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MTB vs HBAN // RETURN ON INVESTED CAPITAL (ROIC)

M&T Bank Corporation (NYSE) VS. Huntington Bancshares Incorporated (NASDAQ) • 15-METRIC TALLY: MTB 7 — HBAN 2
▲ RETURN ON INVESTED CAPITAL (ROIC) LEADER: MTB
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (MTB VS. HBAN) EMERALD CELL = QUANTITATIVE EDGE
INSTITUTIONAL METRIC MTB HBAN SPREAD (A - B) ADVANTAGE DEDICATED URL
Gross Profit Margin — — — TIE /gross-margins <GO>
Return on Invested Capital (ROIC) ACTIVE 3.40% 2.60% +0.80 MTB /roic <GO>
EV/EBITDA & P/E Valuation 23.8x 30.6x -6.80 MTB /valuation <GO>
Free Cash Flow Yield 9.05% 6.88% +2.17 MTB /fcf-yield <GO>
Operating Margin 75.00% 75.00% 0.00 TIE /operating-margins <GO>
Net Profit Margin 68.00% 68.00% 0.00 TIE /net-margins <GO>
Revenue Growth (YoY) 7.50% 6.40% +1.10 MTB /revenue-growth <GO>
Dividend Yield & FCF Payout Safety 2.78% 2.82% -0.04 HBAN /dividend-safety <GO>
Altman Z-Score & Debt/Equity — — — TIE /balance-sheet <GO>
Piotroski F-Score Quality 8/9 8/9 0.00 TIE /piotroski-score <GO>
Options Implied Move & Put/Call Skew — — — TIE /options-implied-move <GO>
RSI-14 & 200D SMA Momentum 54.1 57.6 -3.50 HBAN /rsi-technicals <GO>
10Y Yield & FRED Macro Beta 1.11 0.99 +0.12 MTB /macro-sensitivity <GO>
Forward P/E Multiple 10.6x 13.6x -3.00 MTB /forward-pe <GO>
Enterprise Scale & Market Cap $32.36B $32.19B $173.6M MTB /market-cap <GO>
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
FISCAL YEAR MTB REV HBAN REV MTB GROSS % HBAN GROSS % MTB FCF HBAN FCF
FY 2025 $1.66B $1.56B — — $2.93B $2.21B
FY 2024 $1.54B $1.47B — — $3.54B $1.69B
FY 2023 $1.48B $1.40B — — $3.84B $2.59B
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
MTB // BETA 1.11
HBAN // BETA 0.99