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Upturn AI SWOT - About
MTB 
M&T Bank Corporation (MTB)
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Upturn Advisory Summary
10/23/2025: MTB (3-star) is currently NOT-A-BUY. Pass it for now.
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 $218.72
1 Year Target Price $218.72
| 9 | Strong Buy |
| 3 | Buy |
| 8 | Hold |
| 0 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 22.99% | Avg. Invested days 50 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/23/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 28.46B USD | Price to earnings Ratio 11.23 | 1Y Target Price 218.72 |
Price to earnings Ratio 11.23 | 1Y Target Price 218.72 | ||
Volume (30-day avg) 21 | Beta 0.61 | 52 Weeks Range 148.51 - 219.42 | Updated Date 10/23/2025 |
52 Weeks Range 148.51 - 219.42 | Updated Date 10/23/2025 | ||
Dividends yield (FY) 3.05% | Basic EPS (TTM) 16.21 |
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 2025-10-16 | When Before Market | Estimate 4.39 | Actual 4.8113 |
Profitability
Profit Margin 30.54% | Operating Margin (TTM) 43.89% |
Management Effectiveness
Return on Assets (TTM) 1.31% | Return on Equity (TTM) 9.63% |
Valuation
Trailing PE 11.23 | Forward PE 10.53 | Enterprise Value 26898087936 | Price to Sales(TTM) 3.13 |
Enterprise Value 26898087936 | Price to Sales(TTM) 3.13 | ||
Enterprise Value to Revenue 5.04 | Enterprise Value to EBITDA - | Shares Outstanding 156269291 | Shares Floating 154680379 |
Shares Outstanding 156269291 | Shares Floating 154680379 | ||
Percent Insiders 0.41 | Percent Institutions 90.18 |
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. Initially serving the Buffalo, New York area, it has grown through strategic acquisitions and organic expansion to become a major regional bank in the Northeast and Mid-Atlantic regions.
Core Business Areas
- Commercial Banking: Provides a wide range of lending, deposit, and cash management services to businesses of all sizes.
- Retail Banking: Offers banking products and services to individual customers, including checking and savings accounts, mortgages, and credit cards.
- Wealth Management: Provides investment management, trust, and estate planning services to high-net-worth individuals and families.
- Mortgage Banking: Originates and services residential mortgages.
Leadership and Structure
Renu00e9 F. Jones serves as Chairman and CEO. The organizational structure includes various executive vice presidents overseeing different business lines and support functions. A board of directors provides corporate governance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses. M&T focuses on relationship banking, often catering to middle-market companies. Competitors include PNC, KeyCorp, and larger national banks.
- Mortgages: Offers a variety of mortgage products. Market share data is regional and varies. Competitors include national lenders like Rocket Mortgage and local banks.
- Deposit Accounts: Provides checking, savings, and money market accounts to individuals and businesses. Competitors include Bank of America, Chase, and regional banks.
Market Dynamics
Industry Overview
The banking industry is currently navigating a complex environment of rising interest rates, increased regulatory scrutiny, and evolving customer preferences for digital banking solutions.
Positioning
M&T Bank is a strong regional player known for its community banking approach and focus on relationship management. Its competitive advantage lies in its strong local presence and customer service.
Total Addressable Market (TAM)
The US banking market is vast, estimated in the trillions of dollars. M&T Bank Corporation holds a small single digit percentage of this TAM, indicating considerable room for expansion.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Relationship-focused banking model
- Solid credit quality
- Experienced management team
- Strong capital base
Weaknesses
- Limited geographic diversification
- Reliance on traditional banking model
- Exposure to interest rate risk
- Smaller market capitalization than national peers
Opportunities
- Expansion into new markets
- Increased adoption of digital banking technologies
- Growth in wealth management services
- Strategic acquisitions
Threats
- Increased competition from fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- PNC
- KEY
- USB
- BOH
Competitive Landscape
M&T Bank competes with a mix of national and regional banks. Its strengths are its strong regional presence and customer service, while its weaknesses are its limited geographic diversification and smaller market capitalization.
Major Acquisitions
People's United Financial
- Year: 2022
- Acquisition Price (USD millions): 7600
- Strategic Rationale: Expanded M&T's presence in New England and strengthened its commercial banking capabilities.
Growth Trajectory and Initiatives
Historical Growth: M&T Bank has experienced steady growth over the past decade, driven by organic expansion and strategic acquisitions.
Future Projections: Analyst estimates vary, but generally project continued moderate growth for M&T Bank, driven by its strong regional presence and focus on relationship banking.
Recent Initiatives: Recent initiatives include investments in digital banking platforms and expansion of wealth management services.
Summary
M&T Bank is a solid regional bank with a strong relationship-banking model. Its strengths lie in its customer service and credit quality. Key areas for improvement include expanding geographically and enhancing its digital capabilities while also adapting to the rapidly evolving economic market.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
- Market data providers
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Market share figures are estimates and may vary.
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 22383 | Website https://www.mtb.com |
Full time employees 22383 | 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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