Profitability
Weight: 25%
C-
50
Scored using efficiency ratio — bank-archetype substitution.
- Efficiency Ratio (FY2025) 62.6%
- Efficiency Ratio Trend +0.20 pp/yr
MTB
M&T Bank Corporation
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
D+
41
- 5yr Avg ROE 9.4%
- 5yr Share-Count CAGR 4.0%
Growth Quality
Weight: 15%
B-
67
Scored using revenue growth cross-checked against efficiency-ratio trend — bank-archetype substitution.
- 5yr Revenue CAGR 14.4%
- Efficiency Ratio Trend (growth quality check) +0.20 pp/yr
- Revenue-Growth Years (5) 3/5
Cash Generation
Weight: 15%
B+
79
Scored using efficiency-ratio stability — bank-archetype substitution.
- Efficiency Ratio Stability (σ) 0.03
Balance Sheet
Weight: 20%
A
91
Scored using equity-to-assets — bank-archetype substitution.
- Equity / Assets 13.7%
Stability
Weight: 10%
B-
69
- EPS Volatility (σ/μ) 0.27
- Negative-Revenue Years (5) 2/5
- Piotroski F-Score 8
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.3 of 4 gurus held; 2 added; 2 full exits.
- Holders
- 3 -1
- Avg Δ position
- +26.4%
- New buys
- 0
- Full exits
- 2
- Laffont sold -100%
- Wood sold -100%
- Greenblatt increased +41%