MTB vs TCBI
M&T Bank vs Texas Capital Bancshares — AI-powered side-by-side comparison
VS
TCBI
Texas Capital Bancshares
70
Buy
| Metric | MTB | TCBI |
|---|
| AI Score |
70
|
70
|
| Price |
$253.33
|
$100.84
|
| P/E Ratio |
13.65×
|
13.06×
|
| ROE |
9.8%
|
9.1%
|
| Revenue Growth YoY |
—
|
—
|
| Gross Margin |
76.0%
|
62.4%
|
| Debt / Equity |
0.65×
|
0.23×
|
| Dividend Yield |
2.4%
|
0.2%
|
| RSI (14) |
63.6
|
55.6
|
| Beta |
0.573
|
0.671
|
| Expected Upside |
—
|
+5.9%
|
AI Committee View
Current Innellis committee reasoning for MTB versus TCBI.
The committee scores are tied.
MTB and TCBI both score 70/100.
MTB Committee View
100% agreement
6 analysts
The primary driver is revenue growing 86.2% yoy -- genuine top-line momentum. The main limiting factor is sector concentration is already high (hhi 2504.4). The committee is constructive but not yet at full conviction.
Bull Case
- P/E of 12.1 is inexpensive for the broad market — Value
- Price-to-book of 1.1x is a discount to asset value — Value
- Revenue growing 86.2% YoY -- genuine top-line momentum — Growth
Bear Case
- MACD histogram negative -- bearish momentum — Technical
- Weekly RSI at 76 -- overbought on the larger timeframe too — Technical
TCBI Committee View
67% agreement
6 analysts
The committee is split. Analysts see this stock differently enough that the current rating reflects genuine uncertainty, not a weak signal.
Bull Case
- P/E of 12.0 is inexpensive for the broad market — Value
- Price-to-book of 1.1x is a discount to asset value — Value
- Revenue growing 62.2% YoY -- genuine top-line momentum — Growth
Bear Case
- News sentiment is negative (-0.17 across 6 articles, 14d) — News