Profitability
Weight: 25%
C
55
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 1.1%
- Operating Margin Trend -2.71 pp/yr
MTB
M&T Bank Corporation
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
C
51
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 11.7%
- 5yr Share-Count CAGR 5.0%
Growth Quality
Weight: 10%
A-
85
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 12.0%
- 5yr EPS CAGR 5.4%
- Positive-EPS Years (5) 5/5
Cash Generation
Weight: 5%
A+
97
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 1.53x
Balance Sheet
Weight: 30%
B-
68
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 13.7%
- Interest Coverage (EBIT/Int) 1.04x
Stability
Weight: 10%
B-
65
- EPS Volatility (σ/μ) 0.27
- Piotroski F-Score 7
- Negative-Revenue Years (5) 2/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.4 of 4 gurus held; 2 new buys; 2 trimmed; 1 full exit.
- Holders
- 4 +1
- Avg Δ position
- -44.4%
- New buys
- 2
- Full exits
- 1