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 (+14.33%) 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 | 52.1 | 55.5 |
| AI ranki | #413 | #266 |
| Latest closei | $227.31 | $52.91 |
| 1M returni | -7.05% | -3.73% |
| 6M returni | +15.83% | +21.19% |
| 1Y returni | +13.41% | +14.33% |
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 | $11.34K (+13.4%) started 2025-09-18 | $11.43K (+14.3%) started 2025-09-18 |
| 5Y ago | $21.45K (+114.5%) started 2021-09-20 | $18.52K (+85.2%) started 2021-09-20 |
| 10Y ago | $33.12K (+231.2%) started 2016-09-19 | $49.82K (+398.2%) started 2016-09-19 |
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 | 31.76% | 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 0.87), 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 | +13.41% | +14.33% |
| CAGRi | +13.42% | +14.34% | |
| Volatilityi | 21.78% | 26.39% | |
| Sharpe ratioi | 0.48 | 0.47 | |
| Sortino ratioi | 0.68 | 0.65 | |
| Max drawdowni | 17.55% | 21.21% | |
| Current drawdowni | 10.54% | 10.88% | |
| Avg drawdowni | 5.81% | 6.59% | |
| Ulcer Indexi | 7.45% | 8.27% | |
| Max daily dropi | 4.47% | 5.96% | |
| Max wkly dropi | 8.24% | 10.47% | |
| 5Y | Growthi | +90.21% | +58.69% |
| CAGRi | +13.74% | +9.69% | |
| Volatilityi | 30.00% | 31.55% | |
| Sharpe ratioi | 0.43 | 0.31 | |
| Sortino ratioi | 0.62 | 0.44 | |
| Max drawdowni | 40.71% | 51.68% | |
| Current drawdowni | 10.54% | 10.88% | |
| Avg drawdowni | 14.07% | 19.33% | |
| Ulcer Indexi | 17.65% | 24.14% | |
| Max daily dropi | 13.89% | 13.57% | |
| Max wkly dropi | 16.44% | 27.41% | |
| 10Y | Growthi | +151.80% | +248.69% |
| CAGRi | +9.68% | +13.31% | |
| Volatilityi | 32.77% | 36.12% | |
| Sharpe ratioi | 0.31 | 0.40 | |
| Sortino ratioi | 0.45 | 0.58 | |
| Max drawdowni | 52.97% | 64.06% | |
| Current drawdowni | 10.54% | 10.88% | |
| Avg drawdowni | 15.44% | 16.58% | |
| Ulcer Indexi | 19.56% | 21.53% | |
| 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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