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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
10/02/2026: MTB (3-star) is currently NOT-A-BUY. Pass it for now.
M&T Bank Corporation is a major regional financial institution known for its conservative underwriting culture and consistent dividend payments. The bank has successfully utilized a methodical acquisition strategy to build a significant presence across the Eastern United States, particularly through its recent integration of People's United. While the company benefits from a stable deposit base and disciplined risk management, it faces challenges from geographic concentration and the need for ongoing digital transformation to remain competitive. Investors generally view M&T as a stable, value-oriented play, though performance remains sensitive to interest rate fluctuations and regional economic cycles. Monitoring the successful optimization of its expanded footprint remains critical.
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 is a mature regional bank with stable, moderate growth rather than the high-growth profile typical of growth-focused portfolios. |
| Momentum investor | Mixed fit | Momentum appeal is generally limited, acting more as a value-oriented play contingent on broader banking sector sentiment. |
| Value investor | Strong fit | The company's focus on conservative underwriting and long-term value creation aligns well with traditional value investing principles. |
| Dividend investor | Strong fit | M&T is widely recognized for its consistent dividend history and commitment to returning capital to shareholders. |
| Low-risk investor | Strong fit | Its long history of stable operations and conservative financial management makes it suitable for investors seeking lower-volatility banking exposure. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stocks are sensitive to interest rate changes and economic cycles, leading to periodic price fluctuations. |
| Valuation risk | Low | The stock is generally valued based on tangible book value and long-term earnings potential, limiting extreme speculative pricing. |
| Competition risk (traditional banking) | Medium | Intense competition from national peers and local institutions exerts pressure on loan pricing and deposit costs. |
| Business quality | Strong | M&T has an established reputation for strong management and disciplined risk-adjusted returns. |
| Dividend income | Low / none | The risk of dividend cuts is considered low given the bank's historical capital management discipline. |
| Execution risk | Medium | Successful integration of large acquisitions is critical to maintaining long-term financial health and operational efficiency. |
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 34.07% | 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 10/02/2026 |
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 31.50B USD | Price to earnings Ratio 11.52 | 1Y Target Price 255.81 |
Price to earnings Ratio 11.52 | 1Y Target Price 255.81 | ||
Volume (30-day avg) 1.0M shares | Beta 0.56 | 52 Weeks Range 169.89 - 254.31 | Updated Date 10/02/2026 |
52 Weeks Range 169.89 - 254.31 | Updated Date 10/02/2026 | ||
Dividends yield (FY) 2.76% | Basic EPS (TTM) 18.87 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans and securities minus interest paid on deposits and borrowings. | The bank earns the spread between the interest it collects from borrowers and the interest it pays to depositors. |
| Non-Interest Income | Service charges, trust and wealth management fees, and mortgage banking income. | The bank generates steady revenue from recurring fees for banking services and wealth management advice. |
| Geography (Northeast/Mid-Atlantic) | Concentrated retail and commercial operations in states like NY, PA, MD, and CT. | The bank's performance is highly tied to the regional economic health of the Northeast and Mid-Atlantic United States. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Valuation
Trailing PE 11.52 | Forward PE 10.63 | Enterprise Value 34.83B | Price to Sales(TTM) 3.32 |
Enterprise Value 34.83B | Price to Sales(TTM) 3.32 | ||
Enterprise Value to Revenue 5.37 | Enterprise Value to EBITDA - | Shares Outstanding 144.93M | Shares Floating 143.74M |
Shares Outstanding 144.93M | Shares Floating 143.74M | ||
Percent Insiders 0.32 | Percent Institutions 92.45 |
Upturn AI Summary
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.
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.
About M&T Bank Corporation
Exchange NYSE | Headquarters 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 21662 | Website https://www.mtb.com |
Full time employees 21662 | 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, direct deposit, and merchant credit card 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, 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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