Discounted Cash Flow
M&t Bank Corp.
—
—
Average annual growth rates
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Endpoint CAGR (better for long term trend)
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Projected growth rate
—
—
%
%
Historical inputs (10 fiscal years)
| YEAR | Sales | Net Income | Free Cash Flow | Net Margin | EPS (diluted) |
|---|---|---|---|---|---|
| 2016 | $5.3b | $1.3b | $1.1b | 24.8% | $7.80 |
| 2017 | $5.6b (6.4%) | $1.4b (7.1%) | $2.7b (151.3%) | 25.0% (0.7%) | $8.72 (11.8%) |
| 2018 | $5.9b (5.3%) | $1.9b (36.2%) | $2.0b (-26.3%) | 32.4% (29.4%) | $12.75 (46.2%) |
| 2019 | $6.2b (4.4%) | $1.9b (0.6%) | $2.2b (9.4%) | 31.2% (-3.7%) | $13.76 (7.9%) |
| 2020 | $6.0b (-3.8%) | $1.4b (-29.9%) | $617.2m (-71.7%) | 22.7% (-27.1%) | $9.94 (-27.8%) |
| 2021 | $6.0b (0.6%) | $1.9b (37.4%) | $2.6b (315.8%) | 31.0% (36.5%) | $13.81 (38.9%) |
| 2022 | $8.2b (36.5%) | $2.0b (7.2%) | $4.4b (69.9%) | 24.4% (-21.5%) | $11.59 (-16.1%) |
| 2023 | $9.6b (17.9%) | $2.7b (37.6%) | $3.6b (-16.3%) | 28.4% (16.7%) | $15.85 (36.8%) |
| 2024 | $1.5b (-84.0%) | $2.6b (-5.6%) | $3.4b (-7.0%) | 167.9% (490.8%) | $14.71 (-7.2%) |
| 2025 | $1.7b (7.5%) | $2.9b (10.2%) | $2.9b (-15.7%) | 172.1% (2.5%) | $17.10 (16.2%) |
Base FCF: — (latest fiscal year)
Discount rate: % —
Terminal growth: —
Projection period: — years
Alt A decline yrs:
Alt B total yrs:
Values abbreviated: b = billions, m = millions, k = thousands.
Projected cash flows
| Year | Projected cash flow | Discount Factor | Present Value |
|---|
PV of projected FCF: —
Terminal FCF: —
Terminal value: —
PV of terminal value: —
Enterprise value (DCF): —
Current price: —
—Alternative DCF Models
| Model | Fair Value | Upside | PV(FCFs) | PV(Terminal) | Total Years |
|---|---|---|---|---|---|
| Standard (10yr→TV) | — | — | — | — | 10 + TV |
| Alt A (Gradual Decline) | — | — | — | — | — |
| Alt B (30yr Hard Stop) | — | — | — | N/A | — |
This is a simplified DCF model for illustration. It uses reported free cash flow, a single growth assumption, fixed WACC, and a Gordon Growth terminal value. It is not investment advice.