USB vs MTB Comparison: AI Score, Valuation, Performance and Upside
Compare U.S. Bancorp and M&T Bank by loan growth, deposit costs, capital ratios, and valuation.
Use this U.S. Bancorp vs M&T Bank comparison to evaluate the key differences across valuation, growth, profitability, and risk before making an investment decision.
USB holds the edge across 3 of 5 key metrics in this comparison. USB leads on both 1-year return (+19.62%) and forward P/E quality (10.79x vs 11.26x for MTB), a relatively favorable combination of momentum and valuation. On fundamentals, USB is growing revenue faster (10.40%), while MTB maintains the higher operating margin (45.11%) — a classic growth-versus-profitability split. Analyst consensus implies meaningfully more upside for USB (+12.56%) 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 | USB | MTB |
|---|---|---|
| AI scorei | 42.9 | 52.1 |
| AI ranki | #897 | #413 |
| Latest closei | $60.06 | $227.31 |
| 1M returni | -4.39% | -7.05% |
| 6M returni | +17.08% | +15.83% |
| 1Y returni | +19.62% | +13.41% |
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | USB | MTB |
|---|---|---|
| 1Y ago | $11.96K (+19.6%) started 2025-09-18 | $11.34K (+13.4%) started 2025-09-18 |
| 5Y ago | $15.29K (+52.9%) started 2021-09-20 | $21.45K (+114.5%) started 2021-09-20 |
| 10Y ago | $27.88K (+178.8%) started 2016-09-19 | $33.12K (+231.2%) started 2016-09-19 |
Hypothetical — past performance does not guarantee future results.
| Metric | USB | MTB |
|---|---|---|
| Market capi | $97.33B | $34.27B |
| Trailing P/Ei | 12.47 | 12.56 |
| Forward P/Ei | 10.79 | 11.26 |
| Price/Salesi | 2.75 | N/A |
| EV/Revenuei | 4.90 | 3.99 |
| Analyst targeti | $70.32 | $257.25 |
| Target upsidei | +12.56% | +8.41% |
| Metric | USB | MTB |
|---|---|---|
| Revenue growthi | 10.40% | 6.20% |
| Earnings growthi | 21.60% | 25.50% |
| EPS growthi | +21.60% | +25.50% |
| FCF margini | N/A | N/A |
| Operating margini | 39.65% | 45.11% |
| Profit margini | 29.90% | 32.09% |
| ROIC proxyi | 12.62% | 10.74% |
| Return on equityi | 12.62% | 10.74% |
| Dividend yieldi | 3.33% | 2.53% |
| Payout ratioi | 41.52% | 31.76% |
| Dividend growth streaki | No increase yet | No increase yet |
| Betai | 0.98 | 0.57 |
| Debt/equityi | N/A | N/A |
| Current ratioi | N/A | N/A |
| Quick ratioi | N/A | N/A |
Over the past year, USB and MTB have moved strongly in the same direction (correlation of 0.86), 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 | USB | MTB |
|---|---|---|---|
| 1Y | Growthi | +19.62% | +13.41% |
| CAGRi | +19.63% | +13.42% | |
| Volatilityi | 22.35% | 21.78% | |
| Sharpe ratioi | 0.72 | 0.48 | |
| Sortino ratioi | 1.00 | 0.68 | |
| Max drawdowni | 16.21% | 17.55% | |
| Current drawdowni | 8.19% | 10.54% | |
| Avg drawdowni | 5.29% | 5.81% | |
| Ulcer Indexi | 6.92% | 7.45% | |
| Max daily dropi | 4.86% | 4.47% | |
| Max wkly dropi | 6.82% | 8.24% | |
| 5Y | Growthi | +27.61% | +90.21% |
| CAGRi | +5.00% | +13.74% | |
| Volatilityi | 29.57% | 30.00% | |
| Sharpe ratioi | 0.16 | 0.43 | |
| Sortino ratioi | 0.23 | 0.62 | |
| Max drawdowni | 52.13% | 40.71% | |
| Current drawdowni | 8.19% | 10.54% | |
| Avg drawdowni | 20.19% | 14.07% | |
| Ulcer Indexi | 23.86% | 17.65% | |
| Max daily dropi | 10.04% | 13.89% | |
| Max wkly dropi | 22.45% | 16.44% | |
| 10Y | Growthi | +92.56% | +151.80% |
| CAGRi | +6.77% | +9.68% | |
| Volatilityi | 30.35% | 32.77% | |
| Sharpe ratioi | 0.22 | 0.31 | |
| Sortino ratioi | 0.31 | 0.45 | |
| Max drawdowni | 52.13% | 52.97% | |
| Current drawdowni | 8.19% | 10.54% | |
| Avg drawdowni | 15.86% | 15.44% | |
| Ulcer Indexi | 20.58% | 19.56% | |
| Max daily dropi | 14.44% | 13.89% | |
| Max wkly dropi | 27.80% | 26.38% |
| Category | USB | MTB |
|---|---|---|
| Company | USB | MTB |
| Sector | Financial Services | Financial Services |
| Industry | Banks - Regional | Banks - Regional |
| Core business | U.S. Bancorp, a financial services holding company, provides various financial services to individuals, businesses, institutional organizations, governmental entities, and other financial institutions in the United Stat… | 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… |
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