Fair value (multi-method)
Four independent methods triangulate what MTB is worth. The headline is the Forward-DCF intrinsic value at a normalized growth rate; the margin of safety compares it to the current price.
Estimated fair value (Forward DCF)
$744.25
Method range
$125.19 – $744.25
median $219.02
Valuation methods
Each method’s implied fair value per share and its upside versus the current price. Missing methods (no analyst coverage, negative earnings, etc.) are shown as “—”.
| Method | Fair value | Upside vs price |
|---|---|---|
| Forward DCF | $744.25 | +234.58% |
| Exit multiple | $200.33 | -9.94% |
| Analyst target | $237.71 | +6.86% |
| Graham number | $125.19 | -43.72% |
- Forward DCF$744.25
- Exit multiple$200.33
- Analyst target$237.71
- Graham number$125.19
Stock price
$222.44
FCF / share (TTM)
$5.61
3Y FCF CAGR
-2.1%
Fair value @ hist. growth
$79.86
This analysis is for informational purposes only and is not financial advice. Scenario prices and DCF-style figures depend on your assumptions and data from public filings and estimates. They are not forecasts of future returns.
Implied FCF growth
10.8%
per year over your projection horizon
Margin of safety -178.5% vs hist-growth DCF
Historical 3Y CAGR
-2.1%
Your model implies
10.8%
Analyst consensus is EPS-only — no comparable FCF / share estimate to show on this basis.
Model inputs
Move sliders to test how the reverse DCF reacts. Historical-growth markers show where the company has actually grown over the last cycle.
Undiscounted FCF per share over 10 years at -2% annual growth.
Sensitivity — implied growth vs your assumptions
Each cell shows the per-share growth rate the market would need to justify the current price at that combination of discount rate (rows) and terminal growth (columns). Your selected inputs are highlighted.
| Row axis: discount rate. Column axis: terminal growth.Terminal g →↓ Discount | 1.5% | 2.0% | 2.5% | 3.0% | 3.5% |
|---|---|---|---|---|---|
| 5.5% | 6.8% | 5.6% | 4.2% | 2.5% | 0.4% |
| 6.5% | 9.8% | 8.9% | 7.8% | 6.5% | 5.1% |
| 7.5% | 12.5% | 11.7% | 10.8% | 9.8% | 8.7% |
| 8.5% | 14.9% | 14.2% | 13.4% | 12.6% | 11.7% |
| 9.5% | 17.1% | 16.5% | 15.9% | 15.2% | 14.4% |
Historical multiples
Each bar is the trailing five-year range (low left, high right). Filled portion runs from low to today; the dot marks today; the small tick marks the five-year median. Low, median, and high are listed under each bar.
Net cash
$5.7B
Total debt − cash
Beta
0.59
Vs market benchmark
Frequently asked questions
M&T Bank (MTB) Key Financials
Charts, filings, and peer comparison for every metric
Explore more
Deep-dives across the income statement, cash flow, capital return, and valuation