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Upturn AI SWOT - About
M&T Bank Corporation (MTB-PJ)
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Upturn Advisory Summary
10/15/2025: 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.
Analysis of Past Performance
Type Stock | Historic Profit 7.68% | Avg. Invested days 49 | 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 10/15/2025 |
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 Trust Company. It has grown through organic expansion and acquisitions, becoming a major regional bank in the Northeast and Mid-Atlantic regions. Key milestones include numerous acquisitions of smaller banks throughout its history.
Core Business Areas
- Commercial Banking: Provides a wide range of banking services to businesses, including lending, deposit accounts, cash management, and trade finance.
- Retail Banking: Offers banking services to individual customers, including checking and savings accounts, mortgages, credit cards, and personal loans.
- Wealth Management: Provides wealth management services to high-net-worth individuals and families, including investment management, financial planning, and trust services.
- Mortgage Banking: Originates and services residential mortgages.
Leadership and Structure
The current CEO is Renu00e9 F. Jones. The bank has a traditional hierarchical structure with various business lines reporting to senior management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offers various commercial loan products to businesses. Market share data for specific commercial loan types is difficult to pinpoint precisely. Competitors include JPMorgan Chase, Bank of America, and Wells Fargo. Revenue from this product category is the largest source of revenue for M&T Bank.
- Residential Mortgages: Origination and servicing of residential mortgages. Mortgage market share is fragmented. Competitors include Rocket Mortgage, United Wholesale Mortgage, and other large regional and national banks. Mortgage banking comprised 12% of M&T Bank's total revenue in 2023.
- Deposit Accounts: Checking, savings, and money market accounts for consumers and businesses. Market share varies regionally. Competitors include large national banks and online-only banks. Total deposits in 2023 were ~$168 Billion.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges including rising interest rates, increased competition from fintech companies, and regulatory scrutiny. The industry is also seeing an increase in consolidation.
Positioning
M&T Bank Corporation is a strong regional bank with a reputation for customer service and community involvement. Its competitive advantages include a strong branch network in key markets and a diversified business model.
Total Addressable Market (TAM)
The TAM for banking services in the US is estimated to be trillions of dollars. M&T Bank Corporation is positioned to capture a share of this market through its strong regional presence and diversified product offerings.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the Northeast and Mid-Atlantic
- Diversified business model
- Strong customer relationships
- Conservative lending practices
- History of successful acquisitions
Weaknesses
- Limited geographic reach compared to national banks
- Higher operating expenses than some competitors
- Dependence on interest rate environment
- Exposure to regional economic downturns
Opportunities
- Expansion into new markets
- Increased adoption of digital banking technologies
- Growing demand for wealth management services
- Potential acquisitions of smaller banks
- Increase in interest rates
Threats
- Increased competition from national banks and fintech companies
- Rising interest rates
- Economic downturn
- Cybersecurity threats
- Regulatory changes
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
- USB
Competitive Landscape
M&T Bank Corporation competes with large national banks, regional banks, and fintech companies. Its competitive advantages include a strong regional presence, customer service, and community involvement. Its disadvantages include limited geographic reach and higher operating expenses.
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 Corporation has grown steadily over the past decade through organic expansion and acquisitions.
Future Projections: Analysts project continued growth for M&T Bank Corporation, driven by its strong regional presence and diversified business model. Revenue growth is expected to be in the mid-single digits.
Recent Initiatives: Recent strategic initiatives include investments in digital banking technologies and expansion into new markets.
Summary
M&T Bank is a solid regional bank with a strong presence. They have a good history of growth but face competition from larger national banks and must invest in technology. M&T's acquisitions have been strategic, and it's positioned to capitalize on growth but must watch out for interest rates.
Peer Comparison
Sources and Disclaimers
Data Sources:
- M&T Bank Corporation Investor Relations, SEC filings, MarketWatch, Yahoo Finance, Analyst Reports, Company's annual reports
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Investment decisions should be based on individual research and consultation with a qualified financial advisor. Market share data is approximate and based on available industry reports. Financial data is based on publicly available information and may be subject to change.
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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