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MTB vs NTRS

MTB
M&T Bank Corporation
NEUTRAL
Price
$215.54
Market Cap
$32.01B
Sector
Financial Services
AI Confidence
85%
NTRS
Northern Trust Corporation
NEUTRAL
Price
$158.99
Market Cap
$30.07B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
MTB
12.11
NTRS
18.19
Forward P/E
MTB
10.32
NTRS
14.13
P/B Ratio
MTB
1.24
NTRS
2.45
P/S Ratio
MTB
3.44
NTRS
3.71
EV/EBITDA
MTB
--
NTRS
--

Profitability

Gross Margin
MTB
0.0%
NTRS
0.0%
Operating Margin
MTB
38.9%
NTRS
28.99%
Profit Margin
MTB
31.48%
NTRS
21.46%
ROE
MTB
10.29%
NTRS
13.49%
ROA
MTB
1.38%
NTRS
1.04%

Growth

Revenue Growth
MTB
5.7%
NTRS
8.2%
Earnings Growth
MTB
24.4%
NTRS
7.6%

Financial Health

Debt/Equity
MTB
--
NTRS
--
Current Ratio
MTB
--
NTRS
--
Quick Ratio
MTB
--
NTRS
--

Dividends

Dividend Yield
MTB
2.78%
NTRS
1.98%
Payout Ratio
MTB
32.85%
NTRS
35.47%

AI Verdict

MTB NEUTRAL

MTB presents a stark contrast between deep value and deteriorating fundamental health, highlighted by a weak Piotroski F-Score of 2/9. While the stock trades significantly below its Graham Number ($263.85) and Intrinsic Value ($525.1), the low health score and bearish insider sentiment suggest underlying operational risks. Strong YoY earnings growth of 24.4% and a sustainable dividend payout provide a floor, but the technical trend and insider selling indicate a lack of immediate conviction. The overall outlook is neutral as the valuation discount is offset by fundamental health concerns.

Strengths
Significant undervaluation relative to Graham Number ($263.85) and Intrinsic Value ($525.1)
Strong YoY earnings growth of 24.4%
Sustainable dividend profile with a low payout ratio of 32.85%
Risks
Critical fundamental weakness indicated by a Piotroski F-Score of 2/9
Bearish insider activity with 5 sell transactions and 0 buys in the last 6 months
Bearish technical trend (0/100 score)
NTRS NEUTRAL

Northern Trust (NTRS) presents a stable financial profile with a Piotroski F-Score of 4/9, indicating a baseline of stability but lacking strong momentum. The stock is currently trading at $158.99, which is almost perfectly aligned with its growth-based intrinsic value of $160.82, though it sits at a significant premium to its defensive Graham Number of $112.88. While earnings growth and revenue trends are positive, the outlook is tempered by a very bearish technical trend (10/100) and negative insider sentiment. Overall, the company is fundamentally sound but appears fully valued at current levels.

Strengths
Consistent earnings performance with 3 of the last 4 quarters beating estimates
Sustainable dividend profile with a conservative payout ratio of 35.47%
Strong historical price appreciation (87.8% 1Y change)
Risks
Severe bearish technical trend (10/100) suggesting a potential price correction
Bearish insider activity, specifically sales by the Chief Financial Officer
Current price is trading above the average analyst target price of $153.04

Compare Another Pair

MTB vs NTRS: Head-to-Head Comparison

This page compares M&T Bank Corporation (MTB) and Northern Trust Corporation (NTRS) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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