MTB vs XHG

Comparison between M & T Bank Corp (MTB, Company) and XChange TEC.Inc American Depositary Shares (XHG, Company).

Both MTB and XHG are from the Financial Services sector.

MTB vs XHG - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	MTB(COMPANY)	XHG(COMPANY)
Market Cap	$35B	$35B
Max Drawdown	75.55%	99.84%
Sharpe Ratio	0.90	0.17
5Y Beta	0.87	0.43
Industry	Banks - Regional	Insurance Brokers
P/E Ratio	13.34	-334.83
Forward P/E	12.95	N/A
PEG Ratio	1.04	N/A
Dividend Yield	2.46%	N/A
5Y Dividends CAGR	10.81%	N/A
5Y EPS CAGR	4.55%	N/A
Debt to Equity	68.02%	-3.70%
Free Cash Flow Yield	9.65%	N/A
P/S Ratio	3.69	0.10
P/B Ratio	1.38	N/A

Market Cap

MTB

$35B

Winner

XHG

$35B

Max Drawdown

Winner

MTB

75.55%

XHG

99.84%

Sharpe Ratio

Winner

MTB

0.90

XHG

0.17

5Y Beta

MTB

0.87

Winner

XHG

0.43

Industry

MTB

Banks - Regional

XHG

Insurance Brokers

P/E Ratio

MTB

13.34

Winner

XHG

-334.83

Forward P/E

MTB

12.95

XHG

N/A

PEG Ratio

MTB

1.04

XHG

N/A

Dividend Yield

MTB

2.46%

XHG

N/A

5Y Dividends CAGR

MTB

10.81%

XHG

N/A

5Y EPS CAGR

MTB

4.55%

XHG

N/A

Debt to Equity

MTB

68.02%

Winner

XHG

-3.70%

Free Cash Flow Yield

MTB

9.65%

XHG

N/A

P/S Ratio

MTB

3.69

Winner

XHG

0.10

P/B Ratio

MTB

1.38

XHG

N/A

MTB vs XHG - Historical Returns

Returns include dividend reinvestment.

Period	MTB	XHG
1 month	+7.04%	-13.25%
3 months	+10.45%	+1.90%
6 months	+16.89%	+3.09%
1 year	+22.64%	-35.09%
5 years(CAGR)	+15.24%	N/A
10 years(CAGR)	+10.47%	N/A
Max(CAGR)	+8.95%	-93.85%

Winner

MTB

+7.04%

XHG

-13.25%

Winner

MTB

+10.45%

XHG

+1.90%

Winner

MTB

+16.89%

XHG

+3.09%

Winner

MTB

+22.64%

XHG

-35.09%

5Y(CAGR)

MTB

+15.24%

XHG

N/A

10Y(CAGR)

MTB

+10.47%

XHG

N/A

Max(CAGR)

Winner

MTB

+8.95%

XHG

-93.85%

MTB vs XHG - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	MTB	XHG
2026	+20.19%	-3.17%
2025	+10.48%	-95.37%
2024	+39.71%	-94.74%
2023	-1.61%	N/A
2022	-5.85%	N/A
2021	+24.76%	N/A
2020	-22.69%	N/A
2019	+20.18%	N/A
2018	-14.69%	N/A
2017	+11.15%	N/A
2016	+36.28%	N/A
2015	-1.12%	N/A
2014	+11.72%	N/A
2013	+18.22%	N/A
2012	+30.33%	N/A
2011	-10.03%	N/A
2010	+34.50%	N/A
2009	+23.24%	N/A
2008	-25.55%	N/A
2007	-31.82%	N/A
2006	+12.19%	N/A
2005	+4.73%	N/A
2004	+12.23%	N/A
2003	+22.06%	N/A
2002	+10.99%	N/A
2001	+13.92%	N/A
2000	+69.50%	N/A
1999	-16.09%	N/A

MTB vs XHG Drawdown Comparison

The maximum drawdown for MTB was -73.52%, occurring on Mar 5, 2009. Recovery took 1428 trading sessions.

The maximum drawdown for XHG was -99.84%, occurring on Mar 6, 2026. This drawdown has not yet recovered.

The current MTB drawdown is -0.29%. The current XHG drawdown is -99.82%.

Rank	MTB	XHG
#1	-73.52% Feb 20, 2007 - Oct 17, 2012	-99.84% Sep 24, 2024 - Mar 6, 2026
#2	-52.97% Mar 9, 2018 - Jan 7, 2022	-51.11% Aug 1, 2024 - Sep 24, 2024
#3	-40.69% Sep 12, 2022 - Sep 19, 2024	-36.58% Jun 4, 2024 - Jul 5, 2024
#4	-28.19% Nov 25, 2024 - Jan 8, 2026	-15.24% May 29, 2024 - May 31, 2024
#5	-26.75% Nov 2, 1999 - Aug 4, 2000	-9.32% Jul 25, 2024 - Aug 1, 2024
#6	-23.95% May 17, 2002 - May 30, 2003	-7.08% Jul 5, 2024 - Jul 25, 2024
#7	-23.47% Jul 22, 2015 - Nov 9, 2016	N/A
#8	-19.77% Jul 20, 2001 - Mar 14, 2002	N/A
#9	-18.02% Feb 16, 2022 - Aug 10, 2022	N/A
#10	-16.99% Feb 6, 2026 - Jun 25, 2026	N/A
#11	-16.08% Mar 1, 2017 - Dec 1, 2017	N/A
#12	-15.04% Dec 30, 2003 - Aug 18, 2004	N/A
#13	-13.61% Jan 14, 2022 - Feb 16, 2022	N/A
#14	-12.43% Mar 7, 2001 - Mar 30, 2001	N/A
#15	-12.30% Dec 5, 2014 - Mar 20, 2015	N/A

Correlation

Correlation between MTB and XHG is -0.66 which considered as a moderate negative correlation - the stocks show some tendency to move in opposite directions.

-0.66

-101