Mulya.ai
Ticker
MTB
Scenario
Key Inputs
Revenue est.?Analyst
OP margin est.?Analyst
Reinvestment est.?avg_lt_ttm
R&D capitalizedNo
Leases factoredNo
Key Assumptions
WACC ?9.0%
ERP ?4.5%
Risk-free rate ?4.1%
Beta (blended) ?0.771
Beta (levered) ?1.097
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 · 2026-07-21

MTB · M&T Bank Corporation

$237.262026-07-21
Sector: Financial Services; Industry: Banks - Regional; Sub-Industry: Regional Banks

Intrinsic Value Range Comparison · Mulya.ai

Bull
$594
+150.4% vs market
Base · active
$477
+101.1% vs market
Bear
$405
+70.8% vs market
Mulya.ai vs Analyst IV Comparison?
Median $235
Market $237
Bear $405
Base $477
Bull $594
Market Price $237
Mulya.ai Base $477
Analysts Median $235
Mulya.ai IV range ($405 · $594)
Analysts Range ($225 · $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
2024.Q1$12.5B28.9%23.4%$2.8B$890MM$3.7B7.5%194.4%$1.4B$17.51
2024.Q4$12.5B0.0%28.9%21.8%$2.8B$213MM$3.0B7.1%64.4%$7.4B$17.51
2025.Q1$13.4B7.2%24.7%22.5%$2.6B$282MM$2.8B7.6%53.3%$2.3B$16.53
2025.Q4$13.4B0.0%24.7%22.8%$2.6B−$963MM$1.6B6.9%0.0%−$13.2B$16.53
2026.Q1$12.4B-7.8%30.7%22.7%$2.9B−$763MM$2.2B7.6%0.0%−$8.1B$18.729.8
italics below = DCF projection · 10yr Rev CAGR: 1.6%
2027.Q1$10.1B+-18.4%38.1%22.5%$3.0B$0MM$3.0B9.0%$2.7B0.0%−$8.1B$19.0612.4
2028.Q1$10.5B+3.9%40.8%22.2%$3.3B−$136MM$3.2B9.0%$2.7B0.0%−$7.9B$21.2411.2
2029.Q1$10.9B+4.0%40.8%21.9%$3.5B−$138MM$3.3B8.9%$2.6B0.0%−$7.8B$22.1710.7
2030.Q1$11.3B+4.1%40.8%21.6%$3.6B−$137MM$3.5B8.9%$2.5B0.0%−$7.7B$23.1510.2
2031.Q1$11.8B+4.1%40.8%21.4%$3.8B−$136MM$3.6B8.8%$2.4B0.0%−$7.5B$24.189.8
Term. Yr+$15.0B4.1%28.1%20.0%$3.4B−$1.6B$1.8B8.6%$16.9B8.6%
Active scenario IV: $477 (+101.1% vs market)