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Upturn AI SWOT - About
M&T Bank Corporation (MTB-PJ)
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Upturn Advisory Summary
08/14/2025: MTB-PJ (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
0 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
Analysis of Past Performance
Type Stock | Historic Profit 5.65% | Avg. Invested days 38 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size ETF | Market Capitalization 0 USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 0.61 | 52 Weeks Range 23.79 - 27.49 | Updated Date 06/29/2025 |
52 Weeks Range 23.79 - 27.49 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 7.14% | Basic EPS (TTM) - |
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 - | Forward PE - | Enterprise Value -3768848640 | Price to Sales(TTM) - |
Enterprise Value -3768848640 | Price to Sales(TTM) - | ||
Enterprise Value to Revenue - | Enterprise Value to EBITDA - | Shares Outstanding - | Shares Floating 159682963 |
Shares Outstanding - | Shares Floating 159682963 | ||
Percent Insiders - | Percent Institutions - |
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 organic expansion and strategic acquisitions to become a major regional bank.
Core Business Areas
- Commercial Banking: Provides a wide range of financial services to businesses, including loans, deposit accounts, and cash management services.
- Retail Banking: Offers banking services to individuals, including checking and savings accounts, mortgages, and personal loans.
- Wealth Management: Provides investment management, trust, and estate planning services to high-net-worth individuals and families.
Leadership and Structure
The current CEO is Renu00e9 F. Jones. M&T Bank operates under a traditional corporate structure with a board of directors and various executive management teams overseeing different business segments.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offers a variety of commercial loans to businesses of all sizes. Competitors include JPMorgan Chase (JPM), Bank of America (BAC), and Wells Fargo (WFC). Specific market share data isn't readily available, but M&T is a leading player in its regional markets.
- Mortgages: Provides residential mortgage loans. Competitors include Rocket Companies (RKT), United Wholesale Mortgage (UWMC), and numerous regional banks. Market share data is variable depending on the region, M&T generally focuses on its regional footprint.
- Deposit Accounts: Offers checking, savings, and money market accounts. Competitors include national and regional banks. Deposit market share is concentrated in the Northeast region where it operates.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased competition from fintech companies, and regulatory changes.
Positioning
M&T Bank is positioned as a strong regional bank with a focus on customer service and relationship banking. Its competitive advantage lies in its local market expertise and strong reputation.
Total Addressable Market (TAM)
The US banking market is vast, with total assets in the trillions. M&T captures a relatively small portion but dominates in some regions. TAM depends on the region, M&T is positioned to target regional market share
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Excellent customer service
- Conservative lending practices
- Experienced management team
Weaknesses
- Limited geographic diversification
- Lower technological investment compared to larger banks
- Reliance on traditional banking model
Opportunities
- Expansion into new markets
- Increased adoption of digital banking services
- Acquisition of smaller banks
- Growing wealth management segment
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- JPM
- BAC
- PNC
- USB
- KEY
Competitive Landscape
M&T Bank's advantages include its strong regional presence, excellent customer service, and conservative lending practices. Disadvantages include its limited geographic diversification and lower technological investment compared to larger banks.
Major Acquisitions
People's United Financial
- Year: 2022
- Acquisition Price (USD millions): 7600
- Strategic Rationale: Expanded M&T's presence in the Northeast and strengthened its commercial banking business.
Growth Trajectory and Initiatives
Historical Growth: M&T Bank has grown steadily over the past decade through organic growth and strategic acquisitions.
Future Projections: Analysts expect M&T Bank to continue to grow at a moderate pace, driven by its strong regional presence and focus on customer service.
Recent Initiatives: Recent initiatives include investments in digital banking technology and expansion into new markets within its existing footprint.
Summary
M&T Bank is a stable regional bank with a strong reputation for customer service. Its conservative lending practices and experienced management team are working well. It should focus on increasing technological investments to stay competitive and expanding geographically to diversify its revenue streams, but faces increased competition and economic uncertainty.
Peer Comparison
Sources and Disclaimers
Data Sources:
- M&T Bank Corporation Annual Reports
- SEC Filings
- Analyst Reports
- Company Website
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market conditions and company performance can change rapidly.
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 - | 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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