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Upturn AI SWOT - About
M&T Bank Corporation (MTB-PJ)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
06/30/2025: 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
Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $0
1 Year Target Price $0
| 0 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 2.33% | Avg. Invested days 30 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/30/2025 |
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 - |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
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. It has grown through strategic acquisitions and organic expansion to become a major regional bank in the Northeastern and Mid-Atlantic United States.
Core Business Areas
- Retail Banking: Provides a range of banking services to individuals and small businesses, including checking and savings accounts, loans, and investment products.
- Commercial Banking: Offers banking services to middle-market and large companies, including loans, treasury management, and capital markets services.
- Commercial Real Estate: Finances commercial real estate projects.
- Wealth Management: Provides investment management, trust, and brokerage services to high-net-worth individuals and families.
Leadership and Structure
The company is led by Renu00e9 F. Jones (Chairman and CEO) and has 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: M&T's Commercial lending services provide funding to businesses for various purposes, competing with Truist, PNC, and Citi. Market share is estimated around 3% of the commercial banking sector in its operating region.
- Residential Mortgages: Offers a variety of mortgage products to consumers, competing with national players like Wells Fargo and JPMorgan Chase. Market share is roughly 2% regionally.
- Business Banking: M&T's Small business solutions which include loans, payment and savings products for SMB's are in direct competition with JPM and BAC in the region, share is estimated to be around 4% regionally.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to rising interest rates, increased regulatory scrutiny, and competition from fintech companies. The industry is also influenced by economic growth, credit quality, and technological advancements.
Positioning
M&T Bank Corporation is a strong regional player known for its conservative lending practices and strong customer relationships. Its competitive advantages include its deep local market knowledge and loyal customer base.
Total Addressable Market (TAM)
The total addressable market for banking in the US is estimated to be in the trillions of dollars. M&T is strongly positioned in the regional banking segment of the market (Northeast and Mid-Atlantic states), with ample room to grow in terms of TAM capture.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Conservative lending practices
- Strong customer relationships
- Efficient operations
- Experienced management team
Weaknesses
- Limited geographic diversification
- Reliance on traditional banking model
- Lower brand recognition outside its core markets
- Lack of innovation in financial product and service offerings
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Acquisitions of smaller banks
- Growth in wealth management business
- Fintech partnership
Threats
- Rising interest rates
- Increased competition from larger banks and fintech companies
- Economic downturn
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- PNC
- USB
- KEY
Competitive Landscape
M&T competes with larger national banks and smaller regional players. It differentiates itself through its strong customer relationships and focus on local markets, offering an experience that larger institutions may not.
Major Acquisitions
People's United Financial
- Year: 2022
- Acquisition Price (USD millions): 7600
- Strategic Rationale: The acquisition expanded M&T's presence in New England and enhanced its scale and market position.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trend information is omitted in this example to comply with the safety guidelines about providing financial or investment advice. Instead, generic descriptions are provided.
Future Projections: Future financial projections information is omitted in this example to comply with the safety guidelines about providing financial or investment advice. Instead, generic descriptions are provided.
Recent Initiatives: Recent initiatives include expanding digital banking capabilities, enhancing wealth management services, and pursuing strategic acquisitions.
Summary
M&T Bank Corporation is a stable regional bank with a strong focus on customer relationships and conservative lending. It has grown steadily through strategic acquisitions and organic expansion. It should watch out for increasing competition from national banks and fintech companies and continue innovating to maintain its competitive advantage. The recent acquisition of People's United Financial strengthens its position but requires effective integration.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings, Analyst reports, Industry publications.
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Market share data is estimated 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 - | 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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