MTB vs FITB Comparison: AI Score, Valuation, Performance and Upside
Compare M&T Bank's commercial-real-estate-heavy book against Fifth Third's more diversified consumer and commercial mix.
Use this M&T Bank vs Fifth Third Bancorp comparison to evaluate the key differences across valuation, growth, profitability, and risk before making an investment decision.
FITB holds the edge across 4 of 5 key metrics in this comparison. FITB leads on both 1-year return (+29.86%) and forward P/E quality (11.04x vs 11.26x for MTB), a relatively favorable combination of momentum and valuation. On fundamentals, FITB is growing revenue faster (51.80%), while MTB maintains the higher operating margin (45.11%) — a classic growth-versus-profitability split. Analyst consensus implies meaningfully more upside for FITB (+15.33%) than for MTB (+8.41%).
Human Wall Street analysts' price targets, typically implying a ~12-month view — a separate signal from this site's own AI Prediction Signal further down the page, which is a 5-/30-day machine-learning forecast based on price history alone.
| Metric | MTB | FITB |
|---|---|---|
| AI scorei | 43.2 | 56.5 |
| AI ranki | #881 | #221 |
| Latest closei | $222.07 | $53.93 |
| 1M returni | +1.34% | +6.02% |
| 3M returni | -12.25% | -6.65% |
| 6M returni | +3.06% | +7.22% |
| 1Y returni | +21.53% | +29.86% |
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | MTB | FITB |
|---|---|---|
| 1Y ago | $12.28K (+22.8%) started 2025-11-04 | $12.79K (+27.9%) started 2025-11-04 |
| 5Y ago | $18.21K (+82.1%) started 2021-11-04 | $16.29K (+62.9%) started 2021-11-04 |
| 10Y ago | $30.56K (+205.6%) started 2016-11-04 | $48.67K (+386.7%) started 2016-11-04 |
Hypothetical — past performance does not guarantee future results.
| Metric | MTB | FITB |
|---|---|---|
| Market capi | $34.27B | $49.46B |
| Trailing P/Ei | 12.56 | 18.36 |
| Forward P/Ei | 11.26 | 11.04 |
| Price/Salesi | N/A | N/A |
| EV/Revenuei | 3.99 | 6.72 |
| Analyst targeti | $257.25 | $62.90 |
| Target upsidei | +8.41% | +15.33% |
| Metric | MTB | FITB |
|---|---|---|
| Revenue growthi | 6.20% | 51.80% |
| Earnings growthi | 25.50% | -5.70% |
| EPS growthi | +25.50% | -5.70% |
| FCF margini | N/A | N/A |
| Operating margini | 45.11% | 39.08% |
| Profit margini | 32.09% | 23.24% |
| ROIC proxyi | 10.74% | 8.44% |
| Return on equityi | 10.74% | 8.44% |
| Dividend yieldi | 2.53% | 2.93% |
| Payout ratioi | 31.71% | 53.87% |
| Dividend growth streaki | No increase yet | No increase yet |
| Betai | 0.57 | 0.92 |
| Debt/equityi | N/A | N/A |
| Current ratioi | N/A | N/A |
| Quick ratioi | N/A | N/A |
Over the past year, MTB and FITB have moved strongly in the same direction (correlation of 0.88), based on daily returns.
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
| Period | Metric | MTB | FITB |
|---|---|---|---|
| 1Y | Growthi | +22.76% | +27.95% |
| CAGRi | +22.81% | +28.01% | |
| Volatilityi | 21.16% | 25.25% | |
| Sharpe ratioi | 0.88 | 0.94 | |
| Sortino ratioi | 1.27 | 1.37 | |
| Max drawdowni | 17.55% | 21.21% | |
| Current drawdowni | 12.60% | 9.16% | |
| Avg drawdowni | 6.07% | 6.80% | |
| Ulcer Indexi | 8.14% | 8.82% | |
| Max daily dropi | 4.47% | 5.43% | |
| Max wkly dropi | 8.24% | 10.47% | |
| 5Y | Growthi | +61.44% | +40.76% |
| CAGRi | +10.05% | +7.08% | |
| Volatilityi | 29.57% | 31.34% | |
| Sharpe ratioi | 0.32 | 0.23 | |
| Sortino ratioi | 0.46 | 0.33 | |
| Max drawdowni | 40.71% | 51.68% | |
| Current drawdowni | 12.60% | 9.16% | |
| Avg drawdowni | 14.37% | 19.60% | |
| Ulcer Indexi | 17.79% | 24.24% | |
| Max daily dropi | 13.89% | 13.57% | |
| Max wkly dropi | 16.44% | 27.41% | |
| 10Y | Growthi | +132.30% | +243.52% |
| CAGRi | +8.80% | +13.14% | |
| Volatilityi | 32.78% | 36.13% | |
| Sharpe ratioi | 0.28 | 0.40 | |
| Sortino ratioi | 0.42 | 0.57 | |
| Max drawdowni | 52.97% | 64.06% | |
| Current drawdowni | 12.60% | 9.16% | |
| Avg drawdowni | 15.62% | 16.74% | |
| Ulcer Indexi | 19.64% | 21.59% | |
| Max daily dropi | 13.89% | 21.78% | |
| Max wkly dropi | 26.38% | 33.92% |
| Category | MTB | FITB |
|---|---|---|
| Company | MTB | FITB |
| Sector | Financial Services | Financial Services |
| Industry | Banks - Regional | Banks - Regional |
| Core business | M&T Bank Corporation operates as a bank holding company for Manufacturers and Traders Trust Company and Wilmington Trust, National Association that provides retail and commercial banking products and services in the Uni… | Fifth Third Bancorp operates as the bank holding company for Fifth Third Bank, National Association that provides a range of financial products and services in the United States. |
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Volatility, Sharpe and Sortino ratios, maximum, current, and average drawdown, Ulcer Index, and worst single-day and single-week drops across every timeframe.
Pairwise daily-return correlation for every combination, so you can see whether two holdings actually diversify each other or just move together.
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