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Upturn AI SWOT - About
MTB 
M&T Bank Corporation (MTB)
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Upturn Advisory Summary
07/02/2025: MTB (3-star) is a STRONG-BUY. BUY since 35 days. Profits (8.07%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
21 Analysts rated it
Well-followed company, solid analyst reports, reliable data for confident investing.
1 Year Target Price $203.78
1 Year Target Price $203.78
| 9 | Strong Buy |
| 3 | Buy |
| 8 | Hold |
| 0 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 40% | Avg. Invested days 50 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 07/02/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 31.70B USD | Price to earnings Ratio 13.23 | 1Y Target Price 203.78 |
Price to earnings Ratio 13.23 | 1Y Target Price 203.78 | ||
Volume (30-day avg) 21 | Beta 0.61 | 52 Weeks Range 141.72 - 221.09 | Updated Date 07/2/2025 |
52 Weeks Range 141.72 - 221.09 | Updated Date 07/2/2025 | ||
Dividends yield (FY) 2.78% | Basic EPS (TTM) 14.93 |
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 30.06% | Operating Margin (TTM) 36.63% |
Management Effectiveness
Return on Assets (TTM) 1.24% | Return on Equity (TTM) 9.41% |
Valuation
Trailing PE 13.23 | Forward PE 12.15 | Enterprise Value 23154507776 | Price to Sales(TTM) 3.61 |
Enterprise Value 23154507776 | Price to Sales(TTM) 3.61 | ||
Enterprise Value to Revenue 4.89 | Enterprise Value to EBITDA - | Shares Outstanding 160516000 | Shares Floating 159682963 |
Shares Outstanding 160516000 | Shares Floating 159682963 | ||
Percent Insiders 0.4 | Percent Institutions 88.71 |
Upturn AI SWOT
M&T Bank Corporation
Company Overview
History and Background
M&T Bank Corporation was founded in 1856 as Manufacturers and Traders Trust Company. It has grown through strategic acquisitions and organic expansion, evolving into a regional bank with a significant presence in the Mid-Atlantic region.
Core Business Areas
- Commercial Banking: Offers a range of financial services to businesses, including lending, deposit accounts, cash management, and trade finance.
- Retail Banking: Provides banking services to individuals, including checking and savings accounts, mortgages, credit cards, and personal loans.
- Wealth Management: Offers investment management, trust services, and financial planning to high-net-worth individuals and families.
- Mortgage Banking: Originates and services residential mortgage loans.
Leadership and Structure
The CEO of M&T Bank Corporation is Renu00e9 F. Jones. The company operates under a traditional corporate structure with various departments and divisions overseen by executive leadership.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including working capital, expansion, and equipment financing. Market share data is not readily available in aggregate, and competitors include JPM, BAC, and WFC.
- Residential Mortgages: Mortgages for home purchases and refinances. Market share is regional and varies. Competitors include Rocket Mortgage and other large national lenders.
- Deposit Accounts: Checking and savings accounts for individuals and businesses. Competitors include all major national and regional banks.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges including rising interest rates, increased regulatory scrutiny, and growing competition from fintech companies.
Positioning
M&T Bank Corporation is a super-regional bank known for its strong customer relationships and conservative lending practices. It focuses on serving its local communities.
Total Addressable Market (TAM)
The TAM for banking services in the U.S. is several trillion dollars. M&T Bank is well-positioned to capture a share of this TAM through its regional focus and customer service.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Conservative lending practices
- Experienced management team
- Regional focus
Weaknesses
- Limited geographic diversification
- Slower technological adoption compared to larger banks
- Reliance on traditional banking services
Opportunities
- Expanding into new geographic markets
- Investing in digital banking technologies
- Acquiring smaller banks or fintech companies
- Increasing wealth management services
Threats
- Rising interest rates
- Increased regulatory scrutiny
- Competition from fintech companies
- Economic downturn
Competitors and Market Share
Key Competitors
- JPM
- BAC
- USB
- PNC
Competitive Landscape
M&T Bank Corporation competes with large national banks and smaller regional players. Its advantage lies in its strong customer relationships and local market knowledge.
Major Acquisitions
People's United Financial
- Year: 2022
- Acquisition Price (USD millions): 7600
- Strategic Rationale: Expanded M&T's footprint in the Northeast.
Growth Trajectory and Initiatives
Historical Growth: M&T Bank Corporation has experienced steady growth over the past decade through acquisitions and organic expansion.
Future Projections: Analysts project moderate revenue growth for M&T Bank Corporation in the coming years, driven by increased lending and fee income.
Recent Initiatives: Recent initiatives include investments in digital banking platforms and expansion into new markets.
Summary
M&T Bank is a strong regional bank with a solid customer base. Its conservative lending practices provide stability, but its limited geographic diversification is a risk. Investments in digital banking are essential for future growth, and it needs to remain competitive against fintech companies.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Reports
- Analyst Estimates
- Market Data Providers
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on individual circumstances and professional advice.
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 22291 | Website https://www.mtb.com |
Full time employees 22291 | 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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