M&T Bank/$MTB
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Capital at risk
About M&T Bank
M&T Bank is a US regional bank with around $220 billion in assets as of the end of the second quarter of 2026. Headquartered in Buffalo, New York, the bank's footprint is mostly concentrated in New England and the US Mid-Atlantic. M&T Bank boasts a community banking approach, and boasts over 900 branches in 13 states and Washington, D.C. Apart from retail and commercial banking, M&T Bank also has wealth management operations through Wilmington Trust and a partnership with LPL Financial, and a corporate trust business.
- Ticker
- $MTB
- Sector
- Finance
- Primary listing
- NYSE
- Employees
- 21,662
- Headquarters
- Buffalo, United States
- Website
- www.mtb.com
M&T Bank Metrics
BasicAdvanced
$32B
11.68
$18.94
0.57
$6.00
2.71%
Price and volume
Market cap
$32B
Beta
0.57
52-week high
$255.95
52-week low
$174.76
Average daily volume
1M
Dividend rate
$6.00
Financial strength
Dividend payout ratio (TTM)
35.18%
Profitability
Net profit margin (TTM)
32.09%
Operating margin (TTM)
42.37%
Effective tax rate (TTM)
22.67%
Revenue per employee (TTM)
$440,000
Management effectiveness
Return on assets (TTM)
1.41%
Return on equity (TTM)
10.74%
Valuation
Price to earnings (TTM)
11.68
Price to revenue (TTM)
3.53
Price to book
1.26
Price to tangible book (TTM)
1.89
Price to free cash flow (TTM)
9.713
Free cash flow yield (TTM)
10.30%
Free cash flow per share (TTM)
22.772
Dividend yield (TTM)
2.71%
Forward dividend yield
2.71%
Growth
Revenue change (TTM)
6.14%
Earnings per share change (TTM)
22.69%
3-year revenue growth (CAGR)
0.60%
3-year earnings per share growth (CAGR)
3.98%
10-year earnings per share growth (CAGR)
10.04%
3-year dividend per share growth (CAGR)
6.27%
10-year dividend per share growth (CAGR)
7.92%
What the Analysts think about M&T Bank
Analyst ratings (Buy, Hold, Sell) for M&T Bank stock.
Analyst projections of the future price of M&T Bank stock.
Bulls say / Bears say
M&T's second-quarter profit rose 14% year on year as net interest income increased 4.6% and the net interest margin reached 3.70%. Average loans grew by $3bn, led by commercial and industrial lending, prompting management to lift its 2026 year-end loan guidance to $141bn-$143bn. (M&T Bank)
Credit trends are moving in the right direction: nonaccrual loans fell 23% year on year, net charge-offs dropped to 23 basis points and the provision for credit losses fell to $120m. Criticised commercial loans also declined, suggesting the current expansion has not yet brought broad credit deterioration. (M&T Bank, American Banker)
Funding could become more expensive as lending outpaces deposits. Average deposits slipped quarter on quarter while borrowings rose to $20.8bn from $16.8bn, and management has acknowledged that it is paying more to attract deposits. (American Banker, M&T Bank)
Capital is becoming less generous as the balance sheet expands and buybacks continue. The estimated CET1 ratio fell to 10.19% from 10.33% in the prior quarter and 10.99% a year earlier, while tangible common equity to tangible assets fell 60 basis points year on year. (M&T Bank)
Credit risks have not disappeared: accruing loans more than 90 days past due rose 22% year on year to $603m, while management said the $1.2bn of nonaccrual loans leaves limited room for further improvement. M&T has also resumed commercial real estate growth, increasing its exposure if property conditions weaken. (M&T Bank, American Banker)
Data summarised monthly by Lightyear AI. Last updated on 16 Sept 2026.
M&T Bank Financial Performance
Revenues and expenses
M&T Bank Earnings Performance
Company profitability
Upcoming events
M&T Bank News
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Funds containing M&T Bank
AllEURUSDGBP
Fund name | Fund size | $MTB weighting |
|---|---|---|
iShares S&P US Banks€IUS2 | €1B | 3.90% |
iShares S&P 500 Financials Sector$IUFS | $2.4B | 0.41% |
iShares S&P 500 Financials Sector£UIFS | £1.8B | 0.41% |
iShares S&P 500 Equal Weight€O4J0 | €4.3B | 0.19% |
iShares S&P 500 Equal Weight£EWSP | £3.7B | 0.19% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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