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Upturn AI SWOT - About
MTB 
M&T Bank Corporation (MTB)
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Upturn Advisory Summary
09/17/2025: MTB (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
21 Analysts rated it
Well-followed company, solid analyst reports, reliable data for confident investing.
1 Year Target Price $217.65
1 Year Target Price $217.65
| 9 | Strong Buy |
| 3 | Buy |
| 8 | Hold |
| 0 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 28.56% | Avg. Invested days 48 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/17/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 30.52B USD | Price to earnings Ratio 12.66 | 1Y Target Price 217.65 |
Price to earnings Ratio 12.66 | 1Y Target Price 217.65 | ||
Volume (30-day avg) 21 | Beta 0.66 | 52 Weeks Range 148.51 - 219.42 | Updated Date 09/17/2025 |
52 Weeks Range 148.51 - 219.42 | Updated Date 09/17/2025 | ||
Dividends yield (FY) 2.75% | Basic EPS (TTM) 15.43 |
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 - | When - | Estimate - | Actual - |
Profitability
Profit Margin 30.35% | Operating Margin (TTM) 42.54% |
Management Effectiveness
Return on Assets (TTM) 1.29% | Return on Equity (TTM) 9.49% |
Valuation
Trailing PE 12.66 | Forward PE 10.48 | Enterprise Value 26152267776 | Price to Sales(TTM) 3.43 |
Enterprise Value 26152267776 | Price to Sales(TTM) 3.43 | ||
Enterprise Value to Revenue 5.04 | Enterprise Value to EBITDA - | Shares Outstanding 156268992 | Shares Floating 155481694 |
Shares Outstanding 156268992 | Shares Floating 155481694 | ||
Percent Insiders 0.4 | Percent Institutions 89.03 |
Upturn AI SWOT
M&T Bank Corporation
Company Overview
History and Background
M&T Bank Corporation was founded in 1856 as Manufacturers and Traders Bank in Buffalo, New York. It has grown through acquisitions and organic expansion to become a major regional bank holding company.
Core Business Areas
- Retail Banking: Provides a range of banking services to individuals, including checking and savings accounts, loans, and investment products.
- Commercial Banking: Offers financial solutions to businesses, including loans, lines of credit, treasury management, and international banking services.
- Wealth Management: Provides wealth management and investment advisory services to high-net-worth individuals and institutions.
- Mortgage Banking: Originates and services residential mortgage loans.
Leadership and Structure
The company is led by Renu00e9 F. Jones, Chairman and CEO. It operates with a hierarchical organizational structure, with regional presidents overseeing local banking operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans are a significant revenue driver for M&T Bank. Competitors include other regional and national banks like PNC (PNC), Bank of America (BAC), and JPMorgan Chase (JPM). It is difficult to specify a single market share.
- Residential Mortgages: M&T Bank offers a variety of mortgage products. The market is highly competitive, with major players like Rocket Mortgage, Wells Fargo (WFC), and U.S. Bank (USB). It is difficult to specify a single market share.
- Credit Cards: Consumer credit cards are offered by M&T and are popular in its operational area.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to rising interest rates, inflation, and regulatory changes. Consolidation is also a major trend.
Positioning
M&T Bank is a well-regarded regional bank with a strong presence in the Northeast and Mid-Atlantic regions. Its competitive advantages include a strong customer base, conservative lending practices, and a history of successful acquisitions.
Total Addressable Market (TAM)
The total addressable market for banking services in the US is estimated to be several trillion dollars. M&T Bank, with its regional focus, is well-positioned to capture a share of this market, though its TAM is a fraction of the national total due to its geographic footprint. M&T is aiming to increase its market share through strategic growth and acquisitions.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Conservative lending practices
- Experienced management team
- Solid credit quality
- Strong customer relationships
Weaknesses
- Limited geographic diversification
- Reliance on interest income
- Slower adoption of digital technologies compared to peers
- Higher efficiency ratio than some peers.
Opportunities
- Expanding into new markets through acquisitions
- Increasing digital banking capabilities
- Growing wealth management business
- Capitalizing on the exit of smaller banks.
Threats
- Rising interest rates
- Increased competition from fintech companies
- Regulatory changes
- Economic slowdown
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- PNC
- USB
- KEY
- CMA
Competitive Landscape
M&T competes with national and regional banks. Its strength lies in its customer service and strong regional presence. Weaknesses may include its slower tech adoption compared to larger peers.
Major Acquisitions
People's United Financial
- Year: 2022
- Acquisition Price (USD millions): 7600
- Strategic Rationale: Expanded M&T's presence in the Northeast, especially in New England, and added scale to its operations.
Growth Trajectory and Initiatives
Historical Growth: M&T Bank has grown steadily over the years through acquisitions and organic growth. Review past annual reports for details on historical growth trends.
Future Projections: Analyst estimates for future growth vary. Consult financial websites like Yahoo Finance or Bloomberg for consensus analyst estimates.
Recent Initiatives: Recent initiatives could include technology upgrades, branch expansions, and community development programs. See M&T's recent press releases for detail.
Summary
M&T Bank is a strong regional bank with a history of solid financial performance and strategic acquisitions. It benefits from a loyal customer base and conservative lending practices. However, it faces competition from larger banks and fintech companies and needs to continue to innovate in digital banking.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Reports
- Financial News Outlets
- Yahoo Finance
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market share data is approximate and may vary. Real-time data is required for detailed financial analysis.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About M&T Bank Corporation
Exchange NYSE | Headquaters Buffalo, NY, United States | ||
IPO Launch date 1991-10-04 | Chairman & CEO Mr. Rene F. Jones CPA | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 22590 | Website https://www.mtb.com |
Full time employees 22590 | Website https://www.mtb.com | ||
M&T Bank Corporation operates as a bank holding company for Manufacturers and Traders Trust Company and Wilmington Trust, National Association that provides retail and commercial banking products and services in the United States. The company operates through three segments: Commercial Bank, Retail Bank, and Institutional Services and Wealth Management. It offers a range of credit products and banking services, such as commercial lending and leasing, letters of credits, deposit products, cash management services, commercial real estate loans, and credit facilities secured by various commercial real estate properties to middle-market and large commercial customers. The company also provides customers deposit products, including demand, savings and time accounts, and other services; automobile and recreational finance loans, home equity loans and lines of credit, credit cards, and other loan products, as well as residential mortgage and real estate loans; business loans, cash management, payroll, and direct deposit services to consumers and small businesses through branch network, telephone banking, internet banking, and automated teller machines. In addition, it offers trustee, agency, investment management, security brokerage, and administrative services; personal trust, planning and advisory, fiduciary, asset management, family office, and other services; and investment products, including mutual funds and annuities, and other services for corporations and institutions, investment bankers, corporate tax, finance and legal executives, and other institutional clients. M&T Bank Corporation was founded in 1856 and is headquartered in Buffalo, New York.
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