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

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

Company Profile

SymbolMTBUNM
Company NameM&T Bank CorporationUnum Group
CountryUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS IndustryBanksInsurance
Market Capitalization30.19 billion USD12.09 billion USD
ExchangeNYSENYSE
Listing DateMarch 17, 1980November 6, 1986
Security TypeCommon StockCommon Stock

Historical Performance

This chart compares the performance of MTB and UNM 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. UNM: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

SymbolMTBUNM
5-Day Price Return5.15%3.59%
13-Week Price Return4.61%-12.18%
26-Week Price Return-4.33%-7.38%
52-Week Price Return20.75%32.98%
Month-to-Date Return2.39%-1.11%
Year-to-Date Return2.77%-2.77%
10-Day Avg. Volume0.94M1.81M
3-Month Avg. Volume1.19M1.42M
3-Month Volatility23.17%31.68%
Beta0.640.36

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.

UNM

13.67%

Insurance Industry

Max
29.03%
Q3
18.11%
Median
13.90%
Q1
10.42%
Min
-0.64%

UNM’s Return on Equity of 13.67% is on par with the norm for the Insurance industry, indicating its profitability relative to shareholder equity is typical for the sector.

MTB vs. UNM: A comparison of their Return on Equity (TTM) against their respective Banks and Insurance 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.

UNM

11.77%

Insurance Industry

Max
26.78%
Q3
14.06%
Median
9.15%
Q1
5.48%
Min
-7.05%

UNM’s Net Profit Margin of 11.77% is aligned with the median group of its peers in the Insurance industry. This indicates its ability to convert revenue into profit is typical for the sector.

MTB vs. UNM: A comparison of their Net Profit Margin (TTM) against their respective Banks and Insurance 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.

UNM

16.48%

Insurance Industry

Max
35.49%
Q3
19.49%
Median
14.35%
Q1
8.53%
Min
-5.25%

In the Insurance industry, Operating Profit Margin is often not the primary measure of operational efficiency.

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

Profitability at a Glance

SymbolMTBUNM
Return on Equity (TTM)7.02%13.67%
Return on Assets (TTM)0.96%2.42%
Net Profit Margin (TTM)30.70%11.77%
Operating Profit Margin (TTM)40.64%16.48%
Gross Profit Margin (TTM)----

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.

UNM

--

Insurance Industry

Max
2.97
Q3
1.33
Median
0.55
Q1
0.15
Min
0.00

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

MTB vs. UNM: A comparison of their Current Ratio (MRQ) against their respective Banks and Insurance 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.

UNM

0.33

Insurance Industry

Max
1.25
Q3
0.65
Median
0.34
Q1
0.22
Min
0.00

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

MTB vs. UNM: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Banks and Insurance 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.

UNM

12.19

Insurance Industry

Max
43.68
Q3
20.84
Median
9.56
Q1
3.34
Min
-5.73

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

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

Financial Strength at a Glance

SymbolMTBUNM
Current Ratio (MRQ)----
Quick Ratio (MRQ)----
Debt-to-Equity Ratio (MRQ)0.510.33
Interest Coverage Ratio (TTM)--12.19

Growth

Revenue Growth

MTB vs. UNM: 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. UNM: 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.

UNM

2.55%

Insurance Industry

Max
8.23%
Q3
4.54%
Median
3.42%
Q1
1.97%
Min
0.00%

UNM’s Dividend Yield of 2.55% is consistent with its peers in the Insurance industry, providing a dividend return that is standard for its sector.

MTB vs. UNM: A comparison of their Dividend Yield (TTM) against their respective Banks and Insurance 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.

UNM

20.11%

Insurance Industry

Max
168.02%
Q3
85.57%
Median
50.71%
Q1
22.04%
Min
0.00%

UNM’s Dividend Payout Ratio of 20.11% is in the lower quartile for the Insurance industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.

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

Dividend at a Glance

SymbolMTBUNM
Dividend Yield (TTM)3.45%2.55%
Dividend Payout Ratio (TTM)38.42%20.11%

Valuation

Price-to-Earnings Ratio (TTM)

MTB

11.14

Banks Industry

Max
20.05
Q3
12.65
Median
10.21
Q1
7.54
Min
2.74

MTB’s P/E Ratio of 11.14 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.

UNM

7.90

Insurance Industry

Max
28.91
Q3
17.76
Median
13.63
Q1
10.02
Min
2.89

In the lower quartile for the Insurance industry, UNM’s P/E Ratio of 7.90 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.

MTB vs. UNM: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Banks and Insurance 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.

UNM

0.93

Insurance Industry

Max
3.72
Q3
1.98
Median
1.23
Q1
0.81
Min
0.23

UNM’s P/S Ratio of 0.93 aligns with the market consensus for the Insurance industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.

MTB vs. UNM: A comparison of their Price-to-Sales Ratio (TTM) against their respective Banks and Insurance 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.

UNM

1.24

Insurance Industry

Max
4.37
Q3
2.48
Median
1.68
Q1
1.19
Min
0.19

UNM’s P/B Ratio of 1.24 is within the conventional range for the Insurance 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. UNM: A comparison of their Price-to-Book Ratio (MRQ) against their respective Banks and Insurance industry benchmarks.

Valuation at a Glance

SymbolMTBUNM
Price-to-Earnings Ratio (TTM)11.147.90
Price-to-Sales Ratio (TTM)2.120.93
Price-to-Book Ratio (MRQ)1.061.24
Price-to-Free Cash Flow Ratio (TTM)9.978.31