Is M&T Bank Corporation (MTB) Overvalued?
We dive into why M&T Bank Corporation (MTB) could be considered overvalued on 2026-07-17, based on AAII’s Value Score and Grade.Michael Rose
A+ Stock Grade Summary:
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COMPANY SUMMARY
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.
Commentary & Analysis
Which Is a Better Investment, Cullen/Frost Bankers, Inc. or M&T Bank Corporation Stock?
Learn more about whether Cullen/Frost Bankers, Inc. or M&T Bank Corporation is a better investment based on AAII's A+ Investor grades, which compare both companies' key financial metrics.Michael Rose
What You Need to Know About M&T Bank Corporation's Q3 Earnings
M&T Bank Corporation's fiscal Q3 earnings report was released on Wednesday, July 15. Let's dive in to see if (MTB) missed or beat analyst's expectations.Michael Rose
Which Is a Better Investment, M&T Bank Corporation or Old National Bancorp Stock?
Learn more about whether M&T Bank Corporation or Old National Bancorp is a better investment based on AAII's A+ Investor grades, which compare both companies' key financial metrics.Rosalio Madrigal
Which Is a Better Investment, M&T Bank Corporation or Zions Bancorporation, National Association Stock?
Learn more about whether M&T Bank Corporation or Zions Bancorporation, National Association is a better investment based on AAII's A+ Investor grades, which compare both companies' key financial metrics.Rosalio Madrigal
Financial Summary
| Share Statistics | MTB | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $35,798.5 | $719.5 | 91% |
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| Shares Out (Mil) | 150.1 | 15.6 | 71% |
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| Institutional Ownership | 49.8% | 83.3% | 26% |
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| Float (Mil) | 144.2 | 21.2 | 69% |
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| Beta | 0.57 | 0.46 | 32% |
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| Avg Daily Volume (000s) | 1,175 | 51 | 74% |
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| Price Change (52-week) |
27.1% | 96.5% | 67% |
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| Growth | MTB | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 12.2% | 7.6% | 66% |
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| Net Income (5yr) | 16.1% | 11.1% | 66% |
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| EPS (5yr) | 11.3% | 10.1% | 49 |
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| Dividends (5yr) | 5.3% | 3.6% | 98% |
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| Cash Flow (5yr) | (74.1%) | (17.0%) | 2% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 12 | 13 | 15 | |
| Current EPS | $4.910 | $19.308 | $21.047 | |
| Month Ago EPS | $4.894 | $18.758 | $20.927 | |
| # Rev Up | 2 | 1 | 1 | |
| # Rev Down | 0 | 0 | 0 | |
| Three Months Ago EPS | $4.874 | $18.682 | $20.867 | |
| Year/Year Chg | 18.9% | 13.6% | 36.9% | |
| Financials | MTB | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $9,310 | $190 | 83% |
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| Net Income (TTM) (Mil) | $2,931 | $51 | 94% |
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| EPS (TTM) | $17.985 | $2.500 | 98% |
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| Operating Cash Flow (TTM) (Mil) | $3,380 | $34 | 92% |
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| Net Cash Flow (TTM) (Mil) | ($4,634) | $1 | 1% |
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| Long-Term Debt (Q1) (Mil) | $11,175 | $98 | 92% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | MTB | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.42 | 1.26 | 37% |
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| P/E | 13.8 | 12.9 | 31% |
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| Dividend Yield | 2.4% | 2.2% | 80% |
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| PEG (5yr hist) | 1.2 | 1.1 | 52% |
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| Ratios | MTB | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 68.8% | na |
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| Net Margin | 32.1% | 28.9% | 90% |
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| ROA | 1.4% | 1.0% | 51% |
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| ROE | 11.2% | 11.1% | 61% |
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| Liabilities to Assets | 87.0% | 89.8% | 81% |
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| F-Score | 5 | 4 | 51% |
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Passing Stock Screens
As of 7/30/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.9% |
| +/- S&P 500: | -0.6 |
GURU STRATEGY
Neff Screen
Factors: Value, Growth
An approach using a stringent contrarian viewpoint—finding undervalued, out-of-favor stocks in the bargain basement that have an optimistic future.
| Performance Since Inception: | 14.4% |
| +/- S&P 500: | +6.9 |
FACTOR STRATEGY
P/E Relative Screen
Factors: Value, Earnings Estimates
A screen that looks at the relationship of a stock's price-earnings ratio to that of the industry and market.
| Performance Since Inception: | 13.7% |
| +/- S&P 500: | +6.2 |
GURU STRATEGY
Dreman Screen
Factors: Value, Growth
Avoiding the psychological traps of the market by following the principles of contrarian investing.
| Performance Since Inception: | 8.5% |
| +/- S&P 500: | +1.0 |
GURU STRATEGY
Dreman With Est Revisions Screen
Factors: Value, Growth, Earnings Estimates
Utilizing contrarian stocks with upward earnings revisions.
| Performance Since Inception: | 14.3% |
| +/- S&P 500: | +6.8 |
Passing Stocks
| CGI Inc. | GIB |
| Fox Corporation | FOXA |
| M&T Bank Corporation | MTB |
| The PNC Financial Services Group, Inc. | PNC |
