Expensify Inc vs M&T Bank Corporation — how do they compare? Expensify Inc trades at $1.78 (market cap $170.21M), while M&T Bank Corporation trades at $254.18 (market cap $36.02B). The key difference: M&T Bank Corporation is far larger — about 211.6× Expensify Inc's market cap, and M&T Bank Corporation pays a 2.41% dividend while Expensify Inc pays none. Which is the better fit depends on your goals.
| EXFY | MTB | |
|---|---|---|
Market Cap | $170.21M | $36.02B |
Sector | Technology | Financials |
52-Week High | $2.33 | $248.53 |
52-Week Low | $0.75 | $178.63 |
Enterprise Value | $109.24M | — |
Dividend Yield | — | 2.41% |
Signals from Pluang's Aura AI — not financial advice
Expensify (EXFY) trades at $1.77, down 2.21% on the day, with a bullish technical signal from moving averages but mixed earnings history. Revenue for 2025 was $142.10M, but the company posted a net loss of -$21.39M, with negative profit margins and ROE. Recent news highlights product innovations like AI-powered expense automation and a $25M stock buyback program, indicating active management efforts to drive growth and shareholder value.
The outlook remains challenging due to persistent unprofitability, though positive cash flow from operations and strategic partnerships offer some stability. Investment opportunities hinge on successful execution of new AI and travel billing initiatives to improve margins. Key risks include intense competition in expense management software and the company's ability to achieve sustained profitability amid fluctuating revenues.
M&T Bank (MTB) trades at $253.23, up 4.71% on strong Q2 2026 earnings that beat expectations with EPS of $5.35 versus $4.66 estimates. The stock shows bullish technical momentum with price above key resistance levels, supported by solid fundamentals including a 30.11% net income margin and consistent earnings growth. Recent analyst coverage reflects cautious optimism with 29% buy ratings amid a predominantly hold consensus.
MTB presents a balanced investment case with strong profitability and dividend yield, though near-term risks include declining operating cash flow and elevated debt levels. The stock trades at a reasonable P/E of 13.16, offering value relative to earnings growth potential, but investors should monitor net interest income trends and credit quality amid economic uncertainty.
Trailing returns across standard periods
Latest headlines on both assets
Expensify Inc is a cloud-based expense management software platform that helps the smallest to the largest businesses simplify the way they manage money. More than 10 million people use Expensify's free features, which include corporate cards, expense tracking, next-day reimbursement, invoicing, bill pay, and travel booking in one app.
Read more on EXFY →M&T Bank is one of the largest regional banks in the United States, with branches in New York, Pennsylvania, West Virginia, Virginia, Maryland, Delaware, and New Jersey. The bank was founded to serve manufacturing and trading businesses around the Erie Canal and is primarily focused on commercial real estate and commercial-related lending, with some retail operations also present.
Read more on MTB →