Which Financial Institution Excels? M&T Bank (NYSE:MTB) vs Central Pacific Financial (NYSE:CPF)?

February 10, 2025 11:26 PM PST | By Team Kalkine Media

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Which Financial Institution Excels? M&T Bank (NYSE:MTB) vs Central Pacific Financial (NYSE:CPF)? — Image source: Shutterstock

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Highlights

M&T Bank (NYSE:MTB) reports higher revenue and net income than Central Pacific Financial (NYSE:CPF).

M&T Bank exhibits a lower beta, resulting in less volatile share price movements.

Both institutions maintain strong institutional investment backing.

The companies operate in the banking and financial services sector, providing deposit services, lending, and various financial solutions to individual and business clients. Their operations play a vital role in regional economic activity and support the financial infrastructure of their communities.

Stability & Volatility

M&T Bank (NYSE:MTB) exhibits a beta of 0.79, meaning its share price movements are less pronounced compared to overall market fluctuations. In contrast, Central Pacific Financial (NYSE:CPF) has a beta of 1.19, which corresponds to more dynamic share price changes relative to the broader market index.

Dividend Information

M&T Bank offers an annual dividend of 5.40 dollars per share, yielding 2.7 percent with a payout ratio of 36.9 percent. Central Pacific Financial distributes an annual dividend of 1.04 dollars per share, resulting in a yield of 3.5 percent and a payout ratio of 52.8 percent. Both institutions maintain dividend practices that are well supported by their earnings.

Valuation & Earnings

M&T Bank generated 9.28 billion dollars in gross revenue along with 2.59 billion dollars in net income, yielding earnings per share of 14.63 and a price-to-earnings ratio of 13.50. Central Pacific Financial recorded 344.82 million dollars in revenue and 53.41 million dollars in net income, with earnings per share of 1.97 and a price-to-earnings ratio of 14.90. The lower price-to-earnings ratio for M&T Bank means that its market price is lower in relation to its earnings when compared with Central Pacific Financial.

Profitability Metrics

M&T Bank achieved net margins of 19.24 percent and a return on assets of 1.25 percent. Meanwhile, Central Pacific Financial reported net margins of 15.49 percent with a return on assets of 0.85 percent. Additionally, Central Pacific Financial posted a return on equity of 12.03 percent, while M&T Bank recorded a return on equity of 10.12 percent.

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