M&T Bank Corporation (MTB) scored on five pillars from its reported financial statements, and ranked against 261 Financials companies.
M&T Bank Corporation (MTB) scores 6.2 out of 10 as of , computed from its reported financial statements. That reads as solid quality. The reading rests on solvency, and predictability is what holds it back.
Data provided by Twelve Data. Scores are computed by Lemma Analysis from reported financials.
M&T Bank Corporation’s returns on capital beat their cost in most measured years: 2 of 4 indicators passed.
Quantitative signs of a moat, read from the filed statements. This is not a judgement of where it comes from (brand, network effects, switching costs). How Lemma measures a moat →
The Quality Score for MTB stands at 6.2 out of 10 as of October 16, 2026, which puts M&T Bank Corporation in the solid quality band. This band covers companies that do several things well but not everything, so the pillar detail below matters more than the headline. It rolls M&T Bank Corporation’s profitability, solvency, growth, efficiency and predictability into one number, each judged against the norms of its sector.
Set against 261 Financials companies, M&T Bank Corporation lands at the 63rd percentile, in the upper half of the group, short of the top quarter. A typical company in the group scores 5.9, and the best quarter starts from 6.8. M&T Bank Corporation is in line with that typical reading.
M&T Bank Corporation’s profitability score is 6.8 out of 10 (average). Against a median of 6.8 among 255 Financials companies, that is in line with the group and the 49th percentile. An average profitability reading usually means the company earns a fair return without obvious pricing power, so the other pillars decide more of the story.
On solvency, M&T Bank Corporation scores 7.3, a strong reading. Its peers have a median of 8.5 across 140 Financials companies, which places it below them, at the 32nd percentile. Middling solvency says the balance sheet is neither a strength nor a constraint today.
M&T Bank Corporation’s growth score is 6.4 out of 10 (average). Against a median of 4.6 among 241 Financials companies, that is well above the group and the 76th percentile. A middling growth reading is typical of a mature company whose next step depends on reinvestment rather than on its market growing for it.
On efficiency, M&T Bank Corporation scores 5.6, an average reading. Its peers have a median of 5.8 across 211 Financials companies, which places it in line with them, at the 44th percentile. Middling efficiency is unremarkable on its own, though improvements here tend to show up in free cash flow first.
M&T Bank Corporation’s predictability score is 4.8 out of 10 (average). Against a median of 4.9 among 256 Financials companies, that is in line with the group and the 48th percentile. Consistency near the median is typical, and it is worth checking whether the swings came from the business itself or from one-off items.
Solvency at 7.3 is M&T Bank Corporation’s best pillar and predictability at 4.8 its weakest. The 2.5 point gap between them is worth keeping in mind when reading the overall. Leading with solvency is a defensive strength: it protects the business more than it grows it. Uneven results make any single year a weaker guide to the next one.
Of everything that could lift M&T Bank Corporation’s score, solvency matters most. Bringing it up to the 8.5 median of Financials companies would take the overall from 6.2 to roughly 6.4. The weights add up to 100 points (profitability 25, solvency 20, growth 20, efficiency 15, predictability 20), and M&T Bank Corporation has a reading on every pillar.
For a fair comparison, start with companies of a similar size: the Financials companies below are nearest to M&T Bank Corporation by market value, each scored on the same pillars.
How much profit the company generates from its capital and sales.
The company’s ability to service debt and meet its obligations.
How fast revenue, earnings and cash flow are compounding.
How well assets and earnings convert into cash and output.
How stable and consistent results have been over time.
Each metric is scored from 0 to 10 against sector-aware benchmarks, where higher is better. Metrics roll up into five pillars, and the pillars combine into the overall score using the weights shown. Sector-sensitive metrics are judged relative to peers in the same sector.
This score is a systematic, backward-looking read of reported fundamentals. It does not judge valuation, management quality, competitive moat, or future prospects, and can be distorted by one-off items or unusual accounting. Treat it as a starting point, not a recommendation.
Educational only. Not investment advice.
On this reading M&T Bank Corporation scores 6.2 out of 10, which reads as solid quality. Its strongest pillar is solvency, its weakest is predictability. Quality is not the same as a good investment: the score says nothing about the price you would pay.
M&T Bank Corporation ranks at the 63rd percentile of the 261 Financials companies Lemma publishes a score for. The median there is 5.9 and the top quarter starts at 6.8, against M&T Bank Corporation’s 6.2.
Five pillars, each scored from 0 to 10 against sector-aware benchmarks and then weighted into one overall reading: profitability, solvency, growth, efficiency and predictability. Everything comes from reported financials, and nothing comes from price, sentiment or forecasts.
This page last changed on October 16, 2026. The score moves with the financial statements, so the page changes when a new filing moves the reading rather than on a schedule. Live figures for MTB are in the app.
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