Tilly’S, Inc.
0.62xPrice / book
Market cap
$52.70M
Tangible equity
—
Price / tangible book
—
Price / book
0.62x
Return on equity
-20.5%
Return on assets
-5.6%
Efficiency ratio
—
Compare price, profitability, solvency, and SEC-reported financials side by side—before deciding which assumptions deserve a closer look.
FY 2026 · Mkt capMarket cap $52.70M · View financials
Snapshot Sep 4, 4:00 PM ET
FY 2025 · Mkt cap
Decision snapshot: TLYS stock price at discount vs MTB $4.40 current versus $8.44 implied using P/B multiple.
Quick read
Each company valued on the other's multiple, then compared with the market price.
Implied fair value · at MTB's multiple
Implied fair value · at TLYS's multiple
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.
Multiple discount
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: TLYS FY 2026 (ended Jan 31, 2026) · MTB FY 2025 (ended Dec 31, 2025). Fiscal years are not aligned.
Trendline
Eight 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
$52.70M
Tangible equity
—
Price / tangible book
—
Price / book
0.62x
Return on equity
-20.5%
Return on assets
-5.6%
Efficiency ratio
—
Price / tangible book
Market cap
$34.64B
Tangible equity
$20.65B
Price / tangible book
1.68x
Price / book
1.19x
Return on equity
9.8%
Return on assets
1.3%
Efficiency ratio
41.5%
Price framework
The same filing-backed model used on each company's valuation page, with company-specific inputs and calculated scenarios.
TILLY’S, INC. · implied price per share
Latest annual free cash flow must be positive to qualify the filing-backed baseline.
M&T BANK CORPORATION · implied price per share
Bank model off — standard DCF modelling is disabled for financial institutions.
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.
Debt / equity
Total debt against shareholders' equity
1.98x
0.45x
Net debt / EBITDA
Leverage against operating earnings
-17.50x
—
Cash and equivalents
Liquid reserves on the balance sheet
$46.31M
—
Total debt
Interest-bearing obligations outstanding
$168.65M
$13.06B
Comparable set
Where the pair sits against the wider banking comparable set.
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