Mulya.ai
Ticker
MTB
Scenario
Key Inputs
Revenue est.?Analysttaper yr3
OP margin est.?Analyst
Reinvestment est.?projected
R&D capitalizedNo
Leases factoredNo
Key Assumptions
WACC ?8.8%
ERP ?4.5%
Risk-free rate ?4.1%
Beta (blended) ?0.771
Beta (levered) ?1.020
Terminal OM% ?28.1%
Segment conc. ?62% dominant
Terminal growth ?4.1%
Bond rating ?B- · 5.00%
ROIC option ?Opt 1 · 8.6%
Prob of failure ?0.0%
Pipeline validated · 2026-05-17

MTB · M&T Bank Corporation

$210.162026-05-17
Sector: Financial Services; Industry: Banks - Regional; Sub-Industry: Regional Banks

Intrinsic Value Range Comparison · Mulya.ai

Bull
$639
+203.9% vs market
Base · active
$520
+147.3% vs market
Bear
$446
+112.3% vs market
Mulya.ai vs Analyst IV Comparison?
Market $210
Median $230
Bear $446
Base $520
Bull $639
Market Price $210
Mulya.ai Base $520
Analysts Median $230
Mulya.ai IV range ($446 · $639)
Analysts Range ($208 · $255)
Fundamentals · historical + forward · base
italics = DCF projection
PeriodRevenueRev Gr ?Ops M% ?Tax Rate ?NOPAT ?
Reinvest ?
FCFF ?WACC% ?PV FCFF ?ROIC ?Inv. Cap ?EPS ?P/E
2021.Q4$6.1B40.4%24.3%$1.9B$697MM$2.6B5.0%0.0%−$25.8B$11.87
2022.Q4$8.4B38.9%31.0%23.7%$2.0B$2.0B$4.0B6.6%0.0%−$4.5B$12.72
2023.Q4$12.5B48.2%28.9%24.2%$2.7B$606MM$3.3B6.4%0.0%$128MM$17.51
2024.Q4$13.4B7.2%24.7%21.8%$2.6B$213MM$2.8B7.1%69.1%$7.4B$16.53
2025.Q4$12.3B-8.2%30.0%22.8%$2.9B−$963MM$1.9B6.9%0.0%−$13.2B$18.218.9
italics below = DCF projection · 10yr Rev CAGR: 1.4%
2026.Q4$10.0B+-18.8%38.1%22.5%$3.0B$0MM$3.0B8.8%$2.7B0.0%−$13.2B$18.8611.1
2027.Q4$10.4B+3.7%41.0%22.2%$3.3B−$39MM$3.3B8.8%$2.8B0.0%−$13.1B$21.139.9
2028.Q4$10.8B+3.8%41.0%21.9%$3.4B−$23MM$3.4B8.7%$2.7B0.0%−$13.1B$22.009.6
2029.Q4$11.2B+3.8%41.0%21.7%$3.6B−$16MM$3.6B8.7%$2.6B0.0%−$13.1B$22.929.2
2030.Q4$11.6B+3.9%41.0%21.4%$3.7B−$13MM$3.7B8.7%$2.5B0.0%−$13.1B$23.898.8
Term. Yr+$14.7B4.1%28.1%20.0%$3.3B−$1.6B$1.7B8.6%$16.7B8.6%
Active scenario IV: $520 (+147.3% vs market)