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Upturn AI Summary - About
M&T Bank Corporation(MTB)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for MTB
10/30/2026: MTB (2-star) is currently NOT-A-BUY. Pass it for now.
M&T Bank Corporation is a stable regional bank headquartered in Buffalo, New York, serving customers across the Mid-Atlantic and Northeast U.S. The company has a leading position in relationship banking and is known for its disciplined credit culture and the diversified revenue generated by its Wilmington Trust wealth management division. Its primary investment story centers on consistent, moderate growth and reliable capital returns, supported by a strong core deposit base. However, investors should monitor risks regarding commercial real estate concentration, regulatory compliance, and regional economic performance. M&T Bank may suit dividend-focused and value-oriented investors seeking long-term stability within the financial sector.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | M&T Bank typically exhibits steady, moderate growth characteristic of established regional banks rather than rapid expansion. |
| Momentum investor | Mixed fit | The stock tends to trade based on interest rate cycles and sector-wide sentiment, requiring positive upturn signals for momentum interest. |
| Value investor | Strong fit | The company is often viewed as a reliable value play due to its long history of disciplined credit management and stable earnings. |
| Dividend investor | Strong fit | M&T Bank has a strong reputation for maintaining and paying consistent dividends to shareholders. |
| Low-risk investor | Strong fit while signal remains positive | The bank's conservative risk management profile makes it suitable for investors seeking stability within the financial sector. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | As a bank stock, it is subject to broader market swings and interest rate sensitivity. |
| Valuation risk | Medium | Valuation fluctuates based on the bank's ability to maintain margins in changing economic environments. |
| Competition risk (regional banking competition) | Medium / high | Increased pressure from other regional and national banks to gain deposit share and loan volume. |
| Business quality | Strong | M&T Bank is recognized for a high-quality, long-tenured management team and disciplined credit culture. |
| Dividend income | Strong | The consistent dividend payout history provides a reliable income stream for investors. |
| Execution risk | Medium | The successful integration of large acquisitions remains a key focus for long-term operational performance. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 39.72% | Avg. Invested days 48 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/30/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 31.72B USD | Price to earnings Ratio 11.53 | 1Y Target Price 245.93 |
Price to earnings Ratio 11.53 | 1Y Target Price 245.93 | ||
Volume (30-day avg) 966.0K shares | Beta 0.61 | 52 Weeks Range 174.74 - 254.31 | Updated Date 11/01/2026 |
52 Weeks Range 174.74 - 254.31 | Updated Date 11/01/2026 | ||
Dividends yield (FY) 2.68% | Basic EPS (TTM) 19.14 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial and retail loans exceeding interest paid to depositors. | This is the primary way the bank makes money by lending money at higher rates than it pays for savings deposits. |
| Fee-Based Services | Wealth management fees, trust services, service charges on deposit accounts, and mortgage banking. | These represent stable, non-interest income streams that help diversify the bank's revenue. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2026-10-16 | When Before Market | Estimate 4.98 | Actual 5.08 |
Profitability
Profit Margin 31.87% | Operating Margin (TTM) 43.07% |
Management Effectiveness
Return on Assets (TTM) 1.4% | Return on Equity (TTM) 10.6% |
Valuation
Trailing PE 11.53 | Forward PE 10.46 | Enterprise Value 38.62B | Price to Sales(TTM) 3.35 |
Enterprise Value 38.62B | Price to Sales(TTM) 3.35 | ||
Enterprise Value to Revenue 5.51 | Enterprise Value to EBITDA - | Shares Outstanding 143.71M | Shares Floating 143.04M |
Shares Outstanding 143.71M | Shares Floating 143.04M | ||
Percent Insiders 0.32 | Percent Institutions 92.82 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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