M&T Bank Corporation (MTB) Stock: Price, Forecast & Analyst Target
M&T Bank Corporation (MTB) — MoonshotScore 78/100 (Strong band), calculated Oct 5, 2026. Price $219.17 (+0.84%), as of the Oct 2, 2026 trading session; market cap $31.8B. Expected results Oct 16, 2026.
Educational signal · not a buy or sell recommendation · How to read this
M&T Bank Corporation · MTB · NYSE · Financial Services · Banks - Regional
Research dated 2026-09-12: M&T Bank is a diversified regional bank whose earnings come from lending, deposit gathering, treasury services, mortgage origination and servicing, and wealth-related businesses. The key question is whether stronger operating profitability can persist while management expects net interest income near the lower end of its stated range.
Price as of Oct 2, 2026
Key Statistics
MoonshotScore v2 · M&T Bank (MTB)
StrongWhy this rating? Method, drivers & history
Bands for the MoonshotScore: Exceptional 80-100 · Strong 65-79 · Fair 45-64 · Weak below 45.
- Business Quality — Is this a genuinely good business?
- Financial Safety — Could this blow up on me?
- Valuation — Am I paying a fair price?
- Growth Durability — Is the growth real and likely to last?
- Momentum — Is the market already moving on this?
High quality and durable growth, at a dirt-cheap price, though the balance sheet is only middling. Business Quality: Elite; Financial Safety: Okay; Valuation: Cheap; Growth Durability: Growing; Momentum: Slipping.
- quarterly revenue $3.36B (Q2 FY2026, quarter ended Jun 2026)
- EPS beat 7 of 8
- Altman Z 0.34 · Piotroski F 6
Helping: business quality, an attractive price, durable growth
What has the MoonshotScore done over time?
| Recorded | Score | Band |
|---|---|---|
| 79 | Strong | |
| 77 | Strong | |
| 78 | Strong | |
| 78 | Strong | |
| 76 | Strong | |
| 76 | Strong |
The score moved from 77 in the stored Oct 4, 2026 snapshot to 78 in the current publication computed Oct 5, 2026 (+1); the largest pillar moves were Growth Durability +8 and Momentum -1. This current publication is not yet represented in the immutable snapshot archive.
Calculation uses the most recent completed US trading session. Live price changes do not update the score immediately.
Computed · Educational signal · not a buy or sell recommendation · How the MoonshotScore is computed →
Price & valuation
| Measure | Value | As of |
|---|---|---|
| Latest provided price | $219.17 | |
| Change on the day | +0.84% | |
| 52-week range | $174.76–$255.95 | |
| Market capitalisation | $31.8B | |
| Price / earnings (trailing) | 11.56 | |
| Shares traded on the day | 916.2K | |
| Beta (volatility vs the S&P 500) | 0.56 | |
| Dividends per share (last 12 months) | $6.00 | |
| Dividend yield (last 12 months) | 2.74% |
Price & events
Triangles mark reported quarters on the line: pointing up is above the recorded estimate, down is below, a diamond means no estimate on file or a dated event that is not a results report. Numbers key to the dated list. Point at or tab to any week for its close.
Events behind the price
- · Earnings results · above the recorded estimate
- · Earnings results · above the recorded estimate
- · Earnings results · above the recorded estimate
- · Earnings call · management outlook
- · Earnings results · above the recorded estimate
Results dates follow the earnings feed; call dates follow the transcript provider. Nearby dates do not establish that an event caused a price move.
Upcoming events
Management outlook
We expect NII in the lower half of $7.2 billion-$7.35 billion range and the full-year NIM in the high 3.60%.
Daryl Bible · Statement from
Statement dates identify the earnings call, not a deadline. Management expectations and provider estimates can change.
Read management statementsCouncil Score · weighted blend of 2 available disciplines
Council score for M&T Bank (MTB): Bullish Lean
74/100 · ACouncil is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
5-Factor Breakdown
Legends Council
6 lenses, 6 current
AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Read on: Oct 5, 2026
Munger's Mindset
Balance Sheet & Valuation · historical
Read on: Sep 9, 2026 · older than the 27 hours refresh window; not a current reading
How to read these bars and different assessments
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
Bars show each model's ordered assessment on its own scale, not a probability or a comparable investment return. The adjacent words give the assessment; more filled segments indicate a stronger model reading.
On Sep 9, 2026, the Munger lens read the price at that time as undervalued against its own estimate of value.
Readings on this page are from Oct 5, 2026, except a card that shows its own read date.
Watch the MTB film — every key number, told as a short cinematic story
~2 min · open the film
What is M&T Bank (MTB), and what does it report?
Short answer · as of
M&T serves consumers, small businesses, commercial companies, property borrowers, and institutional clients.
Research dated 2026-09-12.
M&T serves consumers, small businesses, commercial companies, property borrowers, and institutional clients. Deposits fund lending and investment activities, while treasury management, mortgage sales and servicing, trust, custody, insurance, securities, and investment management broaden the revenue base beyond branch banking.
Reported revenue blends economically different activities. Retail and commercial banking are disclosed segments, but the company also manages securities, residential loans, wholesale funding, and foreign exchange through its discretionary portfolio, so consolidated revenue is not a pure measure of loan growth.
What do the latest results show for M&T Bank (MTB)?
Short answer · as of
The most recent reported quarter, Q2 FY2026, carried revenue of $3.36B.
Research dated 2026-09-12.
The latest quarter reversed the preceding sequential revenue decline. Operating profit, net income, and diluted earnings per share rose, while reported selling, general, and administrative expense fell sharply; the corresponding earnings release also exceeded consensus revenue and earnings estimates.
Management nevertheless placed expected net interest income in the lower portion of its stated range while maintaining a firm margin outlook. That distinction matters: recent profit momentum is visible in the reported results, but the guidance keeps attention on the spread earned from deposits, loans, securities, and funding rather than treating the latest earnings improvement as self-sustaining.
What do the reported financial results show?
Reported revenue, net income and earnings per share from the income statement.
- Latest quarter · revenue
- $3.36B Jun 30, 2026
- Latest quarter · net income
- $818.00M Jun 30, 2026
- Latest quarter · EPS
- $5.2300 (diluted) Jun 30, 2026
| Period end | Revenue | Net income | EPS |
|---|---|---|---|
| Jun 30, 2026 | $3.36B | $818.00M | $5.2300 (diluted) |
| Mar 31, 2026 | $3.23B | $664.00M | $4.2400 (diluted) |
| Dec 31, 2025 | $3.33B | $759.00M | $4.6700 (diluted) |
| Sep 30, 2025 | $2.51B | $792.00M | $4.8200 (diluted) |
Revenue and net income are in USD; EPS is USD per share. Statement EPS is labelled diluted or basic only when its source identifies that basis. Otherwise, its basis is unknown.
Did results meet expectations?
Reported earnings and revenue alongside the estimates recorded by the provider.
- Latest report · revenue
- $2.53B Jul 15, 2026
- Latest report · revenue estimate
- $2.46B Jul 15, 2026
- Latest report · revenue vs estimate
- Above estimate Jul 15, 2026
- Latest report · EPS vs estimate
- Above estimate Jul 15, 2026
| Report date | Revenue · reported | Revenue · estimate | EPS · reported | EPS · estimate |
|---|---|---|---|---|
| Jul 15, 2026 | $2.53B | $2.46B | $5.3500 | $4.6600 |
| Apr 15, 2026 | $2.44B | $2.43B | $4.1800 | $4.0200 |
| Jan 16, 2026 | $2.48B | $2.47B | $4.6700 | $4.4800 |
| Oct 16, 2025 | $2.51B | $2.44B | $4.8700 | $4.4300 |
Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined.
Quarterly income statement — 4 quarters
| Period | Revenue | Net income | EPS |
|---|---|---|---|
| Q2 FY2026 | $3.36B | $818M | $5.23 (diluted) |
| Q1 FY2026 | $3.23B | $664M | $4.24 (diluted) |
| Q4 FY2025 | $3.33B | $759M | $4.67 (diluted) |
| Q3 FY2025 | $2.51B | $792M | $4.82 (diluted) |
What are the financial strengths and risks for M&T Bank (MTB)?
Short answer · as of
The MoonshotScore pillars rate business quality, an attractive price, durable growth as strengths.
Research dated 2026-09-12.
Operating cash flow has remained positive across the recent run and strengthened in the latest period, while reported capital spending was modest relative to that inflow. Profitability ratios also show positive returns on assets and equity, alongside a healthy trailing net margin.
The balance-sheet presentation requires care. Most reported cash and investments sit in long-term investments with an unclassified designation, while cash and short-term investments dropped sharply in the latest period; that total should not be treated as freely available liquidity. Commercial real estate lending adds a concentrated channel through which property stress could affect credit outcomes, and weaker net interest income would pressure the core earnings engine.
What does the cash-flow statement report?
Dated cash-flow statement entries, using the provider’s reported classification.
- Latest quarter · operating cash flow
- $1.27B Jun 30, 2026
- Previous quarter · operating cash flow
- $1.01B Mar 31, 2026
| Period end | Operating cash flow | Capital expenditure (reported) |
|---|---|---|
| Jun 30, 2026 | $1.27B | −$21.00M |
| Mar 31, 2026 | $1.01B | −$96.00M |
| Dec 31, 2025 | $523.00M | −$56.00M |
| Sep 30, 2025 | $1.00B | $51.00M |
Operating cash-flow bars share one scale and show magnitude; negative values mean cash used.
USD. Statement entries keep the provider’s reported sign. These financial-company figures are not used here to estimate cash runway, surplus cash, or business value.
What should you watch next at M&T Bank (MTB)?
Short answer · as of
The next earnings report is expected on Oct 16, 2026.
Research dated 2026-09-12.
Watch whether reported net interest income lands within management’s narrowed expectation and whether margin performance supports it. The upcoming earnings release also provides a direct test of whether the recent improvement in revenue, operating profit, and earnings per share can hold against analyst expectations.
Cash and short-term investments deserve scrutiny after their abrupt decline, particularly because the much larger investment balance carries an unclassified label. Segment trends in retail, commercial banking, and commercial real estate would help distinguish broad franchise improvement from gains concentrated in a narrower part of the bank.
What management is planning
Management expectations, not completed milestones or guarantees. Selected verbatim excerpts; dates follow the transcript provider.
We expect NII in the lower half of $7.2 billion-$7.35 billion range and the full-year NIM in the high 3.60%.
Daryl Bible ·
How does M&T Bank compare with its peers?
Short answer
M&T Bank's score ranks 10th of 13 in the bounded comparison shown, against 12 same-model peers. These are company scores, not expected investment returns. The set lists named competitors first, then companies in the same data-provider industry classification closest in market value; that classification is the provider's, not our judgment of business similarity.
Research dated 2026-09-12.
M&T is broader than a lender defined mainly by local consumer deposits and branch loans. Its comparison set should account for middle-market and large-company lending, dedicated commercial real estate operations, mortgage origination and acquired servicing rights, treasury management, and trust and investment services.
That mix creates several earnings channels but also ties the bank to commercial credit, property finance, deposit pricing, and securities management at the same time. The shares trade above reported book value, while recent analyst opinions span positive, neutral, and negative stances, reflecting no uniform external view of that mix.
| Company | Price | Market value | Score |
|---|---|---|---|
| $78.03 Oct 2, 2026 | $36.9B | 98 5-pillar Oct 5, 2026 | |
| $91.91 Oct 2, 2026 | $21.8B | 98 5-pillar Oct 5, 2026 | |
| $75.21 Oct 2, 2026 | $18.3B | 98 5-pillar Oct 5, 2026 | |
| $3.16 Oct 2, 2026 | $34.4B | 94 5-pillar Oct 5, 2026 | |
| $47.04 Oct 2, 2026 | $6.48B | 92 5-pillar Oct 5, 2026 | |
| $17.68 Oct 2, 2026 | $9.80B | 91 5-pillar Oct 5, 2026 | |
| $57.51 Oct 2, 2026 | $89.6B | 90 5-pillar Oct 5, 2026 | |
| $158.14 Oct 2, 2026 | $10.1B | 89 5-pillar Oct 5, 2026 | |
| $32.03 Oct 2, 2026 | $7.68B | 89 5-pillar Oct 5, 2026 | |
| M&T Bank (MTB) — this page | $219.17 | $31.8B | 78 |
| $50.87 Oct 2, 2026 | $46.1B | 68 5-pillar Oct 5, 2026 | |
| $15.33 Oct 2, 2026 | $31.0B | 67 5-pillar Oct 5, 2026 | |
| $17.67 Oct 2, 2026 | $35.2B | 53 5-pillar Oct 5, 2026 |
Only 5-pillar scores are ranked together. Other models are not directly comparable. Price and score dates are shown separately; market-value dates are unavailable.
The records behind this page
Analyst targets & estimates
What analysts have on file
- Price target, low to high
- $224.00 – $301.00
- Consensus target
- $261.08
- Median target
- $255.00
Consensus record · Captured .
Measured against a quoted price of $219.17 (as of Oct 2, 2026).
Insider activity
Form 4 records via FMP · Of the newest 100 records, those within the last 180 days, newest dated Sep 14, 2026
- Transactions
- 38
- Identified insiders
- 18
- Purchases
- 0
- Sales
- 12
- Other transactions
- 26
Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent.
Who holds the shares?
Institutional ownership reported through 13F filings.
- Institutional ownership
- 84.9% Period end Jun 30, 2026
- Previous quarter · ownership
- 84.9% Prior to period end Jun 30, 2026
- Reporting holders
- 1,186 Period end Jun 30, 2026
- Previous quarter · holders
- 1,139 Prior to period end Jun 30, 2026
| Holders in provider snapshot | Shares |
|---|---|
| Blackrock, INC. | 12,846,003 |
| Fmr LLC | 12,417,262 |
| Wellington Management Group Llp | 9,801,881 |
| Vanguard Capital Management LLC | 9,566,754 |
| State Street Corp | 7,112,644 |
Quarterly filings lag the period end. Holder rows are names in the provider snapshot, not a verified ranking; individual filing dates are not supplied. Related managers may appear separately, so these positions are not summed. Holder snapshot as of Jun 30, 2026.
What has been published about M&T Bank (MTB)?
What Investors Ask About M&T Bank (MTB) — Financial Services
Research dated 2026-09-12; the answers below are from that research, and the full attribution is under Sources. The last 3 questions are answered from this page's own dated data, not from the research.
Why is M&T more than a regional branch bank?
Commercial lending, treasury management, commercial property finance, mortgage sales and servicing, trust, custody, insurance, securities, and investment management sit alongside its consumer deposit and loan franchise. The business therefore depends on corporate activity and fee-generating services as well as household banking demand.
Why can M&T’s cash headline mislead bank investors?
The reported cash-and-investments total is dominated by long-term investments carrying an unclassified designation, while the short-term component fell abruptly. Treating the combined amount as immediately deployable liquidity would overstate what the classification supports.
What does M&T’s residential mortgage operation actually do?
M&T originates home loans for sale into the secondary market and also acquires servicing rights on loans originated elsewhere. Its mortgage exposure therefore includes origination and servicing economics, not merely mortgages retained on the balance sheet.
What does M&T’s net interest outlook imply for earnings?
Management expects net interest income near the lower portion of its stated range while retaining a firm margin expectation. Future results should reveal whether balance-sheet pricing and funding costs can preserve the recent improvement in operating profit.
What is the MTB stock price today?
The last price recorded on this page for M&T Bank Corporation (MTB) is $219.17, as of the Oct 2, 2026 trading session (source: Financial Modeling Prep (FMP) · quote). It is a provider snapshot, not a live exchange feed, so check a brokerage quote before you trade.
What is the MTB price target?
The analyst consensus price target for M&T Bank Corporation (MTB) is $261.08 (range $224.00 to $301.00, median $255.00), per FMP data captured Oct 5, 2026. Targets are analyst opinions and change often; they are not a Stock Expert AI forecast.
Does MTB pay a dividend?
Yes. M&T Bank Corporation (MTB) shows a trailing 12-month dividend yield of 2.74%, as of Oct 2, 2026, in the data on this page. Payout ratio and cash-flow coverage decide whether it can last, and past dividends do not guarantee future payments.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Research written by Codex (gpt-5.6-sol) on 2026-09-12. AI-authored analysis; source dates are shown with each answer. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief.
Sources — records for every figure on this page (74 figures)
The 74 rows below are exactly the facts the evidence-backed sections of this page printed — the 10-second verdict, the MoonshotScore, price and market value, the five questions with their receipts, and the records behind this page. Known dates and sources are recorded on their own rows; an em dash or UNRECORDED tier preserves a stored observation without inventing either. The quarterly income statement is provider-standardized (FMP) under one row, and scale definitions — a 0-100 rating, the band ladder, the Piotroski 0–9 range — are fixed rather than measured. No number in those sections was generated by a model. The register does not cover quoted third-party headlines, the dated council readings, or the Frequently Asked Questions; each of those says where it came from where it stands.
"As of" is the date the value is true for where the source carries one — a quarter end, a filing date, a price close, the day the score was computed. A cached observation with no source date remains undated; the page publication date is not used as a substitute.
OFFICIAL — 2 facts from SEC filings and earnings calls
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
prod.outlook | Management outlook — call excerpts | Daryl Bible (Jul 15, 2026): We expect NII in the lower half of $7.2 billion-$7.35 billion range and the full-year NIM in the high 3.60%. | OFFICIAL | Company earnings call, transcript via Financial Modeling Prep (FMP) — Selected verbatim statements from the latest available call, dated by the transcript provider. Management expectations, not completed milestones or guarantees. Relative dates retain the speaker's wording. | |
id.hq | SEC filing business address | C/O Legal, ONE M&T Plaza, Buffalo, NY, 14203 | OFFICIAL | SEC EDGAR filer business address — The SEC filer business address. Our market-data provider separately lists "One M&T Plaza, Buffalo, NY, 14203, US". |
FMP — 64 facts from Financial Modeling Prep endpoint families
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
px.last | Latest provided price | $219.17 | FMP | Financial Modeling Prep (FMP) · quote — Dated to the US trading session the price belongs to, derived from the quote record's timestamp (weekend and pre-open reads roll back to the previous weekday; exchange holidays are not modelled). The record does not establish an exchange execution time. Retrieved 2026-10-05T07:14:36.061Z. | |
px.change | Change on the day | +0.84% | FMP | Financial Modeling Prep (FMP) · quote | |
px.mcap | Market capitalisation | $31.8B | FMP | Financial Modeling Prep (FMP) · quote — Date unknown Market cap record date: 2026-10-02. FMP quote timestamp: 2026-10-02T19:59:59.000Z. Captured from FMP at 2026-10-05T07:14:34.648Z. No share-count basis is inferred; this page preserves the reported amount instead of recalculating it from shares. | |
earn.next | Next earnings date | Oct 16, 2026 | FMP | Financial Modeling Prep (FMP) earnings calendar — The date is our provider's estimate until the company confirms it. | |
px.change_abs | Change on the day, in dollars | +$1.82 | FMP | Financial Modeling Prep (FMP) · quote | |
fin.q_revenue | Revenue, Q2 FY2026 | $3.36B | FMP | Financial Modeling Prep (FMP) · income statement (quarterly) | |
px.range52 | 52-week range | $174.76–$255.95 | FMP | Financial Modeling Prep (FMP) quote | |
px.pe | Price / earnings (trailing) | 11.56 | FMP | Financial Modeling Prep (FMP) · quote | |
px.volume | Shares traded on the day | 916.2K | FMP | Financial Modeling Prep (FMP) · quote | |
px.beta | Beta | 0.56 | FMP | Financial Modeling Prep (FMP) company profile | |
id.ceo | Chief executive | Rene F. Jones | FMP | Financial Modeling Prep (FMP) key executives (proxy-derived) — Titles and pay come from the company's proxy statement as our provider parsed it. | |
id.employees | Employees | 21,662 | FMP | Financial Modeling Prep (FMP) employee count, from the company's filing | |
fin.annual | Revenue and net result by fiscal year | 5 fiscal years, FY2021 through FY2025: FY2021 revenue $6.08B, net result $1.86B; FY2022 revenue $8.44B, net result $1.99B; FY2023 revenue $12.51B, net result $2.74B; FY2024 revenue $13.40B, net result $2.59B; FY2025 revenue $12.31B, net result $2.85B | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements | |
fin.rev_mix | Reported revenue segments | Retail Banking $501.00M · Commercial Banking $302.00M | FMP | Financial Modeling Prep (FMP) revenue segmentation, from the company's 10-K | |
fin.q_table.depth.2026-06-30.revenue_k | Revenue — period end 2026-06-30 | $3.36B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.net_result_k | Net income — period end 2026-06-30 | $818.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.eps | EPS — period end 2026-06-30 | $5.2300 (diluted) | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.revenue_k | Revenue — period end 2026-03-31 | $3.23B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.net_result_k | Net income — period end 2026-03-31 | $664.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.eps | EPS — period end 2026-03-31 | $4.2400 (diluted) | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.revenue_k | Revenue — period end 2025-12-31 | $3.33B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.net_result_k | Net income — period end 2025-12-31 | $759.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.eps | EPS — period end 2025-12-31 | $4.6700 (diluted) | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.revenue_k | Revenue — period end 2025-09-30 | $2.51B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.net_result_k | Net income — period end 2025-09-30 | $792.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.eps | EPS — period end 2025-09-30 | $4.8200 (diluted) | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
earn.history.depth.2026-07-15.revenue_actual | Revenue · reported — report date 2026-07-15 | $2.53B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-15.revenue_estimated | Revenue · estimate — report date 2026-07-15 | $2.46B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-15.eps_actual | EPS · reported — report date 2026-07-15 | $5.3500 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-15.eps_estimated | EPS · estimate — report date 2026-07-15 | $4.6600 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-15.revenue_actual | Revenue · reported — report date 2026-04-15 | $2.44B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-15.revenue_estimated | Revenue · estimate — report date 2026-04-15 | $2.43B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-15.eps_actual | EPS · reported — report date 2026-04-15 | $4.1800 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-15.eps_estimated | EPS · estimate — report date 2026-04-15 | $4.0200 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-16.revenue_actual | Revenue · reported — report date 2026-01-16 | $2.48B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-16.revenue_estimated | Revenue · estimate — report date 2026-01-16 | $2.47B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-16.eps_actual | EPS · reported — report date 2026-01-16 | $4.6700 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-16.eps_estimated | EPS · estimate — report date 2026-01-16 | $4.4800 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-16.revenue_actual | Revenue · reported — report date 2025-10-16 | $2.51B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-16.revenue_estimated | Revenue · estimate — report date 2025-10-16 | $2.44B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-16.eps_actual | EPS · reported — report date 2025-10-16 | $4.8700 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-16.eps_estimated | EPS · estimate — report date 2025-10-16 | $4.4300 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
fin.q_table | Quarterly income statement | 4 quarters through Q2 FY2026 | FMP | Financial Modeling Prep (FMP) · income statement (quarterly), as filed | |
fin.opcf.depth.2026-06-30.operating_cash_flow_m | Operating cash flow — period end 2026-06-30 | $1.27B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.operating_cash_flow_m | Operating cash flow — period end 2026-03-31 | $1.01B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-06-30.capex_m | Capital expenditure (reported) — period end 2026-06-30 | −$21.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.capex_m | Capital expenditure (reported) — period end 2026-03-31 | −$96.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.operating_cash_flow_m | Operating cash flow — period end 2025-12-31 | $523.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.capex_m | Capital expenditure (reported) — period end 2025-12-31 | −$56.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-09-30.operating_cash_flow_m | Operating cash flow — period end 2025-09-30 | $1.00B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-09-30.capex_m | Capital expenditure (reported) — period end 2025-09-30 | $51.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
earn.pt_range | Analyst price target, low to high | $224.00 – $301.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 5, 2026 · Coverage not supplied | |
earn.pt_consensus | Consensus analyst price target | $261.08 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 5, 2026 · Coverage not supplied | |
earn.pt_median | Median analyst price target | $255.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 5, 2026 · Coverage not supplied | |
own.insiders | Insider transactions via FMP | 38 transactions · 0 purchases, 12 sales, 26 other transactions · 18 identified insiders · of the newest 100 records, those within the last 180 days, newest dated Sep 14, 2026 | FMP | Financial Modeling Prep (FMP), carrying Form 4 transaction records — Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent. | |
own.institutions.depth.ownership_pct | Institutional ownership | 84.9% | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.ownership_pct_previous_quarter | Previous quarter · ownership | 84.9% | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.institutions.depth.holders | Reporting holders | 1,186 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.holders_previous_quarter | Previous quarter · holders | 1,139 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.top_holders.depth.holder_0.shares | Blackrock, INC. — shares in provider snapshot | 12,846,003 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_1.shares | Fmr LLC — shares in provider snapshot | 12,417,262 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_2.shares | Wellington Management Group Llp — shares in provider snapshot | 9,801,881 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_3.shares | Vanguard Capital Management LLC — shares in provider snapshot | 9,566,754 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_4.shares | State Street Corp — shares in provider snapshot | 7,112,644 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. |
UNRECORDED — 2 facts from stored observations whose source was not recorded
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
earn.history | Reported versus estimated, recent quarters | EPS beat 7 of 8 | UNRECORDED | Stored earnings-history observation — Captured 2026-09-30 · Expired observation | |
fin.scores | Distress and quality screens | Altman Z 0.34 · Piotroski F 6 | UNRECORDED | Stored financial-scores observation — Captured 2026-10-04 · Expired observation |
COMPUTED — 4 facts from our arithmetic, formula restated
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
div.ttm_per_share | Dividends per share, last 12 months (split-adjusted) | $6.00 | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history — Sum of 4 split-adjusted declared dividends with an ex-date in the 365 days to 2026-10-05, per current share. Ex-dates are not payment dates; special dividends are included. Not a declared annual rate. | |
div.ttm_yield | Dividend yield, last 12 months | 2.74% | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history and quote — Split-adjusted dividends with ex-dates in the trailing 365-day window divided by the packet price, on the same current-share basis. Price date follows the quote, latest price bar or packet-build day when unstamped. Not a forecast or declared annual rate. | |
earn.history.depth.2026-07-15.revenue_actual.comparison | Latest report · revenue vs estimate | Above estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported revenue ($2.53B) with the recorded estimate ($2.46B) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
earn.history.depth.2026-07-15.eps_actual.comparison | Latest report · EPS vs estimate | Above estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported EPS ($5.3500) with the recorded estimate ($4.6600) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
OURS — 2 facts from Stock Expert AI's own score and rank
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
ours.moonshot | MoonshotScore v2 | 78 of 100 · Strong · pillars 80 / 53 / 90 / 72 / 39 | OURS | Stock Expert AI MoonshotScore v2 engine | |
ours.moonshot_change | MoonshotScore movement | 77 (stored snapshot Oct 4, 2026) → 78 (current publication computed Oct 5, 2026) (+1) | OURS | Stock Expert AI current score publication and immutable score snapshots — The current score publication is not yet represented in the immutable snapshot archive. |
Fact-family notes
- Quarterly statement note. Source series as of 2026-06-30. Revenue and net income are in USD; EPS is USD per share. Statement EPS is labelled diluted or basic only when its source identifies that basis. Otherwise, its basis is unknown. Applies to Fact IDs:
fin.q_table.depth.2026-06-30.revenue_k,fin.q_table.depth.2026-06-30.net_result_k,fin.q_table.depth.2026-06-30.eps,fin.q_table.depth.2026-03-31.revenue_k,fin.q_table.depth.2026-03-31.net_result_k,fin.q_table.depth.2026-03-31.eps,fin.q_table.depth.2025-12-31.revenue_k,fin.q_table.depth.2025-12-31.net_result_k,fin.q_table.depth.2025-12-31.eps,fin.q_table.depth.2025-09-30.revenue_k,fin.q_table.depth.2025-09-30.net_result_k,fin.q_table.depth.2025-09-30.eps. - Earnings-history note. Source series as of 2026-07-15. Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined. Applies to Fact IDs:
earn.history.depth.2026-07-15.revenue_actual,earn.history.depth.2026-07-15.revenue_estimated,earn.history.depth.2026-07-15.revenue_actual.comparison,earn.history.depth.2026-07-15.eps_actual.comparison,earn.history.depth.2026-07-15.eps_actual,earn.history.depth.2026-07-15.eps_estimated,earn.history.depth.2026-04-15.revenue_actual,earn.history.depth.2026-04-15.revenue_estimated,earn.history.depth.2026-04-15.eps_actual,earn.history.depth.2026-04-15.eps_estimated,earn.history.depth.2026-01-16.revenue_actual,earn.history.depth.2026-01-16.revenue_estimated,earn.history.depth.2026-01-16.eps_actual,earn.history.depth.2026-01-16.eps_estimated,earn.history.depth.2025-10-16.revenue_actual,earn.history.depth.2025-10-16.revenue_estimated,earn.history.depth.2025-10-16.eps_actual,earn.history.depth.2025-10-16.eps_estimated. - Cash-flow note. Source series as of 2026-06-30. USD. Statement entries keep the provider’s reported sign. These financial-company figures are not used here to estimate cash runway, surplus cash, or business value. Applies to Fact IDs:
fin.opcf.depth.2026-06-30.operating_cash_flow_m,fin.opcf.depth.2026-03-31.operating_cash_flow_m,fin.opcf.depth.2026-06-30.capex_m,fin.opcf.depth.2026-03-31.capex_m,fin.opcf.depth.2025-12-31.operating_cash_flow_m,fin.opcf.depth.2025-12-31.capex_m,fin.opcf.depth.2025-09-30.operating_cash_flow_m,fin.opcf.depth.2025-09-30.capex_m.
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- sedat@stockexpertai.com
Sources used for research written 2026-09-12
Historical evidence preserved with this analysis. Current figures are listed separately above.
| Evidence | Captured value | Source date | Source type | Source |
|---|---|---|---|---|
| Business description | M&T Bank Corporation functions as a bank holding entity, delivering a broad spectrum of financial solutions to both commercial enterprises and individual consumers. Its Business Banking division caters to small businesses and professionals, providing essential services such as deposit accounts, credit facilities, and treasury management solutions. The Commercial Banking arm extends its reach to middle-market and large corporate clients, supplying a robust suite of offerings including deposit products, commercial loans and leases, letters of credit, and sophisticated cash management tools. Dedicated to Commercial Real Estate, the company engages in the origination, sale, and servicing of commercial property loans, alongside offering deposit services tailored for this sector. The Discretionary Portfolio segment focuses on internal financial management, overseeing deposits, investment securities, residential real estate loans, and other assets, while also managing short- and long-term borrowed funds and foreign exchange operations. Through its Residential Mortgage Banking segment, M&T originates home loans for consumers, subsequently selling these loans in the secondary market. It also acquires servicing rights for loans initially originated by other institutions. The Retail Banking segment serves individual customers with a diverse array of financial products, including demand, savings, and time deposit accounts; various consumer installment loans such as automobile and recreational vehicle financing; home equity loans and lines of credit; credit cards; and investment vehicles like mutual funds and annuities. Beyond these, M&T Bank offers specialized financial services encompassing trust and wealth management, fiduciary and custodial services, insurance brokerage, institutional securities services, and investment management. Customers can access these services through an extensive network of physical banking offices, dedicated business banking centers, as well as via telephone, online platforms, and automated teller machines (ATMs). As of December 31, 2021, the corporation maintained 688 domestic banking locations across New York, Maryland, New Jersey, Pennsylvania, Delaware, Connecticut, Virginia, West Virginia, and the District of Columbia. Additionally, it operates a full-service commercial banking office in Ontario, Canada. M&T Bank Corporation, established in 1856, has its corporate headquarters situated in Buffalo, New York. | 2026-09-12 | FMP | Financial Modeling Prep (FMP) company profile |
| Revenue by segment | Retail Banking: $501.00M; Commercial Banking: $302.00M | 2025-12-31 | FMP | Financial Modeling Prep (FMP) revenue segmentation, from the company's 10-K |
| Quarterly income statement (USD thousands) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements |
| Management outlook — dated call excerpts | Captured record · 1 entry
Selected verbatim statements from the latest available call, dated by the transcript provider. Management expectations, not completed milestones or guarantees. Relative dates retain the speaker's wording. | 2026-07-15 | OFFICIAL | Company earnings call, transcript via Financial Modeling Prep (FMP) |
| Annual revenue and net result (USD millions) | Captured record · 5 entries
| 2025-12-31 | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements |
| Reported versus estimated, last 8 quarters | Captured record · 8 entries
| 2026-07-15 | FMP | Financial Modeling Prep (FMP) earnings |
| Recent SEC filings |
| 2026-08-04 | OFFICIAL | SEC EDGAR filer submissions |
| Most recent periodic reports | Annual: Document: https://www.sec.gov/Archives/edgar/data/36270/000003627026000010/mtb-20251231.htm, Filed: 2026-02-18, Period end: 2025-12-31; Quarterly: Document: https://www.sec.gov/Archives/edgar/data/36270/000003627026000050/mtb-20260630.htm, Filed: 2026-08-04, Period end: 2026-06-30 | 2026-08-04 | OFFICIAL | SEC EDGAR filer submissions |
| Operating cash flow by quarter (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements |
| Trailing twelve-month ratio set | Quick ratio: 0.42; Current ratio: 0.42; Debt to equity: 0.65; Net margin: 24.4%; Gross margin: 76%; Operating margin: 33.2%; Return on assets: 1.4%; Return on equity: 10.7% Price-based multiples captured at research time are not repeated here; the page shows each once, from current figures with their own dates. A ratio our provider could not compute is absent rather than shown as zero. | 2026-09-12 | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm |
| Cash, investments and debt | Total debt: $18.18B; Liquidity basis: cash and short-term investments; Total liabilities: $191.31B; Cash and short-term investments: $1.94B; Cash and investments: $196.83B; Long-term investments: $194.89B; Long-term investments classification: unclassified Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's balance sheet |
| Cash and investment components | Total basis: cash short and long-term investments; Total: $196.83B; Cash and short-term investments: $1.94B; Long-term investments: $194.89B; Long-term investments classification: unclassified Sums the balance sheet's cash and short-term investments with its long-term investments.; The long-term investment field does not establish marketability; the sum is not a measure of available liquidity.; These provider fields do not establish investment access restrictions or explain differences from third-party cash figures. | 2026-06-30 | COMPUTED | Computed from the balance sheet |
| Cash and short-term investments over time (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's quarterly balance sheets |
| Distress and quality screens | Altman Z-score: 0.35; Piotroski F-score: 6 Altman Z below 1.8 is the conventional distress zone. The screen is built for manufacturers and industrials; for banks, insurers and property companies it is not a meaningful reading. | 2026-09-12 | FMP | Financial Modeling Prep (FMP) financial scores |
| Next earnings report | Date: 2026-10-16; EPS estimate: $4.98 per share; Revenue estimate: $2.53B The date is our provider's estimate until the company confirms it. | 2026-09-12 | FMP | Financial Modeling Prep (FMP) earnings calendar |
| Analyst revenue and earnings estimates (average) | Captured record · 4 entries
| 2026-09-12 | FMP | Financial Modeling Prep (FMP) analyst estimates |
| Sector / industry (provider taxonomy) | Financial Services / Banks - Regional The company's SEC filings classify it under SIC 6022 — State Commercial Banks. | 2026-09-12 | FMP | Financial Modeling Prep (FMP) company profile |
| Analyst actions, most recent per firm | Captured record · 10 entries
One row per firm — the firm's most recent action in our feed. Other data vendors may carry firms ours does not. | 2026-09-08 | FMP | Financial Modeling Prep (FMP) analyst grades |
Data provided for informational purposes only.
ETFs that hold MTB
Funds in our ETF coverage that list MTB among the top 10 holdings on their fund page, largest weight first. Each weight is the fund's reported holding weight as of the date in its row.
| ETF | Weight | Holdings as of |
|---|---|---|
| Genter Capital Dividend Income ETF (GEND) | 4.02% |