Compare Stocks › MS vs MTB
Morgan Stanley (MS) vs M&T Bank Corporation (MTB)
MS
Morgan Stanley
$158.55
VS
MTB
M&T Bank Corporation
$196.24
Rewards
MS
- ★Gross margin of 87.1% indicates strong pricing power — typical of businesses with significant intellectual property or brand strength.
- ★Each dollar of retained earnings has created $6.65 of market value — management is an exceptional capital allocator.
- ★PEG ratio of 0.75 suggests the stock is undervalued relative to its growth rate — paying less than 1x for each unit of earnings growth.
MTB
- ★Each dollar of retained earnings has created $1.18 of market value — management is creating shareholder value.
- ★PEG ratio of 0.55 suggests the stock is undervalued relative to its growth rate — paying less than 1x for each unit of earnings growth.
Risks
MS
- ⚠High leverage (4.56x debt/equity) combined with thin interest coverage (-1.0x) poses financial risk.
- ⚠Altman Z-Score of 0.29 places the company in the distress zone — financial patterns resemble those of companies that experienced bankruptcy.
- ⚠7 insider sales totaling $25.2M with no purchases in the past 3 months — insiders are reducing their exposure.
MTB
- ⚠Gross margin of 0.0% is low, suggesting a competitive or commodity-like market with limited pricing power.
- ⚠Altman Z-Score of 0.28 places the company in the distress zone — financial patterns resemble those of companies that experienced bankruptcy.
- ⚠6 insider sales totaling $7.6M with no purchases in the past 3 months — insiders are reducing their exposure.
Key Valuation Metrics
Learn more →MS
MTB
Valuation
N/A
Free Cash Flow
N/A
N/A
FCF Yield
N/A
15.53
Trailing P/E
11.55
12.89
Forward P/E
9.31
Quality & Moat
3.43%
ROIC
21.21%
14.42%
ROE
N/A
87.06%
Gross Margin
0.00%
0.75
PEG Ratio
0.55
Balance Sheet Safety
4.56
Debt / Equity
N/A
N/A
Interest Coverage
N/A
N/A
Net Debt / EBITDA
N/A
2.52%
Dividend Yield
3.06%
MS: 1Ties: 1MTB: 5
MSMTB
Historical Fundamentals
Learn more →MS
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
MTB
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
$1 Retained Earnings Test
Learn more →MS
$6.65
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$20.84B
Δ Market Cap
+$138.59B
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
MTB
$1.18
created per $1 retained over 3 years
Value Creator
Σ Retained
$5.13B
Δ Market Cap
+$6.03B
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
Discounted Cash Flow (DCF) Analysis
Learn more →MS
45.5% Margin of Safety
Price is 45.5% below estimated fair value
Current Price: $158.55
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $290.92
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
MTB
65.7% Margin of Safety
Price is 65.7% below estimated fair value
Current Price: $196.24
Strongly undervalued
Fairly valued
Strongly overvalued
Fair Value: $572.58
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Reverse DCF — Market-Implied Growth
Learn more →MS
Requires positive FCF to compute implied growth rate.
MTB
Requires positive FCF to compute implied growth rate.
Economic Moat Score
Learn more →MS
32/100
No Moat
70+ Wide · 40-69 Narrow · <40 None
No durable moat detected, though revenue predictability shows some competitive positioning. The business lacks consistent evidence of sustainable advantages.
Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 4 years of fundamental data.
MTB
32/100
No Moat
70+ Wide · 40-69 Narrow · <40 None
No durable moat detected, though reinvestment efficiency shows some competitive positioning. The business lacks consistent evidence of sustainable advantages.
Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 5 years of fundamental data.
Forensic Accounting
Learn more →MS
-2.09
Possible Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone
M-Score Trend
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
MTB
-2.42
Unlikely Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone
M-Score Trend
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
Ownership Breakdown
Learn more →MS
Insiders 24.0%Institutions 62.7%Retail & Other 13.3%
No. of Institutional Holders3,182
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.
MTB
Insiders 0.3%Institutions 92.9%Retail & Other 6.8%
No. of Institutional Holders1,436
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.
High insider ownership aligns management incentives with shareholders. Institutional concentration can indicate smart-money conviction but also crowding risk.
Insider Buying Activity
Learn more →MS
0
Buys (3M)
1
Buys (12M)
Total value (12M): $5,630
PETERSON DOUGLAS L
Director
$5,630
@ $156.39 · 2025-10-17
Open market purchases · includes direct & indirect ownership · excludes option exercises
MTB
0
Buys (3M)
0
Buys (12M)
No open market insider purchases found.
Open market purchases · includes direct & indirect ownership · excludes option exercises
Open market purchases · includes direct & indirect ownership · excludes option exercises.
Insider Selling Activity
Learn more →MS
7
Sells (3M)
16
Sells (12M)
Total value (12M): $62.45M
SIMKOWITZ DANIEL A
President
$6.02M
@ $182.61 · 2026-01-30
GROSSMAN ERIC F
Officer
$3.97M
@ $184.00 · 2026-01-20
CRAWLEY MANDELL L.
Officer
$1.44M
@ $183.45 · 2026-01-20
YESHAYA SHARON
Chief Financial Officer
$2.94M
@ $185.77 · 2026-01-20
SMITH CHARLES AUBREY III
Officer
$1.55M
@ $182.08 · 2026-01-20
PIZZI MICHAEL A
Officer
$3.69M
@ $184.55 · 2026-01-20
SAPERSTEIN ANDREW MICHAEL
President
$5.57M
@ $183.62 · 2026-01-20
PICK EDWARD N.
Chief Executive Officer
$16.43M
@ $164.34 · 2025-10-31
GROSSMAN ERIC F
Officer
$1.69M
@ $141.12 · 2025-07-17
SIMKOWITZ DANIEL A
President
$4.09M
@ $141.13 · 2025-07-17
SMITH CHARLES AUBREY III
Officer
$2.81M
@ $140.30 · 2025-07-17
PIZZI MICHAEL A
Officer
$2.53M
@ $140.62 · 2025-07-17
SIMKOWITZ DANIEL A
President
$3.70M
@ $127.37 · 2025-05-12
HERZ ROBERT H
Director
$95,459
@ $119.32 · 2025-05-02
SAPERSTEIN ANDREW MICHAEL
President
$4.80M
@ $120.00 · 2025-05-02
GROSSMAN ERIC F
Officer
$1.12M
@ $111.65 · 2025-04-15
CRAWLEY MANDELL L.
Officer
$1.15M
@ $138.06 · 2025-01-22
GROSSMAN ERIC F
Officer
$1.78M
@ $136.20 · 2025-01-21
SIMKOWITZ DANIEL A
President
$5.00M
@ $136.61 · 2025-01-21
AKRAM RAJA
Chief Financial Officer
$2.38M
@ $136.01 · 2025-01-21
PIZZI MICHAEL A
Officer
$2.52M
@ $136.92 · 2025-01-21
SAPERSTEIN ANDREW MICHAEL
President
$4.20M
@ $136.43 · 2025-01-21
CRAWLEY MANDELL L.
Officer
$368,375
@ $105.25 · 2024-07-26
AKRAM RAJA
Officer
$797,764
@ $106.37 · 2024-07-18
SIMKOWITZ DANIEL A
President
$4.26M
@ $106.54 · 2024-07-17
HERZ ROBERT H
Director
$106,621
@ $106.62 · 2024-07-17
CRAWLEY MANDELL L.
Officer
$692,663
@ $99.61 · 2024-05-14
GORMAN JAMES P
Officer and Director
$9.02M
@ $90.21 · 2024-04-18
SMITH CHARLES AUBREY III
Officer
$1.01M
@ $90.09 · 2024-04-17
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
MTB
6
Sells (3M)
11
Sells (12M)
Total value (12M): $10.17M
WISLER MICHAEL A
Officer
$1.84M
@ $223.51 · 2026-02-26
WOODROW TRACY S
Officer
$246,623
@ $234.21 · 2026-02-11
BARNES JOHN P
Director
$5.00M
@ $235.85 · 2026-02-09
WALTERS KIRK W
Director
$206,676
@ $227.37 · 2026-02-03
TAYLOR JOHN R
Officer
$158,638
@ $225.34 · 2026-02-02
GEISEL GARY N
Director
$191,369
@ $215.99 · 2026-01-28
KAY CHRISTOPHER E
Officer
$1.01M
@ $191.70 · 2025-11-26
WOODROW TRACY S
Officer
$693,061
@ $202.12 · 2025-08-29
TAYLOR JOHN R
Officer
$89,502
@ $199.78 · 2025-08-26
D'ARCY PETER
Officer
$485,570
@ $197.31 · 2025-07-22
LEDGETT RICHARD H. JR.
Director
$252,178
@ $197.48 · 2025-07-21
KAY CHRISTOPHER E
Officer
$299,527
@ $172.34 · 2025-03-12
WOODROW TRACY S
Officer
$468,200
@ $220.74 · 2024-11-26
SALAMONE DENIS J
Director
$2.23M
@ $223.41 · 2024-11-25
WISLER MICHAEL A
Officer
$2.40M
@ $213.05 · 2024-11-14
TODARO MICHAEL J
Officer
$1.02M
@ $214.10 · 2024-11-12
PEARSON KEVIN J
Officer
$1.47M
@ $195.88 · 2024-11-01
O HARA LAURA PROSKE
Officer
$956,118
@ $196.93 · 2024-10-28
TAYLOR JOHN R
Officer
$280,057
@ $195.03 · 2024-10-28
JONES RENE F.
Chief Executive Officer
$4.47M
@ $193.88 · 2024-10-28
SALAMONE DENIS J
Director
$1.72M
@ $172.03 · 2024-09-03
TODARO MICHAEL J
Officer
$778,897
@ $162.58 · 2024-08-09
PEARSON KEVIN J
Officer
$989,066
@ $162.27 · 2024-08-09
GEISEL GARY N
Director
$86,249
@ $172.50 · 2024-07-24
BARNES JOHN P
Director
$6.71M
@ $154.50 · 2024-05-14
KAY CHRISTOPHER E
Officer
$280,034
@ $153.78 · 2024-05-10
BARNES JOHN P
Director
$9.71M
@ $148.16 · 2024-05-06
WALTERS KIRK W
Director
$2.39M
@ $148.01 · 2024-05-06
MEISTER DORIS P
Officer
$495,125
@ $147.27 · 2024-05-03
BARNES JOHN P
Director
$2.95M
@ $147.56 · 2024-04-26
MEISTER DORIS P
Officer
$226,388
@ $138.21 · 2024-04-17
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives.
🎭 Mr. Market's Mood
Learn more →MS
😐Neutral(48/100)
"Market is pricing this stock without strong emotion in either direction"
Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
MTB
😐Neutral(42/100)
"Market is pricing this stock without strong emotion in either direction"
Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
Composite sentiment score based on market signals. Inspired by Buffett’s "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
⚖️ Buffett Signal
Learn more →MS
⚪Awaiting DCF Data
The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.
DCF Margin of Safety: N/AMr. Market's Mood: Neutral (48)
MTB
⚪Awaiting DCF Data
The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.
DCF Margin of Safety: N/AMr. Market's Mood: Neutral (42)