MTBM&T BANK CORP
State Commercial Banks
- Revenue
- $1.7B
- 7.5% YoY
- Operating margin
- —
- EBITDA
- —
- Market cap
- —
- Employees
- —
- Net debt / EBITDA
- —
- $12.1B net debt
- AI in 10-K
- —
Red flags 1 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear105% of net incomeCash flow under 80% of net income
- Dilutive SBCClear8% of revenueOver 10% of revenue
- Payouts exceed cash flowFired118% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear4% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Revenue | $6.0B | $1.5B | $1.5B | $1.5B | $1.7B | 7.5% |
| Net income | $1.9B | $2.0B | $2.7B | $2.6B | $2.9B | 10% |
| Operating cash flow | $2.7B | $4.6B | $3.9B | $3.6B | $3.0B | 17% |
| Capex | $149M | $214M | $256M | — | — | |
| Stock-based comp | $85M | $111M | $118M | $116M | $136M | 17% |
| Buybacks | — | $1.8B | $594M | $396M | $2.6B | 564% |
| Dividends | $580M | $784M | $868M | $895M | $899M | 0.4% |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $0 · 0
- Open-market sells, 12 mo
- $5M · 2
- Net
- −$5M
Pay vs performance
No pay-versus-performance disclosure yet.