M&T Bank (MTB) Stock Price, News & Analysis

Company Overview

M&T Bank Corporation (NYSE: MTB) is a commercial banking holding company headquartered in Buffalo, New York. Founded in 1856 as the Manufacturers’ and Traders’ Trust Company, M&T Bank has grown into one of the leading regional banks in the United States. The company operates through a network of full-service branches and ATMs across the Northeast and Mid-Atlantic regions, offering a broad range of financial products and services to individuals, small businesses, and commercial clients.

The bank’s main business activities include retail banking—such as checking and savings accounts, personal loans, mortgages, and credit cards—and commercial banking services, including commercial real estate financing, Treasury management, and corporate lending. In addition, M&T Bank provides trust and wealth management services, retirement plan administration, and investment advisory solutions through its subsidiary Wilmington Trust, which the company acquired in 2011. Mortgage banking is another core area of focus, with M&T offering both home purchase and refinancing options.

Over the years, M&T Bank has expanded through strategic acquisitions, including Hudson City Bancorp in 2015 and People’s United Financial in 2022, extending its geographic footprint into New Jersey, Pennsylvania, Maryland, Connecticut, Massachusetts, Delaware, Virginia, and Vermont. These acquisitions have enhanced the bank’s product mix, widened its client base, and strengthened its commercial banking and wealth management capabilities.

Under the leadership of Chairman, President, and Chief Executive Officer René F. Jones, M&T Bank emphasizes a customer-focused culture, risk management, and community involvement. The bank maintains strong relationships with local communities through philanthropic initiatives, small-business outreach, and partnerships with non-profit organizations. With a history spanning more than 165 years, M&T Bank continues to pursue growth opportunities while upholding its commitment to client service and operational stability.

Key Stats

• Today's Range: $201.12 to $203.58
• 50-Day Range: $168.72 to $202.58
• 52-Week Range: $145.82 to $225.70
• Volume: 838,320 shs
• Average Volume: 1.19 million shs
• Market Capitalization: $32.52 billion
• P/E Ratio: 13.57
• Dividend Yield: 2.67%
• Price Target: $211.48
• Consensus Rating: Moderate Buy

M&T Bank Stock Analysis - MarketRank™

M&T Bank scored higher than 94% of companies evaluated by MarketBeat, and ranked 90th out of 909 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.3 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

M&T Bank has received a consensus rating of Moderate Buy. The company's average rating score is 2.57, and is based on 13 buy ratings, 7 hold ratings, and 1 sell rating.

Amount of Analyst Coverage

M&T Bank has been the subject of 13 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 12.73%

Earnings Growth

Earnings for M&T Bank are expected to grow by 12.73% in the coming year, from $16.57 to $18.68 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of M&T Bank is 13.57, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.55.

Price to Earnings Ratio vs. Sector

The P/E ratio of M&T Bank is 13.57, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.02.

Price to Earnings Growth Ratio

M&T Bank has a PEG Ratio of 1.46. PEG Ratios above 1 indicate that a company could be overvalued.

Price to Book Value per Share Ratio

M&T Bank has a P/B Ratio of 1.26. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

2.76% of the float of M&T Bank has been sold short.

Short Interest Ratio / Days to Cover

M&T Bank has a short interest ratio ("days to cover") of 3.6, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in M&T Bank has recently increased by 7.32%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

M&T Bank pays a meaningful dividend of 2.67%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

M&T Bank does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of M&T Bank is 36.17%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, M&T Bank will have a dividend payout ratio of 28.91% next year. This indicates that M&T Bank will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: 3.6 / 5
• Environmental Score: -0.42

Percentage of Shares Shorted

2.76% of the float of M&T Bank has been sold short.

Short Interest Ratio / Days to Cover

M&T Bank has a short interest ratio ("days to cover") of 3.6, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in M&T Bank has recently increased by 7.32%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 2.8 / 5
• News Sentiment: 1.07

News Sentiment

M&T Bank has a news sentiment score of 1.07. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.71 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 24 news articles for M&T Bank this week, compared to 18 articles on an average week.

Search Interest

Only 8 people have searched for MTB on MarketBeat in the last 30 days. This is a decrease of -20% compared to the previous 30 days.

MarketBeat Follows

Only 1 people have added M&T Bank to their MarketBeat watchlist in the last 30 days. This is a decrease of -75% compared to the previous 30 days.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, M&T Bank insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $1,229,584.00 in company stock.

Percentage Held by Insiders

Only 0.53% of the stock of M&T Bank is held by insiders.

Percentage Held by Institutions

84.68% of the stock of M&T Bank is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

MTB Stock Analysis - Frequently Asked Questions

How have MTB shares performed this year?

M&T Bank's stock was trading at $188.01 at the beginning of the year. Since then, MTB stock has increased by 7.7% and is now trading at $202.58.

How were M&T Bank's earnings last quarter?

M&T Bank Corporation (NYSE:MTB) announced its quarterly earnings results on Monday, April, 14th. The financial services provider reported $3.38 earnings per share for the quarter, missing the consensus estimate of $3.41 by $0.03. The financial services provider had revenue of $2.31 billion for the quarter, compared to analysts' expectations of $2.35 billion. M&T Bank had a net margin of 19.86% and a trailing twelve-month return on equity of 10.18%.
Read the conference call transcript.

Is M&T Bank buying back stock?

M&T Bank's board authorized a stock repurchase program on Wednesday, January 22nd 2025, which authorizes the company to buy back $4,000,000,000 in shares, according to EventVestor. This means that the company could repurchase up to 12.3% of its shares through open market purchases. Shares buyback programs are often an indication that the company's management believes its shares are undervalued.

Who are M&T Bank's major shareholders?

M&T Bank's top institutional shareholders include Norway Savings Bank. Insiders that own company stock include Rene F Jones, Denis J Salamone, Kevin J Pearson, John P Barnes, Daryl N Bible, Robert E Sadler Jr, Robert J Bojdak, Gary N Geisel, Christopher E Kay, Michele D Trolli, D Scott N Warman, John R Taylor, Tracy S Woodrow, Michael J Todaro, Kirk W Walters, Rudina Seseri, Edna Jennifer Warren and Doris P Meister.
View institutional ownership trends.

How do I buy shares of M&T Bank?

Shares of MTB stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of M&T Bank own?

Based on aggregate information from My MarketBeat watchlists, some other companies that M&T Bank investors own include NVIDIA (NVDA), Humana (HUM), Meta Platforms (META), Verizon Communications (VZ), American Water Works (AWK), Broadcom (AVGO) and Advanced Micro Devices (AMD).

Company Calendar

• Last Earnings: 4/14/2025
• Record date for 6/30 Dividend: 6/02/2025
• Ex-Dividend for 6/30 Dividend: 6/02/2025
• Dividend Payable: 6/30/2025
• Today: 7/05/2025
• Next Earnings (Estimated): 7/16/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: BANKS - MJR REGNL
• Sub-Industry: Regional Banks
• Current Symbol: NYSE:MTB
• CIK: 36270
• Web: www.mtb.com
• Phone: (716) 635-4000
• Fax: 716-842-5021
• Employees: 22,354
• Year Founded: 1856

Price Target and Rating

• Average Stock Price Target: $211.48
• High Stock Price Target: $250.00
• Low Stock Price Target: $175.00
• Potential Upside/Downside: +4.4%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.57
• Research Coverage: 21 Analysts

Profitability

• EPS (Trailing Twelve Months): $14.93
• Trailing P/E Ratio: 13.57
• Forward P/E Ratio: 12.23
• P/E Growth: 1.46
• Net Income: $2.59 billion
• Net Margins: 19.86%
• Pretax Margin: 25.62%
• Return on Equity: 10.18%
• Return on Assets: 1.28%

Debt

• Debt-to-Equity Ratio: 0.39
• Current Ratio: 0.97
• Quick Ratio: 0.97

Sales & Book Value

• Annual Sales: $13.45 billion
• Price / Sales: 2.42
• Cash Flow: $18.92 per share
• Price / Cash Flow: 10.71
• Book Value: $160.52 per share
• Price / Book: 1.26

Miscellaneous

• Outstanding Shares: 160,520,000
• Free Float: 159,665,000
• Market Cap: $32.52 billion
• Optionable: Optionable
• Beta: 0.63