MTB
NEUTRAL
$215.54
Live
M&T Bank Corporation · NYSE
Target $233.76
(+8.5%)
$167.35
52W Range
$239.0
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 30, 2026
Market cap
$32.01B
P/E
12.11
ROE
10.3%
Profit margin
31.5%
Debt/Equity
N/A
Dividend yield
2.78%
AI Analysis
AI-powered fundamental assessment
Confidence
85%
MTB presents a stark contrast between deep value and deteriorating fundamental health, highlighted by a weak Piotroski F-Score of 2/9. While the stock trades significantly below its Graham Number ($263.85) and Intrinsic Value ($525.1), the low health score and bearish insider sentiment suggest underlying operational risks. Strong YoY earnings growth of 24.4% and a sustainable dividend payout provide a floor, but the technical trend and insider selling indicate a lack of immediate conviction. The overall outlook is neutral as the valuation discount is offset by fundamental health concerns.
Key Strengths
Significant undervaluation relative to Graham Number ($263.85) and Intrinsic Value ($525.1)
Strong YoY earnings growth of 24.4%
Sustainable dividend profile with a low payout ratio of 32.85%
Consistent earnings track record with 3 of the last 4 quarters beating estimates
Attractive P/E ratio (12.11) compared to the broader financial services sector average
Key Risks
Critical fundamental weakness indicated by a Piotroski F-Score of 2/9
Bearish insider activity with 5 sell transactions and 0 buys in the last 6 months
Bearish technical trend (0/100 score)
High sensitivity to interest rate volatility and liquidity risks as noted in 10-K
Modest revenue growth (5.7% YoY) compared to aggressive earnings growth
AI Fair Value Estimate
Based on comprehensive analysis
$245.0
+13.7% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
64
Strong
90
65
75
20
70
AI Verdict
Value Trap Risk
Key drivers: Deep valuation discount, Poor Piotroski health score, Bearish insider sentiment, Strong earnings growth
Confidence
80%
Value
90/100
Ref P/E, PEG, Graham Number
Positives
- Price is well below Graham Number
- Low Forward P/E of 10.32
- P/B ratio of 1.24 is reasonable for a regional bank
Watchpoints
- Market is pricing in fundamental risks not captured by simple multiples
Future
65/100
Ref Growth rates
Positives
- Strong YoY earnings growth (24.4%)
- Positive analyst target price ($233.76)
Watchpoints
- Slow revenue growth (5.7%)
- Bearish technical trend
Past
75/100
Ref Historical trends
Positives
- Consistent earnings beats over 25 quarters
- Strong 3Y and 5Y price appreciation
Watchpoints
- Recent Q/Q EPS growth decline (-11.6%)
Health
20/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Stable capital adequacy mentioned in 10-K
Watchpoints
- Piotroski F-Score of 2/9 indicates severe fundamental weakness
Dividend
70/100
Ref Yield, Payout
Positives
- Low payout ratio (32.85%) suggests high safety
- Consistent annual dividend rate of $6.00
Watchpoints
- Yield (2.78%) is modest for the regional banking sector
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$215.54
Analyst Target
$233.76
Upside/Downside
+8.5%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for MTB and closest competitors.
Updated 2026-04-29
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
MTB
M&T Bank Corporation
Primary
|
+60.2% | +95.8% | +30.7% | +20.6% | +7.2% | -0.9% |
|
CBOE
Cboe Global Markets, Inc.
Peer
|
+208.2% | +125.2% | +43.6% | +27.6% | +9.7% | +1.3% |
|
HBAN
Huntington Bancshares Incorporated
Peer
|
+24.2% | +64.2% | +32.0% | +7.0% | +5.8% | +3.7% |
|
PRU
Prudential Financial, Inc.
Peer
|
+21.8% | +29.5% | -1.5% | -1.9% | +2.6% | +0.5% |
|
NTRS
Northern Trust Corporation
Peer
|
+73.2% | +105.1% | +87.8% | +24.8% | +17.1% | +3.2% |
MTB
M&T Bank Corporation
Primary
5Y
+60.2%
3Y
+95.8%
1Y
+30.7%
6M
+20.6%
1M
+7.2%
1W
-0.9%
CBO
Cboe Global Markets, Inc.
Peer
5Y
+208.2%
3Y
+125.2%
1Y
+43.6%
6M
+27.6%
1M
+9.7%
1W
+1.3%
HBA
Huntington Bancshares Incorporated
Peer
5Y
+24.2%
3Y
+64.2%
1Y
+32.0%
6M
+7.0%
1M
+5.8%
1W
+3.7%
PRU
Prudential Financial, Inc.
Peer
5Y
+21.8%
3Y
+29.5%
1Y
-1.5%
6M
-1.9%
1M
+2.6%
1W
+0.5%
NTR
Northern Trust Corporation
Peer
5Y
+73.2%
3Y
+105.1%
1Y
+87.8%
6M
+24.8%
1M
+17.1%
1W
+3.2%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
12.11
Forward P/E
10.32
PEG Ratio
1.37
P/B Ratio
1.24
P/S Ratio
3.44
EV/Revenue
3.94
EV/EBITDA
N/A
Market Cap
$32.01B
Profitability
Profit margins and return metrics
Profit Margin
31.48%
Operating Margin
38.9%
Gross Margin
N/A
ROE
10.29%
ROA
1.38%
Growth
Revenue and earnings growth rates
Revenue Growth
+5.7%
Earnings Growth
+24.4%
Q/Q Revenue Growth
+3.18%
Q/Q Earnings Growth
+13.7%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$111.9
Quarterly Earnings History
EPS performance vs analyst estimates
2026-07-15
$N/A
2026-04-15
$4.13
+2.6% surprise
2026-01-16
$4.67
+4.5% surprise
2025-10-16
$4.82
+9.8% surprise
Financial Services Sector Comparison
Comparing MTB against 915 companies in the Financial Services sector
(148 bullish, 394 neutral, 373 bearish)
P/E Ratio
12.11
This Stock
vs
34.57
Sector Avg
-65.0%
(Discount)
Return on Equity (ROE)
10.29%
This Stock
vs
0.12%
Sector Avg
+8453.3%
(Excellent)
Profit Margin
31.48%
This Stock
vs
92.09%
Sector Avg
-65.8%
(Weaker)
Revenue Growth
5.7%
This Stock
vs
33.99%
Sector Avg
-83.2%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
MTB
M&T Bank Corporation
|
NEUTRAL | $32.01B | 12.11 | 10.3% | 31.5% | $215.54 | |
|
CBOE
Cboe Global Markets, Inc.
|
NEUTRAL | $31.82B | 29.16 | 23.4% | 23.3% | $303.81 | Compare |
|
HBAN
Huntington Bancshares Incorporated
|
NEUTRAL | $33.37B | 11.78 | 10.1% | 28.7% | $16.38 | Compare |
|
PRU
Prudential Financial, Inc.
|
NEUTRAL | $33.72B | 9.7 | 11.4% | 5.8% | $96.91 | Compare |
|
NTRS
Northern Trust Corporation
|
NEUTRAL | $30.07B | 18.19 | 13.5% | 21.5% | $158.99 | Compare |
MTB
M&T Bank Corporation
NEUTRAL
Mkt Cap
$32.0B
P/E
12.1
ROE
10.3%
Price
$215.54
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-02-26 | WISLER MICHAEL A | Officer | Sale | 8,236 | $1,840,810 |
| 2026-02-26 | WISLER MICHAEL A | Officer | Option Exercise | 4,751 | $702,438 |
| 2026-02-13 | O HARA LAURA PROSKE | Officer | Stock Award | 1,889 | - |
| 2026-02-13 | WOODROW TRACY S | Officer | Stock Award | 2,295 | - |
| 2026-02-13 | D'ARCY PETER | Officer | Stock Award | 3,105 | - |
| 2026-02-13 | TAYLOR JOHN R | Officer | Stock Award | 233 | - |
| 2026-02-13 | WISLER MICHAEL A | Officer | Stock Award | 2,497 | - |
| 2026-02-13 | KAY CHRISTOPHER E | Officer | Stock Award | 3,983 | - |
| 2026-02-13 | URBAN JULIANNE | Officer | Stock Award | 945 | - |
| 2026-02-13 | PEARSON KEVIN J | Officer | Stock Award | 6,750 | - |
| 2026-02-13 | JONES RENE F. | Chief Executive Officer | Stock Award | 16,199 | - |
| 2026-02-11 | WOODROW TRACY S | Officer | Sale | 1,053 | $246,623 |
| 2026-02-11 | WOODROW TRACY S | Officer | Option Exercise | 1,053 | $145,419 |
| 2026-02-09 | BARNES JOHN P | Director | Sale | 21,193 | $4,998,369 |
| 2026-02-03 | WALTERS KIRK W | Director | Sale | 909 | $206,676 |
WISLER MICHAEL A
Officer
2026-02-26
8,236 shares
·
$1,840,810
WISLER MICHAEL A
Officer
2026-02-26
4,751 shares
·
$702,438
O HARA LAURA PROSKE
Officer
2026-02-13
1,889 shares
WOODROW TRACY S
Officer
2026-02-13
2,295 shares
D'ARCY PETER
Officer
2026-02-13
3,105 shares
TAYLOR JOHN R
Officer
2026-02-13
233 shares
WISLER MICHAEL A
Officer
2026-02-13
2,497 shares
KAY CHRISTOPHER E
Officer
2026-02-13
3,983 shares
URBAN JULIANNE
Officer
2026-02-13
945 shares
PEARSON KEVIN J
Officer
2026-02-13
6,750 shares
JONES RENE F.
Chief Executive Officer
2026-02-13
16,199 shares
WOODROW TRACY S
Officer
2026-02-11
1,053 shares
·
$246,623
WOODROW TRACY S
Officer
2026-02-11
1,053 shares
·
$145,419
BARNES JOHN P
Director
2026-02-09
21,193 shares
·
$4,998,369
WALTERS KIRK W
Director
2026-02-03
909 shares
·
$206,676
Insider transactions can signal confidence or concerns about company prospects
SEC Filings
Recent regulatory filings from the SEC EDGAR database
8-K
8-K
8-K
8-K
DEF 14A
10-K
MTB's 10-K filing details its financial condition with a focus on net interest income, credit loss provisions, and capital adequacy. Key risk disclosures center on liquidity, market volatility, and interest rate sensitivity. The report further analyzes the loan portfolio's maturity and the allocation of allowances for credit losses.
8-K
8-K
Data sourced from SEC EDGAR. AI summaries generated automatically.
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
HOLD
19 analysts
Cantor Fitzgerald
2026-04-17
Overweight
Overweight
DA Davidson
2026-04-16
Neutral
Neutral
RBC Capital
2026-04-16
Outperform
Outperform
JP Morgan
2026-04-07
Neutral
Neutral
Morgan Stanley
2026-03-31
Equal-Weight
Equal-Weight
Cantor Fitzgerald
2026-03-03
Overweight
Overweight
Morgan Stanley
2026-03-02
Equal-Weight
Equal-Weight
JP Morgan
2026-02-09
Neutral
Neutral
RBC Capital
2026-01-20
Outperform
Outperform
Jefferies
2026-01-16
Buy
Buy
Past News Coverage
Recent headlines mentioning MTB from our newsroom.
Newest → oldest
No matching news yet.