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MTB vs. RJF: A Head-to-Head Stock Comparison

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Here’s a clear look at MTB and RJF, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

SymbolMTBRJF
Company NameM&T Bank CorporationRaymond James Financial, Inc.
CountryUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS IndustryBanksCapital Markets
Market Capitalization30.19 billion USD32.39 billion USD
ExchangeNYSENYSE
Listing DateMarch 17, 1980July 1, 1983
Security TypeCommon StockCommon Stock

Historical Performance

This chart compares the performance of MTB and RJF by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

MTB vs. RJF: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

SymbolMTBRJF
5-Day Price Return-0.40%-1.34%
13-Week Price Return3.12%5.63%
26-Week Price Return-2.01%1.30%
52-Week Price Return17.51%40.14%
Month-to-Date Return2.37%-2.79%
Year-to-Date Return2.75%4.60%
10-Day Avg. Volume0.84M0.98M
3-Month Avg. Volume1.13M1.14M
3-Month Volatility22.06%20.75%
Beta0.641.08

Profitability

Return on Equity (TTM)

MTB

7.02%

Banks Industry

Max
26.37%
Q3
15.92%
Median
12.25%
Q1
8.69%
Min
0.15%

MTB’s Return on Equity of 7.02% is in the lower quartile for the Banks industry. This indicates a less efficient generation of profit from its equity base when compared to its competitors.

RJF

17.75%

Capital Markets Industry

Max
38.97%
Q3
21.61%
Median
13.77%
Q1
8.31%
Min
-4.25%

RJF’s Return on Equity of 17.75% is on par with the norm for the Capital Markets industry, indicating its profitability relative to shareholder equity is typical for the sector.

MTB vs. RJF: A comparison of their Return on Equity (TTM) against their respective Banks and Capital Markets industry benchmarks.

Net Profit Margin (TTM)

MTB

30.70%

Banks Industry

Max
54.20%
Q3
35.70%
Median
28.97%
Q1
22.53%
Min
6.98%

MTB’s Net Profit Margin of 30.70% is aligned with the median group of its peers in the Banks industry. This indicates its ability to convert revenue into profit is typical for the sector.

RJF

13.56%

Capital Markets Industry

Max
66.67%
Q3
35.11%
Median
23.49%
Q1
13.63%
Min
-15.18%

Falling into the lower quartile for the Capital Markets industry, RJF’s Net Profit Margin of 13.56% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

MTB vs. RJF: A comparison of their Net Profit Margin (TTM) against their respective Banks and Capital Markets industry benchmarks.

Operating Profit Margin (TTM)

MTB

40.64%

Banks Industry

Max
63.35%
Q3
44.59%
Median
37.24%
Q1
28.25%
Min
13.37%

MTB’s Operating Profit Margin of 40.64% is around the midpoint for the Banks industry, indicating that its efficiency in managing core business operations is typical for the sector.

RJF

17.44%

Capital Markets Industry

Max
86.40%
Q3
46.46%
Median
32.80%
Q1
18.32%
Min
-21.87%

RJF’s Operating Profit Margin of 17.44% is in the lower quartile for the Capital Markets industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.

MTB vs. RJF: A comparison of their Operating Profit Margin (TTM) against their respective Banks and Capital Markets industry benchmarks.

Profitability at a Glance

SymbolMTBRJF
Return on Equity (TTM)7.02%17.75%
Return on Assets (TTM)0.96%2.56%
Net Profit Margin (TTM)30.70%13.56%
Operating Profit Margin (TTM)40.64%17.44%
Gross Profit Margin (TTM)--85.42%

Financial Strength

Current Ratio (MRQ)

MTB

--

Banks Industry

Max
--
Q3
--
Median
--
Q1
--
Min
--

For the Banks industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

RJF

0.26

Capital Markets Industry

Max
3.76
Q3
1.89
Median
1.01
Q1
0.54
Min
-0.41

For the Capital Markets industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

MTB vs. RJF: A comparison of their Current Ratio (MRQ) against their respective Banks and Capital Markets industry benchmarks.

Debt-to-Equity Ratio (MRQ)

MTB

0.51

Banks Industry

Max
4.75
Q3
2.62
Median
1.02
Q1
0.39
Min
0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks industry.

RJF

4.98

Capital Markets Industry

Max
6.62
Q3
2.84
Median
1.02
Q1
0.32
Min
0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Capital Markets industry.

MTB vs. RJF: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Banks and Capital Markets industry benchmarks.

Interest Coverage Ratio (TTM)

MTB

--

Banks Industry

Max
--
Q3
--
Median
--
Q1
--
Min
--

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks industry.

RJF

--

Capital Markets Industry

Max
126.03
Q3
60.98
Median
11.77
Q1
4.95
Min
-36.26

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Capital Markets industry.

MTB vs. RJF: A comparison of their Interest Coverage Ratio (TTM) against their respective Banks and Capital Markets industry benchmarks.

Financial Strength at a Glance

SymbolMTBRJF
Current Ratio (MRQ)--0.26
Quick Ratio (MRQ)--0.26
Debt-to-Equity Ratio (MRQ)0.514.98
Interest Coverage Ratio (TTM)----

Growth

Revenue Growth

MTB vs. RJF: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

MTB vs. RJF: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

MTB

3.45%

Banks Industry

Max
10.27%
Q3
5.83%
Median
3.81%
Q1
2.50%
Min
0.00%

MTB’s Dividend Yield of 3.45% is consistent with its peers in the Banks industry, providing a dividend return that is standard for its sector.

RJF

1.25%

Capital Markets Industry

Max
10.26%
Q3
4.86%
Median
2.78%
Q1
1.22%
Min
0.00%

RJF’s Dividend Yield of 1.25% is consistent with its peers in the Capital Markets industry, providing a dividend return that is standard for its sector.

MTB vs. RJF: A comparison of their Dividend Yield (TTM) against their respective Banks and Capital Markets industry benchmarks.

Dividend Payout Ratio (TTM)

MTB

38.42%

Banks Industry

Max
147.07%
Q3
80.55%
Median
54.40%
Q1
35.71%
Min
0.00%

MTB’s Dividend Payout Ratio of 38.42% is within the typical range for the Banks industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

RJF

19.17%

Capital Markets Industry

Max
200.72%
Q3
101.92%
Median
57.97%
Q1
32.36%
Min
0.00%

RJF’s Dividend Payout Ratio of 19.17% is in the lower quartile for the Capital Markets industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.

MTB vs. RJF: A comparison of their Dividend Payout Ratio (TTM) against their respective Banks and Capital Markets industry benchmarks.

Dividend at a Glance

SymbolMTBRJF
Dividend Yield (TTM)3.45%1.25%
Dividend Payout Ratio (TTM)38.42%19.17%

Valuation

Price-to-Earnings Ratio (TTM)

MTB

11.15

Banks Industry

Max
20.05
Q3
12.65
Median
10.21
Q1
7.54
Min
2.74

MTB’s P/E Ratio of 11.15 is within the middle range for the Banks industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

RJF

15.31

Capital Markets Industry

Max
58.89
Q3
31.00
Median
18.54
Q1
12.09
Min
5.24

RJF’s P/E Ratio of 15.31 is within the middle range for the Capital Markets industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

MTB vs. RJF: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Banks and Capital Markets industry benchmarks.

Price-to-Sales Ratio (TTM)

MTB

2.12

Banks Industry

Max
5.06
Q3
2.98
Median
2.24
Q1
1.59
Min
0.45

The P/S Ratio is often not a primary valuation tool in the Banks industry.

RJF

2.08

Capital Markets Industry

Max
14.49
Q3
7.41
Median
4.68
Q1
2.25
Min
0.04

In the lower quartile for the Capital Markets industry, RJF’s P/S Ratio of 2.08 indicates its revenue is valued more conservatively than most of its peers. This could present a compelling opportunity if the market has overlooked its sales-generating capabilities.

MTB vs. RJF: A comparison of their Price-to-Sales Ratio (TTM) against their respective Banks and Capital Markets industry benchmarks.

Price-to-Book Ratio (MRQ)

MTB

1.06

Banks Industry

Max
2.18
Q3
1.36
Median
1.09
Q1
0.81
Min
0.20

MTB’s P/B Ratio of 1.06 is within the conventional range for the Banks industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

RJF

2.52

Capital Markets Industry

Max
9.48
Q3
4.94
Median
2.42
Q1
1.21
Min
0.38

RJF’s P/B Ratio of 2.52 is within the conventional range for the Capital Markets industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

MTB vs. RJF: A comparison of their Price-to-Book Ratio (MRQ) against their respective Banks and Capital Markets industry benchmarks.

Valuation at a Glance

SymbolMTBRJF
Price-to-Earnings Ratio (TTM)11.1515.31
Price-to-Sales Ratio (TTM)2.122.08
Price-to-Book Ratio (MRQ)1.062.52
Price-to-Free Cash Flow Ratio (TTM)9.9816.71