COMP <GO>
MTB vs MS // ALTMAN Z-SCORE & DEBT/EQUITY
M&T Bank Corporation (NYSE) VS. Morgan Stanley (NYSE) • 15-METRIC TALLY: MTB 11
— MS 3
▲ ALTMAN Z-SCORE & DEBT/EQUITY LEADER: MS
LAST: $220.72 (-1.50%) • MKT CAP: $32.36B
balance-sheet
0.45
LAST: $184.30 (-3.00%) • MKT CAP: $298.41B
balance-sheet
0.46
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (MTB VS. MS)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | MTB | MS | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 41.00% | 41.00% | 0.00 | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 3.40% | 3.00% | +0.40 | MTB | /roic <GO> |
| EV/EBITDA & P/E Valuation | 23.8x | 31.0x | -7.20 | MTB | /valuation <GO> |
| Free Cash Flow Yield | 9.05% | -7.25% | +16.30 | MTB | /fcf-yield <GO> |
| Operating Margin | 75.00% | 24.60% | +50.40 | MTB | /operating-margins <GO> |
| Net Profit Margin | 68.00% | 20.20% | +47.80 | MTB | /net-margins <GO> |
| Revenue Growth (YoY) | 7.50% | 5.50% | +2.00 | MTB | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.78% | 2.21% | +0.57 | MTB | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | 0.45 | 0.46 | -0.01 | MS | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 5/9 | +3.00 | MTB | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | 7.30% | 7.00% | +0.30 | MS | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 48.1 | 43.3 | +4.84 | MTB | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.11 | 1.04 | +0.07 | MTB | /macro-sensitivity <GO> |
| Forward P/E Multiple | 10.6x | 16.5x | -5.90 | MTB | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $32.36B | $298.41B | -$266.05B | MS | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | MTB REV | MS REV | MTB GROSS % | MS GROSS % | MTB FCF | MS FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.66B | $0 | 44.0% | — | $2.93B | -$17.89B |
| FY 2024 | $1.54B | $0 | 44.0% | — | $3.54B | $1.36B |
| FY 2023 | $1.48B | $0 | 44.0% | — | $3.84B | -$33.54B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
MTB // BETA 1.11
MS // BETA 1.04