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MTB vs RJF

MTB
M&T Bank Corporation
NEUTRAL
Price
$215.54
Market Cap
$32.01B
Sector
Financial Services
AI Confidence
85%
RJF
Raymond James Financial, Inc.
NEUTRAL
Price
$156.20
Market Cap
$30.4B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
MTB
12.11
RJF
14.75
Forward P/E
MTB
10.32
RJF
11.67
P/B Ratio
MTB
1.24
RJF
2.46
P/S Ratio
MTB
3.44
RJF
2.07
EV/EBITDA
MTB
--
RJF
--

Profitability

Gross Margin
MTB
0.0%
RJF
93.01%
Operating Margin
MTB
38.9%
RJF
19.51%
Profit Margin
MTB
31.48%
RJF
14.62%
ROE
MTB
10.29%
RJF
--
ROA
MTB
1.38%
RJF
--

Growth

Revenue Growth
MTB
5.7%
RJF
13.4%
Earnings Growth
MTB
24.4%
RJF
15.3%

Financial Health

Debt/Equity
MTB
--
RJF
0.46
Current Ratio
MTB
--
RJF
--
Quick Ratio
MTB
--
RJF
--

Dividends

Dividend Yield
MTB
2.78%
RJF
1.38%
Payout Ratio
MTB
32.85%
RJF
19.64%

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)
RJF NEUTRAL

RJF presents a conflicting profile: strong growth and attractive valuation metrics are offset by a critically weak Piotroski F-Score of 2/9, indicating deteriorating fundamental health. While the stock trades at a reasonable P/E of 14.75 and a PEG of 1.00, the bearish technical trend and insider selling suggest a lack of immediate conviction. The significant gap between the Graham Number ($122.91) and Intrinsic Value ($312.4) highlights a tension between defensive value and growth expectations. Overall, the company's operational growth is impressive, but the underlying financial health markers require caution.

Strengths
Strong YoY revenue growth of 13.40% and earnings growth of 15.30%
Attractive valuation with a Forward P/E of 11.67 and PEG ratio of 1.00
Very sustainable dividend payout ratio of 19.64%
Risks
Critically low Piotroski F-Score (2/9) signaling weak financial health trends
Bearish insider sentiment with net selling activity totaling $4.97M
Technical trend is currently 0/100 (Bearish)

Compare Another Pair

MTB vs RJF: Head-to-Head Comparison

This page compares M&T Bank Corporation (MTB) and Raymond James Financial, Inc. (RJF) 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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