M&T Bank stock
MTBNYSEM&T Bank Corporation, Financial ServicesISIN US55261F1049
70Score 70 out of 100, Strong
Price and trend
51 / 100
Price history
+18% in one yearThe chart shows daily closes over 20 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Below the 200-day line: the price is 2.3% below it.
Since November 2026 the 50-day line has been below the 200-day line; the trend has turned down.
Normal: the price is neither overheated nor sold off (RSI 46).
The price is 13% below its 52-week high. Largest decline in 20 years: 76% (February 2007 to March 2009).
Chart figures for advanced users
- SMA 50$223.57
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$225.35
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)46
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDabove the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$181.06
- The lowest closing price of the last twelve months.
- Resistance$254.09
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- M&T Bank Corporation belongs to the Banks (Regional) industry (United States) and, with a market value of $31.58B, is number 44 of 422 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of $8.77B (down 5% year on year) and earnings of $2.85B (up 10.2%).
- For fiscal 2026, analysts expect on average revenue of $10.08B (up 15%) and adjusted earnings per share of $19.47 (up 13.2%).
Show more
- MEQIRI Score 70 out of 100 (Strong): rank 428 of 976 in Financial Services, median 68.
- The P/E is 10.8 (Banks (Regional) median 12.2, own median of recent years 12.4).
- Our model puts fair value at $262.87, with the price 16% below it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Reliable dividendNo dividend cut for 39 years.Capital allocation 71
- Consistently profitableProfit in all 10 fiscal years from 2016 to 2025.Fundamentals 80
Weaknesses
- DilutionShare count up 22% since 2020.
Its standout strengths are stability and valuation.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
The fundamentals are strong overall.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk medium
How well MEQIRI warnsIn the middle among stocks ranked 101 to 1,000.
From 2016 to 2025, 13 in 100 such stocks fell 30% or more within a year, against a group average of 15 in 100.
What lowers it
- calm price action
- solid fundamentals
Valuation
Valuation signal
Modestly undervaluedIn our model the price counts as cheap below $219.06 and expensive above $328.59 (uncertainty low, based on the price swings of the past year).
The two parts of the fair value come to $275.29 (excess return model) and $250.46 (industry comparison), and the gap between them shows how uncertain the estimate is. The price is below both.
Calculated with a cost of equity of 8.8%. At 9.8% the fair value would be $239.93, at 7.8% it would be $297.28.
Valuation metrics
Half from the excess return model, half from earnings times the industry P/E (12.2).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue rose 4.2% on the twelve months before. Revenue has grown solidly since 2006, at about 6% per year.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 42%, net 33%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 19 Jan 2027in 68 days
- Last reported
- 16 Oct 2026EPS reported $5.08 (expected $4.93)above expectations
Analyst estimates
Earnings estimates have barely changed since 15 Oct 2026.
- Earnings per share
- $19.47+0.9%
- Revenue
- $10.08B+0.1%
- Earnings per share
- $21.04+0.2%
- Revenue
- $10.44B+0.2%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook raised
Share price after the results: +5.0%Loan growth guidance raised (average loans $141 billion to $143 billion), net interest income still in the lower half of $7.2 billion to $7.35 billion, net charge-offs 37 basis points.
“We expect continued loan and deposit growth in the second half of the year with full average loans of $141 billion-$143 billion.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 15 Jul 2026 (fiscal Q2 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
No open-market purchases in the last 6 months. 7 insiders sold, $12.42M in total.
Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.
- Pearson Kevin JSale
16 Oct 2026, Vice Chairman
- Shares
- 2,000
- Price
- $220.75
- Value
- $441,500
- Jones Rene FSale
14 Sept 2026, Chairman of the Board and CEO
- Shares
- 19,396
- Price
- $239.35
- Value
- $4.64M
- Seseri RudinaSale
21 Aug 2026, Board
- Shares
- 623
- Price
- $241.05
- Value
- $150,171
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- Taylor John R.Sale
17 Aug 2026, EVP and Controller
- Shares
- 1,217
- Price
- $253.84
- Value
- $308,923
- Walters Kirk WSale
5 Aug 2026, Board
- Shares
- 9.37
- Price
- $253.77
- Value
- $2,377
- Ledgett Richard H. Jr.Sale
3 Aug 2026, Board
- Shares
- 855
- Price
- $248.16
- Value
- $212,178
- Pearson Kevin JSale
15 Jul 2026, Vice Chairman
- Shares
- 2,000
- Price
- $242.00
- Value
- $484,000
- Woodrow Tracy S.Sale
1 Jul 2026, Sr. Executive Vice President
- Shares
- 881
- Price
- $242.00
- Value
- $213,202
- Taylor John R.Sale
15 Jun 2026, EVP and Controller
- Shares
- 1,098
- Price
- $233.23
- Value
- $256,087
- Pearson Kevin JSale
9 Jun 2026, Vice Chairman
- Shares
- 23,358
- Price
- $225.50
- Value
- $5.27M
- Pearson Kevin JSale
4 Jun 2026, Vice Chairman
- Shares
- 2,000
- Price
- $220.00
- Value
- $440,000
Partial trades from one filing are shown in one row, with the average price.
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at M&T Bank
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
976 rated companies in Financial Services
- This company
- 70
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Banks (Regional)
The next larger and next smaller companies by market value
- Bank of Ningbo002142.SZ $33.63B69
- Resona Holdings8308.T $32.39B66
- Huntington BancsharesHBAN $32B63
- NatWest GroupNWG $31.95B70
- BPER BancaBPE.MI $31.13B74
- TS Financial Holding2887.TW $30.92B69
- Shinhan Financial GroupSHG $29.29B59
- Sumitomo Mitsui Trust Holdings8309.T $29.24B72
ETFs that hold M&T Bank
Held by 118 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| iShares S&P U.S. Banks UCITS ETFIUS2 | 3.90% | 0.35% | €1B |
| State Street SPDR S&P 500 Low Volatility UCITS ETF (Acc)SPY1 | 0.77% | 0.35% | €106.3M |
| Fidelity US Quality Income UCITS ETF INC-USDFUSD | 0.63% | 0.25% | €1.89B |
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| WisdomTree US Equity Income UCITS ETF EUR Hedged AccWTDY | 0.63% | 0.35% | €204.34M |
| WisdomTree US High Dividend UCITS ETF AccWTD9 | 0.62% | 0.29% | €182.46M |
| Invesco Global Buyback Achievers UCITS ETFBBCK | 0.52% | 0.39% | €188.08M |
| UBS Factor MSCI USA Prime Value Screened UCITS ETF hEUR accUBUW | 0.50% | 0.28% | €127.84M |
| State Street SPDR MSCI USA Value UCITS ETF USD AccZPRU | 0.48% | 0.20% | €294.97M |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 11 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Strong, published since 7 Nov 2026 (in the score history since 18 Oct 2026)
- Valuation signal Fairly valued since 9 Nov 2026, previously Undervalued
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.