Skip to content

M&T Bank (MTB)

Financials · regional banking · NYSE

A major regional bank serving the Mid-Atlantic and New England states with a diversified portfolio spanning commercial, retail, and trust banking services.

What M&T Bank does

M&T Bank Corporation is a financial holding company providing commercial and retail banking services, as well as trust and wealth management services. The company operates through an extensive network of branches and automated teller machines, primarily serving customers across the Mid-Atlantic and New England regions. Through its Wilmington Trust subsidiary, it also offers specialized global wealth management and corporate fiduciary services.

Themes: commercial banking, retail banking, wealth management, trust services, mortgage banking

Fundamentals

  • Price$240.34 as of 2026-08-21 close
  • Market cap$34.7B as of 2026-08-21
  • 1-year return+24.9% 2025-08-21 close $192.43 → 2026-08-21 close $240.34
  • P/E12.10 as of 2026-08-24
  • Net margin+30.7% as of 2026-08-24
  • ROE+10.7% as of 2026-08-24
  • Debt / equity0.65 as of 2026-08-24
  • Revenue CAGR (3y)+2.8% SEC XBRL
  • Beta0.63 as of 2026-08-24
  • Last reported earnings2026-07-15 SEC EDGAR Form 8-K (Item 2.02)

Dividend: yield +4.1%; at least 4 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.

Ask why MTB looks like this →

How MTB compares in its sector

  • price-to-earnings ratiomiddle range 525 covered Financials peers, as of 2026-08-24
  • net profit margintop 25% 538 covered Financials peers, as of 2026-08-24
  • operating margintop 25% 534 covered Financials peers, as of 2026-08-24
  • return on equitymiddle range 575 covered Financials peers, as of 2026-08-24
  • 3-year revenue CAGRbottom 25% 347 covered Financials peers
  • indicated dividend yieldmiddle range 453 covered Financials peers, as of 2026-08-24

Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.

Ask how MTB stacks up against peers →

Top 10 scores & list membership

MTB is not currently in any published Top 10 list. Its scores are below.

Long-term score

54.6 #338 of 987 scored · #131 of 191 in Financials

  • Profitability62.6
  • Growth37.2
  • Financial health53.6
  • Valuation74.8
  • Capital return36.1
  • Long-term trend59.0

Valuation 75th (price to book 1.2, price to earnings 12) and profitability 63rd (operating margin 40.6%, return on equity 10.7%); weakest is capital return (36th, consecutive years of dividend increases 4 years).

Short-term score

49.1 #854 of 1,704 scored · #148 of 277 in Financials

  • Trend39.6
  • Momentum42.1
  • Setup50.7
  • Volume and participation64.5
  • Catalysts54.8

Volume and participation 65th: trading volume is about normal versus its 30-day average; catalysts 55th: analysts have raised their average price target by 0.5% since the prior reading; weakest is trend 40th: a strong downtrend, with sellers in control.

Scores as of 21 Aug 2026. Each bar is a percentile: how this company ranked against every company the score ranked, 0–100. A list is a published formula and its output, not a recommendation. Method version 2.

Dividend coverage (FY2025)

Covered by reported results. In FY2025, MTB's dividend was covered by reported results (earnings payout 32%, operating-cash-flow payout 30%). This describes past coverage, not a forecast.

  • Earnings payout32% dividends / net income
  • Operating-cash-flow payout30% dividends / operating cash flow — capital spending was not reported, so this does not subtract it

Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.

Ask whether MTB's dividend is covered →

How M&T Bank looks technically

M&T Bank (MTB) is trading 10.5% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 266 trading days ago — a "golden cross", a bullish long-term signal. A strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 28, with sellers in control. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 40, neither overbought (above 70) nor oversold (below 30). It made a new 20-day low about 2 trading days ago.

Trend

8
Distance from the 200-dayit is trading 10.5% above its 200-day average, the long-term trend line — a longer-term uptrend+10.5%
50-day moving averageits average price over the last 50 trading days — a short-term trend line — is $243.05$243.05
200-day moving averageits average price over the last 200 trading days — the long-term trend line — is $217.46$217.46
Swing structureeach recent peak has been higher than the one before it and each dip has been shallower — the pattern chart-watchers call an uptrend, which describes where price has already been and not where it goes nexthigher highs and higher lows
Last swing turnits last significant turn was a swing high 35 calendar days ago — the swings before that are what the structure reading is measured on35 sessions
Wave structureits recent swings can be read as a five-part upward sequence — what Elliott-wave chartists call an impulse — now in the fourth leg, a pullback against that upward direction; the labelling fails if price closes below 223.73. It is one of several labellings that fit, and it describes the swings already printed, not what comes next. The same swings also read as a completed three-part correction.possible upward five-wave sequence, in wave 4 (one of several readings)
Since the 50/200 crossits 50-day average crossed above its 200-day average about 266 trading days ago — a "golden cross", a bullish long-term signal266 sessions
Trend strength (14-day ADX)a strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 28, with sellers in control27.9

Momentum

3
14-day RSImomentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 40, neither overbought (above 70) nor oversold (below 30)39.9
Position in its 14-day rangeit is trading near the bottom of its 14-day range ($238.15 to $255.95) — its "stochastic" reading is 12 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions.12.3
Since the MACD crossed zeroMACD, a trend-momentum gauge, is in negative territory (momentum leaning bearish)22 sessions

Range

12
52-week highits highest closing price over the past year (about 252 trading days) was $255.95$255.95
From the 52-week highit is 6.1% below its 52-week high (its highest price of the past year)-6.1%
Above the 52-week lowit is 37.5% above its 52-week low (its lowest price of the past year)+37.5%
Below the 52-week highit is 6.1% below its highest point of the past year6.1%
Since a 20-day breakoutit made a new 20-day low about 2 trading days ago2 sessions
Since a 55-day breakoutit made a new 55-day high about 6 trading days ago6 sessions
All-time highits highest closing price on record is $255.95 (set on 2026-08-17)$255.95
Given back of the 52-week moveover the past year its closes ranged ($178.63 to $254.09), and it has given back roughly a quarter of its rise from last year’s low — 18% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $205.04 to $207.46. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast.18.2%
From the all-time highit is 6.1% below its all-time high-6.1%
Nearest price levelit is trading 1.7% below a resistance level at $244.53 — a price it turned at three times since 2026-07-02, most recently on 2026-07-31. Since 2024-08-21 it has 12 such levels below the current price and 2 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go.+1.7%
All-time lowits lowest closing price on record is $29.11 (set on 2009-03-06)$29.11
Above the all-time lowit is 725.6% above its all-time low+725.6%

Volatility

5
Band width vs its own 6 monthsday-to-day price swings are narrower than usual versus its own recent 6-month history (tighter than about 82% of it)18th percentile
Typical daily rangein a typical session it travels about $4.26 between its high and its low — about 1.8% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was$4.26
Bollinger bands (20-day, ±2σ)most of its recent trading has stayed between about $241.08 and $258.05 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles$241.08 – $249.56 – $258.05
Typical daily range (% of price)its price moves about 1.8% in a typical session — among the calmest in the catalog. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price1.8%
Stretch from the 200-day averageit is trading 5.4 daily ranges above its 200-day average price (10.5% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale5.4 daily ranges above its 200-day average

Volume

1
Volume vs its 30-day averagetrading volume is about normal versus its 30-day average0.95×

Analyst

2
Change in the average price targetanalysts have raised their average price target by 0.5% since the prior reading+0.5%
Change in the consensus ratingthe analyst consensus rating is unchanged since the prior readingunchanged

Candlestick patterns

1
Since a dojitoday it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session leveltoday

Price gaps

2
Gap at the openit opened on 2026-08-21 0.8% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close+0.8%
Gap filleda 2.1% gap down opened on 2026-06-01 has been "filled" 53 sessions ago — price traded back through the level the gap left behind, and it took 1 session to close53 sessions ago

Price streaks

1
Closing streakit closed higher in its latest session, after a session that did not close higher — a single up day rather than a run1 session up

Relative strength

4
vs market, 1 monthover the past 1 month this stock lagged the market by 5.7 percentage points (the stock lost 3.3% while the market gained 2.3%)-5.7%
vs market, 3 monthsover the past 3 months this stock beat the market by 10.1 percentage points (the stock gained 13.2% while the market gained 3.1%)+10.1%
vs market, 6 monthsover the past 6 months this stock lagged the market by 7.7 percentage points (the stock gained 3.4% while the market gained 11.1%)-7.7%
vs market, 12 monthsover the past 12 months this stock beat the market by 4.4 percentage points (the stock gained 24.9% while the market gained 20.5%)+4.4%

Signal agreement

2
Bullish technical signals4 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, near the bottom of its 14-day range (oversold), trading above the Ichimoku cloud — these describe past price behaviour, not a forecast4 of 9
Bearish technical signals4 of the 9 technical signals we can compute for it are currently in a bearish state: a strong downtrend, with sellers in control, a fresh 20-day low, MACD momentum is negative, lagging the market over 6 months — these describe past price behaviour, not a forecast4 of 9

Trend (Ichimoku cloud)

1
Vs the Ichimoku cloudtrading 0.4% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-16 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is moderate, spanning 4.5% of the share price.+0.4%

Volume-weighted price

2
Vs this year’s average price paidthe price is 7% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $224.33 — a volume-weighted average of daily closes over 157 sessions, not a true tick-by-tick VWAP.+7.1%
Vs the average paid since it last reportedthe price is 3% below the average price paid since it last reported on 2026-07-15 (its 8-K), so the typical buyer over that stretch is under water. That average is $249.03 — a volume-weighted average of daily closes over 28 sessions, not a true tick-by-tick VWAP.-3.5%

Price levels it has turned at before

MTB last closed at $240.34 on 2026-08-21. Since 2024-08-21 it has turned at 12 prices below its last close and 2 above; the 3 nearest below and the 2 nearest above are listed, nearest first.

LevelSideDistanceEvidence
$244.53Resistance1.7% above the last closeturned there three times · 2026-07-02 to 2026-07-31
$232.43Support3.3% below the last closeturned there three times · 2026-02-23 to 2026-07-08
$254.84Resistance6.0% above the last closeturned there twice · 2026-07-17 to 2026-08-04
$223.43Support7.0% below the last closeturned there four times · 2024-11-25 to 2026-04-21
$218.16Support9.2% below the last closeturned there twice · 2024-11-06 to 2026-05-06

A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.

Wave structure

Its recent swings can be read as a five-part upward sequence — what Elliott-wave chartists call an impulse — now in leg 4 of five, a pullback against that direction.

This labelling fails — stops being a possible reading at all — if it closes below $223.73.

This is one of several labellings that fit the same swings, so treat it as a reading rather than the reading. It was chosen from 2 labellings that survived the rules, counting shorter readings of the same bars.

On past moves of this shape the leg has usually ended somewhere between $228.93 and $242.69 — that is where it has tended to end if the count holds, not a forecast of where the price goes.

Alternate reading: The same swings also read as a completed three-part correction, which fails on a close above $255.00.

This labelling was already in place when we began recording count changes on 2026-08-13, so how long it has stood is not something we can say yet.

Read from daily closes as of 2026-08-21.

An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.

Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.

Ask about MTB's technicals →

Analyst consensus

  • Consensus ratingHold (2.75 mean, 1=Strong Buy…5=Strong Sell) — 18 analysts
  • Mean price target$257.25 range $224.00 – $300.00; median $255.00

Analyst estimates, as of 2026-08-22. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.

Analyst EPS estimate for MTB

  • Consensus EPS estimate$4.92 next reporting period, as of 2026-08-22

Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.

The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.

Ask how MTB's estimates have moved →

Key risks (from latest filing)

["Fluctuations in interest rates and market volatility impacting net interest margin and asset values.","Exposure to credit risk within the loan portfolio, particularly commercial real estate and commercial lending.","Economic conditions affecting the demand for banking products and the creditworthiness of borrowers."]

See MTB's biggest risks from its latest 10-Q →

What changed in the latest 10-Q

AI-assisted comparison of MTB's 10-Q filed 2026-05-05 against the prior one filed 2025-10-27.

Management's Discussion & Analysis (MD&A)

  • Added:
    • Reference to 2025 Annual Report (newer filing, 2026-05-05) vs. 2024 Annual Report (older filing, 2025-10-27)
    • Accounting election effective January 1, 2026 to measure residential mortgage loan servicing right assets at fair value with changes in fair value reflected in mortgage banking revenues (added in newer filing)
    • $263 million increase in capitalized servicing assets and $197 million after-tax increase to retained earnings from the servicing right election, representing 8 basis-point increase to CET1 capital (added in newer filing)
    • Economic hedging of residential mortgage loan servicing right assets using interest rate derivative contracts effective December 31, 2025 (added in newer filing)
    • Share repurchase program authorized March 30, 2026 for $5.0 billion (newer filing only)
    • Redemption of 40,000 shares of Perpetual Fixed Rate Reset Non-Cumulative Preferred Stock, Series G for $400 million on February 1, 2026 (added in newer filing)
    • Reference to global conflicts impacting economic forecasts (added in newer filing)
    • $33 million distribution from M&T's investment in BLG in Q1 2026 (newer filing)
    • $115 million of seasonal salaries and employee benefits expense in Q1 2026 (added in newer filing)
  • Removed:
    • Nine-month period comparison data (older filing compared three months ended September 30, 2025 with nine months ended September 30, 2025 and 2024; newer filing only provides quarterly comparisons)
    • Reference to CIT business sale earnout payment of $28 million (was in older filing for Q3 2025)
    • Reference to $20 million distribution from BLG in Q2 2025 (older filing)
    • Reference to $12 million gain on sale of equipment leases (older filing Q3 2025)
    • Reference to gains on sales of loan portfolio ($15 million) and subsidiary ($10 million) in Q2 2025 (older filing)
    • Reference to renewable energy tax-credit investment impairment (older filing Q3 2025)
    • Supplemental non-GAAP net operating results table showing net operating income, diluted net operating earnings per share, and tangible metrics (older filing included; newer filing excerpt truncated)
  • Reworded:
    • Taxable-equivalent adjustment footnote (a) changed from 'based on a composite income tax rate of approximately 25%' in older filing to 'based on the statutory federal income tax rate' in newer filing
    • Net interest income comparison changed from Q3 2025 vs. Q2 2025 (older) to Q1 2026 vs. Q4 2025 (newer)
    • Effective tax rate disclosure periods changed from Q3 and Q2 2025 plus nine months (older) to Q1 2026, Q4 2025, and Q1 2025 (newer)
    • Share repurchase commentary changed from 2025 activity (2.1 million and 6.1 million shares) to 2026 activity (5.5 million shares at $1.25 billion)
  • Notes:
    • Newer filing excerpt appears truncated at 'core depo' mid-sentence in non-GAAP section
    • Older filing excerpt also appears truncated at 'Taxable-equivalent Net Interest Income' section header
    • Direct line-by-line comparison of performance metrics is limited due to different periods covered (Q1 2026 vs. Q4 2025 and Q1 2025 in newer filing vs. Q3 2025 vs. Q2 2025 and nine-month periods in older filing)

Risk Factors

The two filings could not be meaningfully compared for this section.

AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.

Ask what changed in MTB's latest 10-Q →

Insider activity (SEC Form 4)

0 open-market purchases and 8 open-market sales by insiders in the last 90 days.

  • Last 30 days0 buys · 2 sells ($214554) — 2 selling insiders
  • Last 90 days0 buys · 8 sells ($7M) — 5 selling insiders
  • Last 180 days0 buys · 9 sells ($8M) — 6 selling insiders

Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)

Most recent open-market transaction: 2026-08-05. As of 2026-08-25.

View full insider trading history → View SEC Form 3/4/5 filings

Ask about MTB's insider activity →

Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.

Congressional trading disclosures

U.S. House members publicly disclose their own, their spouse's, and dependent children's stock transactions under the STOCK Act. We hold 3 matched disclosures for MTB from U.S. House Clerk Periodic Transaction Report filings.

Congressional trading disclosures →

Institutional ownership (13F)

5 institutional 13F filers reported holding MTB as of 2026-03-31 (quarter-end position, filed within 45 days).

  • Distinct 13F filers 5
  • Reported shares held 33,525,963
  • Reported value $6,930,487,361

reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 2 increased, 3 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".

Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.

Ask about MTB's institutional holders →

Short interest (FINRA)

MTB had 5,327,937 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).

MTB had 3.69% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 4.36 days to cover at the same settlement.

  • Reported short interest (shares) 5,327,937
  • Short interest (% of shares outstanding) 3.69%
  • Prior settlement (shares) 5,678,647
  • Reported change -6.18%
  • Days to cover (reported) 4.36

Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.

Ask about MTB's short interest →

Competitors & peers

AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.

Not quite? Describe exactly what you want →

Compare MTB vs…

M&T Bank is found in…

Frequently asked questions

What does M&T Bank (MTB) do?

M&T Bank Corporation is a financial holding company providing commercial and retail banking services, as well as trust and wealth management services. The company operates through an extensive network of branches and automated teller machines, primarily serving customers across the Mid-Atlantic and New England regions. Through its Wilmington Trust subsidiary, it also offers specialized global wealth management and corporate fiduciary services.

What sector is M&T Bank (MTB) in?

M&T Bank (MTB) is classified in the Financials sector. Its industry is regional banking. It trades on NYSE.

Does MTB pay a dividend?

Yes — M&T Bank (MTB) pays a dividend, with an indicated yield of about 4.14% and at least 4 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-08-24). Informational only — not financial advice.

Who are M&T Bank's (MTB) competitors?

Notable peers of M&T Bank (MTB) include PNC Financial Services, Fifth Third Bancorp, Citizens Financial Group, KeyCorp and Regions Financial. This peer set is informational only — not financial advice.

Has there been recent Congressional stock trading in MTB?

Yes — we hold 3 matched STOCK Act disclosures for MTB from U.S. House Clerk Periodic Transaction Report filings. These are legally-required disclosures (often filed 30–45 days after the trade), may belong to a U.S. House member, their spouse, or a dependent child, and are not an indicator of company performance or investment advice.

Is M&T Bank (MTB) overbought or oversold right now?

M&T Bank (MTB) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 40, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.

Where does stocks-llm's data on MTB come from?

Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.

Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.

Last updated 2026-08-21.

Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.

Research stocks in your own words.

Informational only — NOT financial advice.

ScreenersBlogPrivacyiOS app