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M&T Bank Corporation
MTBFinancial ServicesNYSEUS
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $12.31B | 23.2% | $2.86B | $2.86B | N/A |
| 2027 | $12.80B | 23.2% | $2.97B | $2.97B | $2.70B |
| 2028 | $13.31B | 23.2% | $3.09B | $3.09B | $2.55B |
| 2029 | $13.85B | 23.2% | $3.21B | $3.21B | $2.41B |
| 2030 | $14.40B | 23.2% | $3.34B | $3.34B | $2.28B |
| 2031 | $14.98B | 23.2% | $3.47B | $3.47B | $2.16B |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $17.00 | 2025-12-31 |
| EPS growth | +16.2% | Forecast years: 5 |
| Future EPS | $36.015 | EPS × (1 + G)^5 |
| Base P/E | 11.5 | P/E |
| Future price | $414.17 | Future EPS × P/E |
| Fair value today | $257.17 | PV @ 10.0% |
| 30% safety price | $180.02 | Margin of safety |
| 50% safety price | $128.58 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | $577.02 | $611.15 | $657.70 |
| 10.0% | $542.38 | $567.55 | $600.46 |
| 11.0% | $515.05 | $534.21 | $558.48 |