M&T Bank Corporation (MTB)vsWells Fargo & Company (WFC)
MTB
M&T Bank Corporation
$212.14
-0.41%
FINANCIAL SERVICES · Cap: $31.20B
WFC
Wells Fargo & Company
$75.64
-3.88%
FINANCIAL SERVICES · Cap: $242.24B
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 771% more annual revenue ($81.14B vs $9.31B). MTB leads profitability with a 31.5% profit margin vs 26.7%. MTB appears more attractively valued with a PEG of 1.37. MTB earns a higher WallStSmart Score of 77/100 (B+).
MTB
Strong Buy77
out of 100
Grade: B+
WFC
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 38.9%
Earnings expanding 24.4% YoY
Mega-cap, among the largest globally
Reasonable price relative to book value
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
Strong operational efficiency at 29.4%
Generating 9.1B in free cash flow
Areas to Watch
Distress zone — elevated risk
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : MTB
The strongest argument for MTB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 31.5% and operating margin at 38.9%. PEG of 1.37 suggests the stock is reasonably priced for its growth.
Bull Case : WFC
The strongest argument for WFC centers on Market Cap, Price/Book, Profit Margin. Profitability is solid with margins at 26.7% and operating margin at 29.4%. PEG of 1.43 suggests the stock is reasonably priced for its growth.
Bear Case : MTB
The primary concerns for MTB are Altman Z-Score.
Bear Case : WFC
The primary concerns for WFC are Altman Z-Score.
Key Dynamics to Monitor
WFC carries more volatility with a beta of 0.96 — expect wider price swings.
WFC is growing revenue faster at 5.7% — sustainability is the question.
WFC generates stronger free cash flow (9.1B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
MTB scores higher overall (77/100 vs 74/100), backed by strong 31.5% margins. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
M&T Bank Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
M&T Bank Corporation is an American bank holding company headquartered in Buffalo, New York.
Visit Website →Wells Fargo & Company
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Wells Fargo & Company is an American multinational financial services company with corporate headquarters in San Francisco, California, operational headquarters in Manhattan, and managerial offices throughout the United States and overseas.
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