Richard Ledgett - MT Bank Independent Director

MTB Stock  USD 139.30  0.26  0.19%   

Director

Mr. Richard H. Ledgett, Jr. is Independent Director of the company. He is a private consultant since 2017. He served as Deputy Director and Chief Operating Officer of the National Security Agency, the largest intelligence organization in the U.S., from January 2014 until his retirement in April 2017, and worked for the NSA for 29 years. Mr. Ledgett is a member of the U.S. Naval Academys Cyber Board of Advisors and has served as an instructor and course developer at the National Cryptologic School within the NSA in Washington, D.C. and as an adjunct faculty member at the National Intelligence University in Washington, D.C. He is a director of MT Bank and a member of its Risk Committee since 2017.
Age 63
Tenure 7 years
Address One M&T Plaza, Buffalo, NY, United States, 14203
Phone716 635 4000
Webhttps://www3.mtb.com
Ledgett brings four decades of specialty expertise in the areas of intelligence, cyber security and cyber operations. He holds a BS in Psychology from the University of the State of New York in Albany, New York and a MS in Strategic Intelligence from the Defense Intelligence College.

MT Bank Management Efficiency

The company has Return on Asset of 0.0123 % which means that on every $100 spent on assets, it made $0.0123 of profit. This is way below average. In the same way, it shows a return on shareholders' equity (ROE) of 0.0978 %, implying that it generated $0.0978 on every 100 dollars invested. MT Bank's management efficiency ratios could be used to measure how well MT Bank manages its routine affairs as well as how well it operates its assets and liabilities. The current year's Return On Equity is expected to grow to 0.12, whereas Return On Tangible Assets are forecasted to decline to 0.01. At present, MT Bank's Total Assets are projected to increase significantly based on the last few years of reporting. The current year's Other Assets is expected to grow to about 177.7 B, whereas Non Current Assets Total are forecasted to decline to about 5.3 B.
The company has 13.2 B in debt with debt to equity (D/E) ratio of 6.59, demonstrating that the company may be unable to create cash to meet all of its financial commitments. Debt can assist MT Bank until it has trouble settling it off, either with new capital or with free cash flow. So, MT Bank's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like MT Bank Corp sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for MTB to invest in growth at high rates of return. When we think about MT Bank's use of debt, we should always consider it together with cash and equity.

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MT Bank Corporation operates as a bank holding company that provides commercial and retail banking services. MT Bank Corporation was founded in 1856 and is headquartered in Buffalo, New York. MT Bank operates under BanksRegional classification in the United States and is traded on New York Stock Exchange. It employs 22879 people. MT Bank Corp (MTB) is traded on New York Stock Exchange in USA. It is located in One M&T Plaza, Buffalo, NY, United States, 14203 and employs 21,736 people. MT Bank is listed under Regional Banks category by Fama And French industry classification.

Management Performance

MT Bank Corp Leadership Team

Elected by the shareholders, the MT Bank's board of directors comprises two types of representatives: MT Bank inside directors who are chosen from within the company, and outside directors, selected externally and held independent of MTB. The board's role is to monitor MT Bank's management team and ensure that shareholders' interests are well served. MT Bank's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, MT Bank's outside directors are responsible for providing unbiased perspectives on the board's policies.
Francesco Lagutaine, Senior Vice President Chief Marketing and Communications Officer
Glenn Jackson, Group Vice President Chief Diversity Officer
Michael Todaro, Executive Vice President, Chief Risk Officer
Michele Trolli, Executive Vice President and head of corporate operations and enterprise initiatives
Melinda Rich, Independent Director
Newton Merrill, Independent Director
Robert Sadler, Independent Director
Robert Wilmers, Chairman, CEO, Chairman of Executive Committee, Chairman of MandT Bank and CEO of MandT Bank
Gino Martocci, Executive Vice President
Mark Czarnecki, President, COO, Director and President of MandT Bank, COO of MandT Bank and Director of MandT Bank
Edward Amoroso, Director
Brent Baird, Independent Director
Tracy Woodrow, Chief Human Resource Officer, Executive Vice President
Hugh Giorgio, Head Banking
Michael Spychala, Controller VP
Scott Warman, Executive Vice President Treasurer
Richard King, Independent Director
John Barnes, Director
Stephen Braunscheidel, Executive Vice President
John Hawke, Independent Director
John Rumschik, Senior President
Charles Pinckney, Regional Market
John Angelo, Executive Vice President Chief Risk Officer
Robert Bojdak, Executive Vice President Chief Credit Officer
Doris Meister, Executive Vice President
Daryl Bible, Senior Officer
Richard Ledgett, Independent Director
C Bontempo, Independent Director
Edward Tierney, Senior President
Denis Salamone, Independent Director
Brian Hickey, Executive Vice President
Herbert Washington, Independent Director
Calvin Butler, Independent Director
Marianne Roche, Chief Mang
Donald MacLeod, IR Contact Officer
Richard Grossi, Independent Director
Laura OHara, Senior Vice President General Counsel
Rene Jones, Chairman of the Board, Chief Executive Officer
Jennifer Warren, Executive Vice President
Leslie Godridge, Independent Director
William Farrell, Executive Vice President
Angela Bontempo, Independent Director
Angelo D, Executive Vice President and director of environmental, social, and governance
Patrick Hodgson, Independent Director
Laura Hara, Senior Vice President General Counsel
Darren King, Chief Financial Officer, Executive Vice President
Krik Walters, Director
Julianne Urban, Senior Auditor
John Scannell, Independent Director
Brian Klock, Senior Vice President
Gary Geisel, Independent Director
Rene CPA, Chairman CEO
Jefferson Cunningham, Independent Director
Christopher Kay, Executive Vice President and Head of Consumer Banking, Business Banking and Marketing
Aarthi Murali, Chief Customer Experience Officer
Richard Gold, Chief Risk Officer,Executive VP, Vice Chairman of MandT Bank and Chief Risk Officer of MandT Bank
Christopher JD, Senior Platforms
Kevin Pearson, Executive VP, Vice Chairman of MandT Bank and Executive VP of The MandT Bank
Rudina Seseri, Independent Director
Janet Coletti, Executive Vice President
T Cunningham, Independent Director
Jane Chwick, Director
David Scharfstein, Independent Director
Michael Wisler, Senior Officer
Grace Lee, Regional Banking
Robert Brady, Non-Executive Vice Chairman of the Board, Lead Independent Director
D Warman, Executive Vice President Treasurer
William Cruger, Director
Matthew Calhoun, Senior Network

MTB Stock Performance Indicators

The ability to make a profit is the ultimate goal of any investor. But to identify the right stock is not an easy task. Is MT Bank a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.

MT Bank Investors Sentiment

The influence of MT Bank's investor sentiment on the probability of its price appreciation or decline could be a good factor in your decision-making process regarding taking a position in MTB. The overall investor sentiment generally increases the direction of a stock movement in a one-year investment horizon. However, the impact of investor sentiment on the entire stock market does not have solid backing from leading economists and market statisticians.
Investor biases related to MT Bank's public news can be used to forecast risks associated with an investment in MTB. The trend in average sentiment can be used to explain how an investor holding MTB can time the market purely based on public headlines and social activities around MT Bank Corp. Please note that most equities that are difficult to arbitrage are affected by market sentiment the most.
MT Bank's market sentiment shows the aggregated news analyzed to detect positive and negative mentions from the text and comments. The data is normalized to provide daily scores for MT Bank's and other traded tickers. The bigger the bubble, the more accurate is the estimated score. Higher bars for a given day show more participation in the average MT Bank's news discussions. The higher the estimated score, the more favorable is the investor's outlook on MT Bank.

MT Bank Implied Volatility

    
  44.71  
MT Bank's implied volatility exposes the market's sentiment of MT Bank Corp stock's possible movements over time. However, it does not forecast the overall direction of its price. In a nutshell, if MT Bank's implied volatility is high, the market thinks the stock has potential for high price swings in either direction. On the other hand, the low implied volatility suggests that MT Bank stock will not fluctuate a lot when MT Bank's options are near their expiration.
Some investors attempt to determine whether the market's mood is bullish or bearish by monitoring changes in market sentiment. Unlike more traditional methods such as technical analysis, investor sentiment usually refers to the aggregate attitude towards MT Bank in the overall investment community. So, suppose investors can accurately measure the market's sentiment. In that case, they can use it for their benefit. For example, some tools to gauge market sentiment could be utilized using contrarian indexes, MT Bank's short interest history, or implied volatility extrapolated from MT Bank options trading.

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When determining whether MT Bank Corp offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of MT Bank's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Mt Bank Corp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Mt Bank Corp Stock:
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When running MT Bank's price analysis, check to measure MT Bank's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy MT Bank is operating at the current time. Most of MT Bank's value examination focuses on studying past and present price action to predict the probability of MT Bank's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move MT Bank's price. Additionally, you may evaluate how the addition of MT Bank to your portfolios can decrease your overall portfolio volatility.
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Is MT Bank's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of MT Bank. If investors know MTB will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about MT Bank listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.25)
Dividend Share
5.2
Earnings Share
14.8
Revenue Per Share
52.864
Quarterly Revenue Growth
(0.1)
The market value of MT Bank Corp is measured differently than its book value, which is the value of MTB that is recorded on the company's balance sheet. Investors also form their own opinion of MT Bank's value that differs from its market value or its book value, called intrinsic value, which is MT Bank's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because MT Bank's market value can be influenced by many factors that don't directly affect MT Bank's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between MT Bank's value and its price as these two are different measures arrived at by different means. Investors typically determine if MT Bank is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, MT Bank's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.