as_of: 2026-10-26
---
# M&T Bank (MTB) — bank health

M&T Bank, Regional, trades at 1.64× tangible book against a 15.3% return on tangible common equity, a 7% discount to the return-driven theory line. Prices as of Oct 26, 2026; trailing-twelve-month figures through Sep 30, 2026.

## The card

| Figure | MTB | Regional average (10) |
| --- | ---: | ---: |
| Price | $221.80 |  |
| P/TBV | 1.64× |  |
| Tangible book per share | $135.38 |  |
| P/E | 11.6 |  |
| EPS (TTM) | $19.18 |  |
| Dividend per share (TTM) | $6.00 |  |
| Dividend yield | 2.7% |  |
| Payout | 31.3% |  |
| ROTCE | 15.3% | 13.5% |
| ROA | 1.37% |  |
| Efficiency ratio | 53.6% | 62.8% |
| Net interest income share | 71.3% | 76.4% |
| Credit cost | 5.21% | 4.01% |
| AOCI / TCE | 0.0% | −13.8% |
| CET1 | 10.2% |  |
| CET1 requirement | 7.2% |  |
| Total assets | $220.5B |  |
| Leverage (assets / TCE) | 11.2× |  |
| P/TBV at 9% / 10% / 11% ROTCE (theory) | 2.06× / 1.76× / 1.54× |  |

## Lights

No light is on.

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Source: https://sweetvaluelab.com/tools/bank-stocks/mtb (SweetValueLab, free, no account). Quarterly statements from Financial Modeling Prep, closes from the daily price cache; the engine's rules are on the board page. Research and educational data, not investment advice; nothing here is a recommendation to buy, sell or hold any security.