Correlation
The correlation between MTB and CFR is 0.51, which is considered to be moderate. This suggests that the two assets have some degree of positive relationship in their price movements. Moderate correlation can be acceptable for portfolio diversification, offering a balance between risk and potential returns.
MTB vs. CFR
Compare and contrast key facts about M&T Bank Corporation (MTB) and Cullen/Frost Bankers, Inc. (CFR).
Scroll down to visually compare performance, riskiness, drawdowns, and other indicators and decide which better suits your portfolio: MTB or CFR.
Performance
MTB vs. CFR - Performance Comparison
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Key characteristics
MTB:
0.92
CFR:
0.94
MTB:
1.44
CFR:
1.49
MTB:
1.19
CFR:
1.20
MTB:
0.93
CFR:
0.83
MTB:
2.20
CFR:
3.30
MTB:
12.03%
CFR:
9.21%
MTB:
29.87%
CFR:
32.23%
MTB:
-73.50%
CFR:
-56.86%
MTB:
-16.62%
CFR:
-12.62%
Fundamentals
MTB:
$29.37B
CFR:
$8.30B
MTB:
$15.06
CFR:
$9.10
MTB:
12.15
CFR:
14.19
MTB:
28.64
CFR:
4.80
MTB:
3.34
CFR:
4.07
MTB:
1.10
CFR:
2.09
MTB:
$13.28B
CFR:
$2.86B
MTB:
$8.76B
CFR:
$2.04B
MTB:
$3.92B
CFR:
$797.98M
Returns By Period
In the year-to-date period, MTB achieves a -2.17% return, which is significantly higher than CFR's -4.01% return. Over the past 10 years, MTB has underperformed CFR with an annualized return of 7.08%, while CFR has yielded a comparatively higher 8.61% annualized return.
MTB
-2.17%
7.59%
-15.87%
27.29%
3.65%
15.09%
7.08%
CFR
-4.01%
9.87%
-8.36%
30.02%
3.73%
14.17%
8.61%
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Risk-Adjusted Performance
MTB vs. CFR — Risk-Adjusted Performance Rank
MTB
CFR
MTB vs. CFR - Risk-Adjusted Performance Comparison
This table presents a comparison of risk-adjusted performance metrics for M&T Bank Corporation (MTB) and Cullen/Frost Bankers, Inc. (CFR). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
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Dividends
MTB vs. CFR - Dividend Comparison
MTB's dividend yield for the trailing twelve months is around 2.96%, less than CFR's 3.76% yield.
| TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
MTB M&T Bank Corporation | 2.96% | 2.85% | 3.79% | 3.31% | 2.93% | 3.46% | 2.42% | 2.48% | 1.75% | 1.79% | 2.31% | 2.23% |
CFR Cullen/Frost Bankers, Inc. | 3.76% | 2.79% | 3.30% | 2.42% | 2.33% | 3.27% | 2.86% | 2.93% | 2.38% | 2.44% | 3.50% | 2.87% |
Drawdowns
MTB vs. CFR - Drawdown Comparison
The maximum MTB drawdown since its inception was -73.50%, which is greater than CFR's maximum drawdown of -56.86%. Use the drawdown chart below to compare losses from any high point for MTB and CFR.
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Volatility
MTB vs. CFR - Volatility Comparison
The current volatility for M&T Bank Corporation (MTB) is 7.45%, while Cullen/Frost Bankers, Inc. (CFR) has a volatility of 8.70%. This indicates that MTB experiences smaller price fluctuations and is considered to be less risky than CFR based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Financials
MTB vs. CFR - Financials Comparison
This section allows you to compare key financial metrics between M&T Bank Corporation and Cullen/Frost Bankers, Inc.. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
MTB vs. CFR - Profitability Comparison
MTB - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on May 2025, M&T Bank Corporation reported a gross profit of 2.18B and revenue of 3.17B. Therefore, the gross margin over that period was 68.6%.
CFR - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on May 2025, Cullen/Frost Bankers, Inc. reported a gross profit of 527.16M and revenue of 709.13M. Therefore, the gross margin over that period was 74.3%.
MTB - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on May 2025, M&T Bank Corporation reported an operating income of 761.00M and revenue of 3.17B, resulting in an operating margin of 24.0%.
CFR - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on May 2025, Cullen/Frost Bankers, Inc. reported an operating income of 179.10M and revenue of 709.13M, resulting in an operating margin of 25.3%.
MTB - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on May 2025, M&T Bank Corporation reported a net income of 584.00M and revenue of 3.17B, resulting in a net margin of 18.4%.
CFR - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on May 2025, Cullen/Frost Bankers, Inc. reported a net income of 150.92M and revenue of 709.13M, resulting in a net margin of 21.3%.