Compare Stocks › MTB vs ORCL
M&T Bank Corporation (MTB) vs Oracle Corporation (ORCL)
MTB
M&T Bank Corporation
$196.24
VS
ORCL
Oracle Corporation
$155.52
Rewards
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.
ORCL
- ★Oracle Corporation has maintained ROIC above 10% for 4 consecutive years, suggesting solid business economics.
- ★Gross margin of 67.1% indicates strong pricing power — typical of businesses with significant intellectual property or brand strength.
- ★Oracle Corporation scores 71/100 on the Economic Moat Score (Wide Moat), with revenue predictability as the strongest competitive dimension.
Risks
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.
ORCL
- ⚠Despite buyback spending, shares outstanding increased in 3 out of 4 years — stock-based compensation is offsetting repurchases.
- ⚠High leverage (4.15x debt/equity) combined with thin interest coverage (-1.0x) poses financial risk.
- ⚠Net debt/EBITDA of 4.5x indicates heavy leverage — it would take over 4 years of EBITDA to pay off net debt.
Key Valuation Metrics
Learn more →MTB
ORCL
Valuation
N/A
Free Cash Flow
$-22.30B
N/A
FCF Yield
-4.99%
11.55
Trailing P/E
27.92
9.31
Forward P/E
19.51
Quality & Moat
21.21%
ROIC
8.22%
N/A
ROE
31.86%
0.00%
Gross Margin
67.08%
0.55
PEG Ratio
1.14
Balance Sheet Safety
N/A
Debt / Equity
4.15
N/A
Interest Coverage
N/A
N/A
Net Debt / EBITDA
4.48
3.06%
Dividend Yield
1.29%
MTB: 5Ties: 1ORCL: 1
MTBORCL
Historical Fundamentals
Learn more →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.
ORCL
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 →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
ORCL
$17.69
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$18.61B
Δ Market Cap
+$329.28B
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 →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
ORCL
235.9% Overvalued
Price is 235.9% above estimated fair value
Current Price: $155.52
Strongly undervalued
Strongly overvalued
Fair Value: $46.30
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Reverse DCF — Market-Implied Growth
Learn more →MTB
Requires positive FCF to compute implied growth rate.
ORCL
Requires positive FCF to compute implied growth rate.
Economic Moat Score
Learn more →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.
ORCL
71/100
Wide Moat
70+ Wide · 40-69 Narrow · <40 None
Wide moat driven primarily by revenue predictability. Reinvestment Efficiency is the area most vulnerable to competitive pressure.
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.
Forensic Accounting
Learn more →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.
ORCL
-2.57
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 →MTB
Insiders 0.3%Institutions 92.9%Retail & Other 6.8%
No. of Institutional Holders1,435
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.
ORCL
Insiders 40.5%Institutions 44.3%Retail & Other 15.1%
No. of Institutional Holders4,767
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 →MTB
0
Buys (3M)
0
Buys (12M)
No open market insider purchases found.
Open market purchases · includes direct & indirect ownership · excludes option exercises
ORCL
0
Buys (3M)
1
Buys (12M)
Total value (12M): $112,258
FAIRHEAD RONA ALISON
Director
$112,258
@ $233.87 · 2025-07-07
MOORMAN CHARLES W IV
Director
$947,913
@ $172.35 · 2025-02-12
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 →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
ORCL
4
Sells (3M)
22
Sells (12M)
Total value (12M): $1.90B
MAGOUYRK CLAYTON M
Chief Executive Officer
$1.55M
@ $155.23 · 2026-02-09
KEHRING DOUGLAS A
Officer
$6.82M
@ $194.89 · 2026-01-15
HURA MARK
Officer
$2.95M
@ $196.89 · 2025-12-24
SELIGMAN NAOMI O
Director
$437,064
@ $196.61 · 2025-12-23
MAGOUYRK CLAYTON M
Chief Executive Officer
$1.93M
@ $192.52 · 2025-12-19
SMITH MARIA
Officer
$2.80M
@ $280.31 · 2025-10-23
MAGOUYRK CLAYTON M
Chief Executive Officer
$11.07M
@ $276.64 · 2025-10-21
LEVEY STUART A
Officer
$5.93M
@ $300.00 · 2025-10-10
SELIGMAN NAOMI O
Director
$641,958
@ $288.91 · 2025-09-26
SICILIA MICHAEL D
Officer
$10.87M
@ $321.16 · 2025-09-23
SICILIA MICHAEL D
Officer
$5.12M
@ $313.60 · 2025-09-16
MAGOUYRK CLAYTON M
President
$6.31M
@ $297.11 · 2025-09-12
SICILIA MICHAEL D
Officer
$4.04M
@ $254.48 · 2025-08-05
SELIGMAN NAOMI O
Director
$770,656
@ $233.32 · 2025-07-16
SMITH MARIA
Officer
$2.33M
@ $232.99 · 2025-07-03
CATZ SAFRA A
Chief Executive Officer
$267.24M
@ $212.01 · 2025-06-27
CATZ SAFRA A
Chief Executive Officer
$794.64M
@ $212.50 · 2025-06-26
CATZ SAFRA A
Chief Executive Officer
$764.01M
@ $206.77 · 2025-06-23
CONRADES GEORGE HENRY
Director
$1.74M
@ $213.49 · 2025-06-17
MAGOUYRK CLAYTON M
Officer
$3.21M
@ $214.10 · 2025-06-17
SELIGMAN NAOMI O
Director
$428,562
@ $149.53 · 2025-05-05
SELIGMAN NAOMI O
Director
$291,620
@ $145.81 · 2025-04-02
CATZ SAFRA A
Chief Executive Officer
$705.46M
@ $185.40 · 2025-01-24
SMITH MARIA
Officer
$1.04M
@ $165.00 · 2024-09-16
ELLISON LAWRENCE JOSEPH
Chief Technology Officer
$322.05M
@ $143.13 · 2024-07-16
SCREVEN EDWARD LLOYD
Officer
$60.58M
@ $141.91 · 2024-07-10
SCREVEN EDWARD LLOYD
Officer
$5.22M
@ $140.19 · 2024-06-26
SCREVEN EDWARD LLOYD
Officer
$34.04M
@ $144.30 · 2024-06-20
BOSKIN MICHAEL J
Director
$5.30M
@ $117.74 · 2024-05-07
CONRADES GEORGE HENRY
Director
$2.32M
@ $116.00 · 2024-05-03
CONRADES GEORGE HENRY
Director
$2.90M
@ $116.13 · 2024-05-01
CATZ SAFRA A
Chief Executive Officer
$346.77M
@ $126.10 · 2024-03-27
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 →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.
ORCL
😨Fear(39/100)
"Market is pessimistic — investigate whether fears are temporary or structural"
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 →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)
ORCL
⚪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: Fear (39)