Compare price, profitability, solvency, and SEC-reported financials side by side—before deciding which assumptions deserve a closer look.
FY 2025 · Mkt capMarket cap $26.26B · View financials
Decision snapshot: MTB stock price vs CINF: inconclusive Relative valuation is incomplete for this pair. Review the available filing metrics before drawing a conclusion.
Quick read
Each company valued on the other's multiple, then compared with the market price.
Implied fair value · at CINF's multiple
Needs CINF P/E.
Implied fair value · at MTB's multiple
Needs MTB P/E.
Snapshot Sep 4, 4:00 PM ET
Metric by metric
Filter, sort, and scan the equity metrics that matter most for banks: book value, tangible book, returns, and operating efficiency.
Lower is better
Lower is better
Profitability lag
Asset efficiency lag
Lower is better
Statements
Bank-focused income statement and equity metrics aligned to the reporting windows.
SEC periods: MTB FY 2025 (ended Dec 31, 2025) · CINF FY 2025 (ended Dec 31, 2025).
Trendline
Five fiscal years of revenue, earnings, and margins before underwriting a re-rating.
Price framework
Tangible book and profitability anchor a bank, not enterprise value.
Deposits and cash-like balances distort enterprise value for banks, so this section reads equity value, tangible book and profitability instead.
Price / book
Market cap
—
Tangible equity
$20.65B
Price / tangible book
—
Price / book
—
Return on equity
9.8%
Return on assets
1.3%
Efficiency ratio
41.5%
Price / book
Market cap
$26.26B
Tangible equity
—
Price / tangible book
—
Price / book
1.65x
Return on equity
15.0%
Return on assets
5.8%
Efficiency ratio
—
Price framework
The same filing-backed model used on each company's valuation page, with company-specific inputs and calculated scenarios.
M&T BANK CORPORATION · implied price per share
Bank model off — standard DCF modelling is disabled for financial institutions.
CINCINNATI FINANCIAL CORPORATION · implied price per share
Debt and bridge-cash inputs are required to translate enterprise value into equity value.
Balance sheet health
Financial health checks to separate durable balance sheets from potential value traps.
Financial strength on a 0–9 scale.
Bankruptcy-risk signal from balance sheet and earnings power.
Not enough data to score either balance sheet.
Debt / equity
Total debt against shareholders' equity
0.45x
0.05x
Net debt / EBITDA
Leverage against operating earnings
—
-3.81x
Cash and equivalents
Liquid reserves on the balance sheet
—
$12.69B
Total debt
Interest-bearing obligations outstanding
$13.06B
$790.00M
Comparable set
Where the pair sits against the wider banking comparable set.
Keep comparing
Open adjacent comparisons from the same industry to pressure-test the read across multiple pairs.
JPMorgan Chase & Co.
MTB vs JPM
Bank of America Corporation
MTB vs BAC
Wells Fargo & Company
MTB vs WFC
Citigroup Inc.
MTB vs C
PNC FINANCIAL SERVICES GROUP, INC.
MTB vs PNC
ALLSTATE CORP
MTB vs ALL
TRAVELERS COMPANIES, INC.
MTB vs TRV
HARTFORD FINANCIAL SERVICES GROUP, INC.
MTB vs HIG
BERKLEY W R CORP
MTB vs WRB
Chubb Ltd
MTB vs CB
LLM-powered synthesis
An on-demand narrative read of the same deterministic data.
The deterministic comparison remains available. Sign in when you want an on-demand narrative synthesis of the same data.
