Stocktoria
M&T BANK CORP MTB
M&T BANK CORP (MTB) earns a Piotroski F-score of 7/9 (strong financial health). It pays a dividend yielding 2.59% (safety: safe). FY2025 revenue was $1.7B at a 172.1% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Recent analyst actions
| Date | Firm | Rating |
|---|---|---|
| 2026-08-03 | UBS | Neutral (main) |
| 2026-07-29 | JP Morgan | Neutral (main) |
| 2026-07-21 | Truist Securities | Hold (main) |
| 2026-07-16 | DA Davidson | Neutral (main) |
| 2026-07-16 | RBC Capital | Outperform (main) |
| 2026-07-16 | Wells Fargo | Underweight (main) |
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Forward estimates · earnings calendar →
Consensus analyst estimates and scheduled dates — forward-looking, may change.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 7/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| MTB | M&T BANK CORP | 7/9 | — | 12.2 | +7.5% |
| FBP | FIRST BANCORP /PR/ | 7/9 | — | 11.8 | +2.4% |
| GBFH | GBank Financial Holdings Inc. | 2/9 | — | 21.2 | — |
| UCB | UNITED COMMUNITY BANKS INC | 6/9 | — | 13 | +11.7% |
| FHB | FIRST HAWAIIAN, INC. | 6/9 | — | 13 | +8.9% |
| BUSE | FIRST BUSEY CORP /NV/ | 4/9 | — | 18.6 | +55.7% |
| GABC | GERMAN AMERICAN BANCORP, INC. | 6/9 | — | 15.9 | +37.8% |
All Finance, Insurance & Real Estate companies →
About M&T BANK CORP
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.
FAQ
Is MTB financially healthy?
M&T BANK CORP's Piotroski F-score is 7/9 (8–9 is excellent, 0–3 weak).
Does MTB pay a dividend, and is it safe?
Yes. M&T BANK CORP pays a dividend yielding about 2.59% with a 31.5% payout ratio, rated “safe” for safety.
How profitable is MTB?
In FY2025, M&T BANK CORP had a net margin of 172.1% and a return on equity of 9.8%.
Is MTB overvalued or undervalued?
M&T BANK CORP trades at about 14.9× trailing earnings — above its 10-year norm (10-year range 8.7×–21.9×, median 13.3×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for MTB?
The average Wall-Street price target for M&T BANK CORP is $255.97, about 1.0% above the recent price, from 18 analysts (consensus: hold).
Is MTB a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on M&T BANK CORP: a Piotroski F-score of 7/9, a P/E of about 12.2×, a dividend yield of 2.59%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.