MTB
Financial Services · Banks - Regional
Performance
MTB (MTB) Stock Analysis 2026
Rule-based · Updated daily · Not financial advice
MTB (MTB) operates in the Banks - Regional space within the Financial Services sector. With a market cap of $33.4B, it qualifies as a mid-cap company. Growth is moderate and the business remains profitable, offering a balanced risk/reward profile compared to high-multiple peers.
- Low P/E of 12.8× suggests the stock may be undervalued relative to earnings
- Forward P/E (10.9×) is lower than trailing P/E (12.8×) — analysts expect earnings to improve
- Revenue growth of 6% YoY shows solid business momentum
- Earnings grew 24% YoY — bottom-line is expanding fast
- Exceptional profit margin of 31.5% — the business retains a large share of each dollar earned
- Dividend yield of 2.66% provides consistent income on top of price appreciation
- Low beta of 0.59 — less volatile than the market, suitable for conservative portfolios
No significant bearish signals found
Verdict
Strong Buy
Multiple fundamental strengths with few red flags. Long-term buyers may find this compelling.
AI Insight
Powered by ClaudeAI-generated analysis for informational purposes only. Not financial advice.
Related Articles
Revenue & Results
Dividends
Current DY
2.66%
5Y Avg Annual
$4.8100
Last Payment
$1.5000
Ex-Date
06/01/2026
Annual dividends paid per share
| Ex-Date | Payment | Amount | Est. DY |
|---|---|---|---|
Latest06/01/2026 | 06/30/2026 | $1.5000 | 2.63% |
03/02/2026 | 03/31/2026 | $1.5000 | 2.63% |
12/01/2025 | 12/30/2025 | $1.5000 | 2.63% |
09/02/2025 | 10/01/2025 | $1.5000 | 2.63% |
06/02/2025 | 07/01/2025 | $1.3500 | 2.37% |
03/03/2025 | 04/01/2025 | $1.3500 | 2.37% |
12/02/2024 | 12/31/2024 | $1.3500 | 2.37% |
09/03/2024 | 10/02/2024 | $1.3500 | 2.37% |
Magic Number
Shares needed to self-fund your next purchase
$227.91
Price
$1.5000
Last div. (quarterly)
152
shares
Own 152 MTB shares ($34,642.32) and each quarterly dividend pays for 1 new share — the snowball runs on its own.
Investment target
$34,642.32
New shares / year
+4 shares
If You Had Invested…
Hypothetical return based on historical prices
* Dividend reinvestment calculated at ex-date price. For informational purposes only.
Earnings
Next Earnings
Jul 15, 2026
29
days
EPS (TTM)
$17.80
P/E (TTM)
12.8
Fwd P/E
10.9
Earnings History
SEC EDGAR · official filings
SEC Filings
Official EDGAR documents
Key Statistics
Valuation
Trading
Dividends
Profitability
Balance Sheet
Fair Value Estimates
Current price: $227.91
Graham Number
√(22.5 × EPS × Book Value)
$263.85
Benjamin Graham's intrinsic value formula. Assumes a fair stock trades at no more than 22.5× the product of EPS and book value per share.
Bazin Ceiling Price
Avg. Annual DPS (5Y) ÷ 6%
$85.17
Décio Bazin's dividend-based ceiling. The max price you should pay so that dividends alone deliver at least 6% annual yield on your cost basis.
These are simplified estimates. Not financial advice.
Buy & Hold Checklist
Quality criteria for long-term holding
8/10
100% score
Pays dividends
15Y hist.15+ years of dividend history
Dividend consistency (5Y+)
15 yrsUninterrupted dividend payments for at least 5 years
ROE above 10%
10.3%Return on equity — measures how efficiently capital is used
Positive profit margin
31.5%Net profit margin must be positive — company earns more than it spends
Revenue growth (annual)
+5.7%Annual revenue must be growing compared to the prior year
Earnings growth (annual)
+24.4%Annual earnings must be growing compared to the prior year
Debt/Equity below 2×
Low financial leverage reduces risk of distress
Current ratio above 1
Short-term assets must cover short-term liabilities
Daily liquidity above $5M
$240M/dayHigh trading volume ensures easy entry and exit
Dividend yield above 0%
2.66%Stock must distribute income to shareholders
Related Assets
Financial Services
About MTB
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, direct deposit, and merchant credit card 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, 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.
Sector
Financial Services
Industry
Banks - Regional
Location
Buffalo, United States
Employees
21,866