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Upturn AI SWOT - About
MTB 
M&T Bank Corporation (MTB)
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Upturn Advisory Summary
08/28/2025: 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 $215.42
1 Year Target Price $215.42
| 9 | Strong Buy |
| 3 | Buy |
| 8 | Hold |
| 0 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 29.02% | Avg. Invested days 46 | 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 08/28/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 31.38B USD | Price to earnings Ratio 13.02 | 1Y Target Price 215.42 |
Price to earnings Ratio 13.02 | 1Y Target Price 215.42 | ||
Volume (30-day avg) 21 | Beta 0.62 | 52 Weeks Range 149.64 - 221.09 | Updated Date 08/29/2025 |
52 Weeks Range 149.64 - 221.09 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 2.67% | Basic EPS (TTM) 15.42 |
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 13.02 | Forward PE 12.33 | Enterprise Value 27014873088 | Price to Sales(TTM) 3.52 |
Enterprise Value 27014873088 | Price to Sales(TTM) 3.52 | ||
Enterprise Value to Revenue 5.13 | Enterprise Value to EBITDA - | Shares Outstanding 156268992 | Shares Floating 155461379 |
Shares Outstanding 156268992 | Shares Floating 155461379 | ||
Percent Insiders 0.4 | Percent Institutions 88.99 |
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 in Buffalo, New York. It has grown through acquisitions and organic expansion to become a major regional bank in the Northeastern and Mid-Atlantic United States.
Core Business Areas
- Commercial Banking: Offers a wide array of credit products and banking services to small businesses, middle-market and large companies, and commercial real estate firms.
- Retail Banking: Provides a full range of banking services to individuals, including checking and savings accounts, loans, and investment products.
- Wealth Management: Offers trust, investment, and insurance services to high-net-worth individuals and institutions.
- Residential Mortgage Banking: Originates and services residential mortgages, providing financing options for homeowners.
Leadership and Structure
Renu00e9 F. Jones serves as Chairman and CEO. The organizational structure includes various business lines and support functions, overseen by an executive management team and a board of directors.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses of various sizes. Market share data is not readily available, but competitors include large national banks and regional banks (e.g., JPM, BAC, PNC).
- Competitors: JPMorgan Chase (JPM), Bank of America (BAC), PNC Financial Services (PNC)
- Competitors: Citigroup (C), Wells Fargo (WFC), U.S. Bancorp (USB)
- Retail Banking Services (Checking/Savings): Offers checking, savings, and other retail banking products. Competes with national and online banks. Market share data is dispersed across various regions.
- Competitors: Morgan Stanley (MS), Goldman Sachs (GS), Charles Schwab (SCHW)
- Wealth Management Services: Provides investment advice and management. Competes with large brokerage firms and wealth management divisions of other banks. Revenue contribution varies by quarter and is not consistently reported as a standalone product.
Market Dynamics
Industry Overview
The banking industry is currently facing increased regulatory scrutiny, rising interest rates, and technological disruption. Competition is intense among traditional banks, fintech companies, and credit unions.
Positioning
M&T Bank Corporation is a well-established regional bank known for its strong customer relationships and conservative lending practices. Its competitive advantages include its local market expertise and its focus on customer service.
Total Addressable Market (TAM)
The total addressable market for banking services in the US is in the trillions of dollars. M&T is a significant regional player and captures a fraction of the overall TAM through its Commercial, Retail, and Wealth Management services.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Conservative lending practices
- Experienced management team
- Solid capital base
- Efficient operations
Weaknesses
- Geographic concentration in the Northeast and Mid-Atlantic
- Limited international presence
- Dependence on interest rate spreads
- Less technological advancement compared to national players
- Smaller marketing budget compared to larger competitors
Opportunities
- Expansion into new geographic markets
- Increased adoption of digital banking technologies
- Growth in wealth management services
- Strategic acquisitions
- Increased demand for commercial lending
Threats
- Rising interest rates
- Increased regulatory scrutiny
- Competition from fintech companies
- Economic downturn
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- JPM
- BAC
- PNC
- C
- WFC
- USB
Competitive Landscape
M&T Bank Corporation competes with a mix of national and regional banks. Its strengths include customer service and local market expertise. Its weaknesses include its geographic concentration.
Major Acquisitions
People's United Financial
- Year: 2022
- Acquisition Price (USD millions): 7600
- Strategic Rationale: Expanded M&T's presence in New England and enhanced its commercial banking capabilities.
Growth Trajectory and Initiatives
Historical Growth: M&T Bank Corporation has grown steadily through organic expansion and acquisitions. Past performance is not indicative of future results.
Future Projections: Analyst estimates vary, but generally project moderate growth for M&T Bank Corporation in the coming years.
Recent Initiatives: M&T has focused on digital transformation, customer experience enhancements, and strategic acquisitions to drive growth.
Summary
M&T Bank Corporation is a financially sound regional bank with a strong customer base and conservative lending practices. While its geographic concentration poses a limitation, its focus on customer service and strategic acquisitions positions it for continued growth. The bank needs to navigate rising interest rates and increased competition from fintech companies to maintain its competitive edge and should remain mindful of cybersecurity threats.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (SEC)
- Financial news outlets (Bloomberg, Reuters)
- Analyst reports (e.g., from S&P, Moody's, Fitch)
- Company Website
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share data is approximate. Financial data is dynamic and should be verified with official sources before making any investment decisions.
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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