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MTB vs HBAN vs CFG

161 measures in 16 categories, one definition each, computed from filings and market data.
MTB55.7
M&T Bank Corporation
Financial Services · Banks - Regional
$215.16 −1.60%$31.1B mkt cap
Score DNA
HBAN58.9
Huntington Bancshares Incorporated
Financial Services · Banks - Regional
$15.27 −0.52%$30.9B mkt cap
Score DNA
CFG55.2
Citizens Financial Group, Inc.
Financial Services · Banks - Regional
$63.36 −0.13%$26.7B mkt cap
Score DNA

Price, rebased to 100 three years ago

MTB   HBAN   CFG   · weekly adjusted closes
100150200250300Jan 24Apr 24Jul 24Oct 24Jan 25Apr 25Jul 25Oct 25Jan 26Apr 26Jul 26Oct 26CFG 272MTB 192HBAN 168
● marks the highest or lowest value where that direction is plainly stronger (margins, returns, coverage, leverage); multiples and yields are left unmarked. Bars show each stock's percentile within its own industry. n/a: the measure does not apply to lenders and insurers.

Smart money

8 measures
MeasureMTBHBANCFG
Insider open-market buys, 180d 0 7 0
Insider $ bought, 180d — $0.62M —
Congress purchases, 180d 0 1 1
Last Congress purchase — 2026-05-01 2026-09-04
13F net change in holders — +4 +80
ETFs adding shares, 30d 1,015 1,104 1,019
ETFs trimming, 30d 1,018 948 871
Net ETF funds, 30d −3 +156 +148

Valuation

16 measures
MeasureMTBHBANCFG
P/E (TTM) 10.2x
24th
12.9x
65th
12.6x
61st
PEG (P/E ÷ 3-yr EPS CAGR) 3.90
84th
— 7.36
92nd
Price / sales 2.5x
50th
2.1x
23rd
2.3x
37th
Price / book 1.1x
39th
0.9x
18th
1.0x
25th
Price / tangible book 1.9x
81st
1.6x
65th
1.7x
68th
Price / free cash flow n/a n/a n/a
Price / operating cash flow n/a n/a n/a
Enterprise value n/a n/a n/a
EV / sales n/a n/a n/a
EV / EBITDA n/a n/a n/a
EV / EBIT n/a n/a n/a
EV / free cash flow n/a n/a n/a
Earnings yield 9.8%
77th
7.8%
36th
8.0%
41st
FCF yield n/a n/a n/a
Operating cash flow yield n/a n/a n/a
Graham number (per share) $278.95
98th
$21.24
7th
$82.94
78th

Profitability (TTM)

12 measures
MeasureMTBHBANCFG
Gross margin n/a n/a n/a
EBITDA margin n/a n/a n/a
Operating margin 33.2%
79th
20.4%
29th
23.6%
44th
EBIT margin 33.2%
79th
20.4%
28th
23.6%
42nd
Net margin 24.4%
68th
16.6%
16th
18.5%
24th
NOPAT margin 25.7%
77th
16.8%
30th
18.5%
42nd
FCF margin n/a n/a n/a
Operating cash flow margin n/a n/a n/a
R&D / revenue 0.0%
0th
0.0%
0th
0.0%
0th
SG&A / revenue 32.4%
73rd
25.7%
41st
28.0%
54th
Stock comp / revenue 1.1%
70th
0.9%
54th
1.1%
71st
Effective tax rate 22.7%
66th
17.7%
15th
21.6%
54th

Returns on capital

11 measures
MeasureMTBHBANCFG
ROE (on average equity) 10.7%
46th
9.0%
23rd
8.3%
18th
ROA 1.4%
72nd
1.0%
20th
0.9%
17th
ROIC n/a n/a n/a
ROCE n/a n/a n/a
Return on tangible assets 1.9%
79th
1.2%
30th
1.2%
32nd
Cash ROIC (OCF / invested capital) n/a n/a n/a
Gross profitability (GP / assets) n/a n/a n/a
ROIC, 3-yr average n/a n/a n/a
ROIC, 5-yr average n/a n/a n/a
ROE, 5-yr average 9.2%
34th
9.7%
40th
7.5%
14th
Incremental ROIC n/a n/a n/a

Growth

17 measures
MeasureMTBHBANCFG
Revenue growth (TTM YoY) -5.8%
18th
18.5%
81st
-4.5%
21st
Revenue growth (QoQ) 4.2%
67th
10.6%
80th
5.6%
73rd
Revenue CAGR, 3 yr 3.2%
13th
14.1%
67th
0.8%
5th
Revenue CAGR, 5 yr 15.2%
58th
22.3%
86th
9.7%
28th
Gross profit CAGR, 3 yr n/a n/a n/a
Operating income CAGR, 3 yr 1.5%
43rd
-0.6%
36th
-2.4%
30th
Net income growth (TTM YoY) 12.3%
26th
13.6%
29th
33.5%
61st
Net income CAGR, 3 yr 0.6%
26th
-0.0%
23rd
-2.3%
17th
EPS growth (TTM YoY) 14.7%
39th
-14.8%
6th
36.6%
68th
EPS CAGR, 3 yr 2.6%
40th
-9.5%
10th
1.7%
35th
EPS CAGR, 5 yr 7.4%
65th
3.8%
44th
1.0%
24th
FCF growth (TTM YoY) n/a n/a n/a
FCF CAGR, 3 yr n/a n/a n/a
Operating cash flow CAGR, 3 yr n/a n/a n/a
Book value CAGR, 3 yr 4.8%
19th
8.8%
47th
7.8%
37th
Dividend CAGR, 3 yr 3.0%
67th
-5.9%
8th
5.2%
84th
Sustainable growth rate 7.0%
38th
4.6%
14th
4.7%
16th

Margin history & stability

7 measures
MeasureMTBHBANCFG
Gross margin, 3-yr average n/a n/a n/a
Operating margin, 3-yr average 27.6%
74th
19.9%
33rd
17.9%
28th
Net margin, 3-yr average 20.9%
67th
16.3%
29th
14.2%
21st
FCF margin, 3-yr average n/a n/a n/a
Revenue stability (0-1) 0.74
21st
0.98
91st
0.64
14th
Earnings stability (0-1) 0.62
71st
0.52
63rd
0.03
18th
Margin stability (0-1) 0.84
65th
0.81
48th
0.81
47th

Liquidity (latest quarter)

7 measures
MeasureMTBHBANCFG
Cash & short-term investments n/a n/a n/a
Net cash (− = net debt) n/a n/a n/a
Working capital n/a n/a n/a
Current ratio n/a n/a n/a
Quick ratio n/a n/a n/a
Cash ratio (cash + ST investments / current liabilities) n/a n/a n/a
Defensive interval (days) n/a n/a n/a

Leverage & solvency (latest quarter)

13 measures
MeasureMTBHBANCFG
Total debt n/a n/a n/a
Debt / equity n/a n/a n/a
Net debt / equity n/a n/a n/a
Debt / assets n/a n/a n/a
Debt / capital n/a n/a n/a
Debt / EBITDA n/a n/a n/a
Net debt / EBITDA n/a n/a n/a
Interest coverage (EBIT / interest) n/a n/a n/a
Cash interest coverage n/a n/a n/a
Debt payback (years of OCF) n/a n/a n/a
Liabilities / assets 87.3%
27th
88.5%
47th
88.8%
56th
IS credit model rating BBB+ A- A-
Implied credit spread (bps) 225
65th
175
51st
175
51st

Efficiency

11 measures
MeasureMTBHBANCFG
Asset turnover n/a n/a n/a
Fixed asset turnover n/a n/a n/a
Inventory turnover n/a n/a n/a
Receivables turnover n/a n/a n/a
Days sales outstanding n/a n/a n/a
Days inventory outstanding n/a n/a n/a
Days payables outstanding n/a n/a n/a
Cash conversion cycle (days) n/a n/a n/a
Capex / revenue n/a n/a n/a
Capex / depreciation n/a n/a n/a
Operating expense ratio n/a n/a n/a

Cash flow & earnings quality

7 measures
MeasureMTBHBANCFG
Operating cash flow / net income n/a n/a n/a
FCF / net income n/a n/a n/a
FCF / operating cash flow n/a n/a n/a
Capex / operating cash flow n/a n/a n/a
Accruals ratio n/a n/a n/a
Sloan accruals ratio n/a n/a n/a
Earnings quality score (0-1) n/a n/a n/a

Dividends & buybacks

9 measures
MeasureMTBHBANCFG
Dividend yield 2.8%
57th
4.1%
85th
2.9%
60th
Dividend per share (TTM) $6.00
98th
$0.62
26th
$1.84
82nd
Payout ratio (dividends / net income) 35.2%
62nd
48.2%
85th
43.1%
76th
Dividends / FCF n/a n/a n/a
Dividend growth (YoY) 5.1%
45th
-15.8%
3rd
5.5%
50th
Buyback yield 8.4%
95th
1.0%
49th
4.2%
81st
Shareholder yield (dividends + buybacks) 11.8%
95th
4.8%
56th
7.7%
81st
Share count change (YoY) -2.2%
25th
33.4%
93rd
-2.3%
24th
Buybacks, last 5 years $13.2B
100th
$1.3B
92nd
$5.2B
98th

Scores & forensic checks

15 measures
MeasureMTBHBANCFG
IS score 56
59th
59
70th
55
56th
IS profitability 69
77th
54
30th
56
39th
IS growth 43
21st
63
72nd
52
41st
IS value 82
54th
88
84th
88
85th
IS momentum 74
39th
89
82nd
80
58th
IS risk (safety) 65
37th
50
5th
50
5th
IS quality 82
79th
77
57th
76
55th
IS balance sheet 29
16th
53
68th
44
34th
IS earnings quality 99
97th
99
95th
98
86th
IS cash flow 78
64th
74
51st
72
47th
Piotroski F-score (0-9) 7
54th
7
54th
7
54th
Altman Z-score — — —
Beneish M-score — — —
Ohlson O-score −6.59
4th
−6.96
1st
−6.80
3rd
IS credit score 64
35th
66
39th
67
41st

Per share

7 measures
MeasureMTBHBANCFG
EPS, diluted (TTM) $19.37
98th
$1.21
8th
$4.98
68th
Book value per share $178.51
98th
$16.52
10th
$61.36
87th
Tangible book per share $136.39
98th
$11.02
5th
$39.99
73rd
Revenue per share $79.40
98th
$7.30
10th
$26.87
80th
FCF per share n/a n/a n/a
Operating cash flow per share n/a n/a n/a
Cash per share n/a n/a n/a

Size (TTM)

8 measures
MeasureMTBHBANCFG
Market cap $31.1B
97th
$30.9B
97th
$26.7B
96th
Revenue $12.4B
95th
$14.4B
95th
$11.5B
95th
EBITDA $4.4B
98th
$3.7B
97th
$3.2B
95th
Net income $3.0B
98th
$2.4B
97th
$2.1B
94th
Free cash flow n/a n/a n/a
Total assets $219.3B
95th
$284.0B
97th
$233.8B
95th
Shareholders' equity $27.9B
96th
$32.6B
97th
$26.2B
96th
Employees 21,662
98th
25,527
99th
17,398
94th

Price performance

9 measures
MeasureMTBHBANCFG
1 day −1.6% −0.5% −0.1%
1 week −1.1% −0.3% −0.3%
1 month −5.0% −3.8% −6.0%
3 months −13.7% −15.4% −10.8%
6 months −1.7% −9.4% −1.7%
Year to date +6.2% −12.6% +7.4%
1 year +17.2% −5.0% +23.6%
3 years, cumulative +84.0% +64.9% +161.8%
5 years, cumulative +60.5% +15.7% +55.4%

Technicals

4 measures
MeasureMTBHBANCFG
RSI 14 34.7 40.5 38.2
From 52-week high −15.9% −21.5% −15.9%
From 52-week low +24.1% +3.0% +33.3%
Beta 0.61 0.97 1.06
InsiderStreet reports findings from filings and market data. A comparison is not a recommendation to buy or sell either stock.Every figure is computed in code · data as of 2026-10-17

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For informational purposes only. Not investment advice. Data sourced from SEC filings. Privacy Terms