M&T Bank (MTB) ROIC: History & Chart

M&T Bank Corporation (MTB)MTBM&T Bank Corporation

About M&T Bank Corporation

M&T Bank Corporation functions as a bank holding entity, delivering a broad spectrum of financial solutions to both commercial enterprises and individual consumers. Its Business Banking division caters to small businesses and professionals, providing essential services such as deposit accounts, credit facilities, and treasury management solutions. The Commercial Banking arm extends its reach to middle-market and large corporate clients, supplying a robust suite of offerings including deposit products, commercial loans and leases, letters of credit, and sophisticated cash management tools. Dedicated to Commercial Real Estate, the company engages in the origination, sale, and servicing of commercial property loans, alongside offering deposit services tailored for this sector. The Discretionary Portfolio segment focuses on internal financial management, overseeing deposits, investment securities, residential real estate loans, and other assets, while also managing short- and long-term borrowed funds and foreign exchange operations. Through its Residential Mortgage Banking segment, M&T originates home loans for consumers, subsequently selling these loans in the secondary market. It also acquires servicing rights for loans initially originated by other institutions. The Retail Banking segment serves individual customers with a diverse array of financial products, including demand, savings, and time deposit accounts; various consumer installment loans such as automobile and recreational vehicle financing; home equity loans and lines of credit; credit cards; and investment vehicles like mutual funds and annuities. Beyond these, M&T Bank offers specialized financial services encompassing trust and wealth management, fiduciary and custodial services, insurance brokerage, institutional securities services, and investment management. Customers can access these services through an extensive network of physical banking offices, dedicated business banking centers, as well as via telephone, online platforms, and automated teller machines (ATMs). As of December 31, 2021, the corporation maintained 688 domestic banking locations across New York, Maryland, New Jersey, Pennsylvania, Delaware, Connecticut, Virginia, West Virginia, and the District of Columbia. Additionally, it operates a full-service commercial banking office in Ontario, Canada. M&T Bank Corporation, established in 1856, has its corporate headquarters situated in Buffalo, New York.

Buffalo, NY

22,080 employees

www.mtb.com

Financial Services / Banks - Regional

Sector: Financial Services
Industry: Banks - Regional
CEO: Rene F. Jones

View full financials

MTB Return on Invested Capital (ROIC) Metrics

RETURN ON INVESTED CAPITAL (ROIC)

6.75%

RETURN ON INVESTED CAPITAL (ROIC) AVG TTM

6.13%

RETURN ON INVESTED CAPITAL (ROIC) AVG 3Y

6.28%

RETURN ON INVESTED CAPITAL (ROIC) AVG 5Y

6.72%

RETURN ON INVESTED CAPITAL (ROIC) AVG 10Y

6.40%

RETURN ON INVESTED CAPITAL (ROIC) AVG 15Y

6.19%

RETURN ON INVESTED CAPITAL (ROIC) AVG 20Y

5.54%

CURRENT VS TTM AVG

+10.11%

CURRENT VS 3Y AVG

+7.57%

CURRENT VS 5Y AVG

+0.42%

CURRENT VS 10Y AVG

+5.45%

CURRENT VS 15Y AVG

+9.09%

CURRENT VS 20Y AVG

+21.75%

SECTOR MEDIAN · FINANCIAL SERVICES

5.93%

median of 96 covered companies

CURRENT VS SECTOR MEDIAN

+13.92%

vs the sector median at left

NAME	MARKET CAP	RETURN ON INVESTED CAPITAL (ROIC)	TTM	3Y	5Y
M&T Bank Corporation (MTB)	$36.30B	6.75%	6.13%	6.28%	6.72%
Huntington Bancshares Incorporated (HBAN)vs ›	$35.46B	-2.03%	1.33%	3.56%	3.64%
Arch Capital Group Ltd. (ACGL)vs ›	$34.41B	7.12%	11.32%	10.95%	149.50%
Northern Trust Corporation (NTRS)vs ›	$33.94B	5.04%	5.60%	4.67%	4.96%
Raymond James Financial, Inc. (RJF)vs ›	$33.92B	15.88%	13.07%	11.13%	9.95%
The Hartford Insurance Group, Inc. (HIG)vs ›	$39.28B	28.21%	26.01%	15.25%	13.97%
Coinbase Global, Inc. (COIN)vs ›	$40.52B	5.24%	9.40%	-1.24%	7.17%
Willis Towers Watson Public Limited Company (WTW)vs ›	$32.02B	11.52%	4.01%	5.09%	5.32%
MSCI Inc. (MSCI)vs ›	$40.94B	35.34%	33.76%	30.82%	28.13%
American International Group, Inc. (AIG)vs ›	$41.77B	5.29%	4.88%	2.77%	2.21%

NAME

MARKET CAP

RETURN ON INVESTED CAPITAL (ROIC)

TTM

M&T Bank Corporation (MTB)

$36.30B

6.75%

6.13%

6.28%

6.72%

Huntington Bancshares Incorporated (HBAN)vs ›

$35.46B

-2.03%

1.33%

3.56%

3.64%

Arch Capital Group Ltd. (ACGL)vs ›

$34.41B

7.12%

11.32%

10.95%

149.50%

Northern Trust Corporation (NTRS)vs ›

$33.94B

5.04%

5.60%

4.67%

4.96%

Raymond James Financial, Inc. (RJF)vs ›

$33.92B

15.88%

13.07%

11.13%

9.95%

The Hartford Insurance Group, Inc. (HIG)vs ›

$39.28B

28.21%

26.01%

15.25%

13.97%

Coinbase Global, Inc. (COIN)vs ›

$40.52B

5.24%

9.40%

-1.24%

7.17%

Willis Towers Watson Public Limited Company (WTW)vs ›

$32.02B

11.52%

4.01%

5.09%

5.32%

MSCI Inc. (MSCI)vs ›

$40.94B

35.34%

33.76%

30.82%

28.13%

American International Group, Inc. (AIG)vs ›

$41.77B

5.29%

4.88%

2.77%

2.21%

Return on Invested Capital (ROIC) FAQ

What is the return on invested capital (ROIC) for M&T Bank Corporation (MTB)?

The return on invested capital (ROIC) for MTB stock is 6.75%.

Is M&T Bank Corporation's return on invested capital (ROIC) high or low?

The return on invested capital (ROIC) of 6.75% is in line with its 5-year average of 6.72%, around the middle of its 5-year range (5.51%–8.67%).

What is the TTM average return on invested capital (ROIC) for M&T Bank Corporation (MTB)?

The TTM average return on invested capital (ROIC) for MTB stock is 6.13%.

What is the 3Y average return on invested capital (ROIC) for M&T Bank Corporation (MTB)?

The 3Y average return on invested capital (ROIC) for MTB stock is 6.28%.

What is the 5Y average return on invested capital (ROIC) for M&T Bank Corporation (MTB)?

The 5Y average return on invested capital (ROIC) for MTB stock is 6.72%.

What is the 10Y average return on invested capital (ROIC) for M&T Bank Corporation (MTB)?

The 10Y average return on invested capital (ROIC) for MTB stock is 6.40%.

What is the 15Y average return on invested capital (ROIC) for M&T Bank Corporation (MTB)?

The 15Y average return on invested capital (ROIC) for MTB stock is 6.19%.

What is the 20Y average return on invested capital (ROIC) for M&T Bank Corporation (MTB)?

The 20Y average return on invested capital (ROIC) for MTB stock is 5.54%.

DATE	RETURN ON INVESTED CAPITAL (ROIC)
2025-12-31	6.75%
2024-12-31	5.51%
2023-12-31	6.77%
2022-12-31	6.07%
2021-12-31	8.67%
2020-12-31	6.56%
2019-12-31	8.65%
2018-12-31	6.82%
2017-12-31	5.76%
2016-12-31	5.09%
2015-12-31	3.76%
2014-12-31	4.95%
2013-12-31	6.83%
2012-12-31	6.48%
2011-12-31	5.75%
2010-12-31	4.58%
2009-12-31	1.95%
2008-12-31	2.71%
2007-12-31	3.02%
2006-12-31	5.16%
2005-12-31	4.59%
2004-12-31	4.35%
2003-12-31	3.66%
2002-12-31	4.36%
2001-12-31	4.00%
2000-12-31	3.49%
1999-12-31	4.34%
1998-12-31	3.85%
1997-12-31	7.05%
1996-12-31	6.88%

DATE

RETURN ON INVESTED CAPITAL (ROIC)

2025-12-31

6.75%

2024-12-31

5.51%

2023-12-31

6.77%

2022-12-31

6.07%

2021-12-31

8.67%

2020-12-31

6.56%

2019-12-31

8.65%

2018-12-31

6.82%

2017-12-31

5.76%

2016-12-31

5.09%

2015-12-31

3.76%

2014-12-31

4.95%

2013-12-31

6.83%

2012-12-31

6.48%

2011-12-31

5.75%

2010-12-31

4.58%

2009-12-31

1.95%

2008-12-31

2.71%

2007-12-31

3.02%

2006-12-31

5.16%

2005-12-31

4.59%

2004-12-31

4.35%

2003-12-31

3.66%

2002-12-31

4.36%

2001-12-31

4.00%

2000-12-31

3.49%

1999-12-31

4.34%

1998-12-31

3.85%

1997-12-31

7.05%

1996-12-31

6.88%

Return on Invested Capital (ROIC): 6.75%

MTB Return on Invested Capital (ROIC) Chart

MTB Average Return on Invested Capital (ROIC) Chart

MTB Current vs Average Return on Invested Capital (ROIC) Chart

MTB Return on Invested Capital (ROIC) Metrics

MTB Competitors' Return on Invested Capital (ROIC)

Capital Efficiency

Return on Invested Capital (ROIC) Formula & Definition

Return on Invested Capital (ROIC) FAQ

MTB Return on Invested Capital (ROIC) History

Related Metrics