MTB
M&T Bank Corp
$237.94
+3.31 (+1.41%)
At close · Jul 9
Market Cap
$35.52B
Shares
146,445,060
Price & Indicators
Indicators
Price
Panels
Event markers
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$237.94
Open$236.23
Day$235.21–239.00
52W$172.18–243.57
Avg vol 30d993K
Short int6.0M · 4.1% float · 4.5d
Short vol72%
Last earningsApr 15, 2026
DataJan 2020–Jul 2026
Filing10-Q · May 5
Up next
Next earnings call
Jul 16, 2026
Est · unconfirmed
· in 1 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed May 5, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Equibles Rating
blended score · not investment advice
Overall
Buy
SellHoldBuy
Technical
Buy
Momentum
Very Strong
Sentiment
Neutral
Fundamentals
Strong
Quant / Vol
Very Low
Market backdrop
VIX 15 · calm
Equity put/call 0.55
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+14%
above
Price vs 50-day avg
+7%
above
RSI (14)
61
neutral
MACD trend
Negative
52-week position
92%
near high
Momentum
relative strength
1-month return
+6%
trailing
6-month return
+14%
trailing
YTD return
+19%
this year
Relative strength
+5%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $222 › 200d $209 — 50d above 200d
Institutional flow
Distributing
60 of 1,109 funds reported for Jun 30 · net -13.9K sh shares · +6 new
Insider flow
Distributing
Net -$6.6M over 90 days · 100% sells
Short interest
Falling
4.09% of float · ▼ -2.7% MoM · 4.5 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
1,109 holders — near 3-yr high, broad support
Squeeze score
56
elevated · 0–100
Fundamentals
Revenue growth
+18%
Y/Y
EPS growth
+16%
Y/Y
Valuation
P/E 13.6
in line
Balance sheet
$9.5B
net debt
Quant / Vol
risk profile
Volatility
22%
annualized · 1-yr
Max drawdown
−17%
past year
ATR
1.9%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the Earnings Call filed Dec 31, 2025
full year
Taxable equivalent net interest income
Initiated
$7.27B
Full-year average loans
Initiated
$140B – $142B
Full-year average deposits
Initiated
$165B – $167B
Non-interest income
Initiated
$2.68B – $2.78B
Total non-interest expense including intangible amortization
Initiated
$5.5B – $5.6B
Charge-offs
Initiated
0.4%
Taxable equivalent tax rate
Initiated
24% – 25%
2026
CET1 ratio
Initiated
10.25% – 10.5%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+14%
Bullish
Price vs 50-day avg
+7%
Bullish
RSI (14)
61
Neutral
MACD trend
Negative
Bearish
52-week position
92%
Bullish
Market signals — smart money & positioning
Mixed
Trend (MA cross)
No cross
50d $222 › 200d $209 — 50d above 200d
Institutional flow
Distributing
60 of 1,109 funds reported for Jun 30 · net -13.9K sh shares · +6 new
Insider flow
Distributing
Net -$6.6M over 90 days · 100% sells
Short interest
Falling
4.09% of float · ▼ -2.7% MoM · 4.5 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
1,109 holders — near 3-yr high, broad support
Price context
position in its 52-week range
52-wk low $172
Now $238 · 92%
52-wk high $244
vs 200-day avg +14%
vs 50-day avg +7%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from its earnings releases, calls, and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Allowance for loan losses to total loans | 1.53% | 1Q26 | — |
| Annualized return on average tangible common equity non-GAAP | 14.51% | 1Q26 | — |
| Diluted net operating earnings per common share non-GAAP | $4.18 | 1Q26 | — |
| Efficiency ratio (non-GAAP) non-GAAP | 58.3% | 1Q26 | — |
| Net operating income non-GAAP | $671M | 1Q26 | — |
| Return on average common shareholders' equity - annualized | 9.67% | 1Q26 | — |
| Tangible equity per common share non-GAAP | $115.96 | 1Q26 | — |
| allowance for loan losses as a percent of total loans | 1.53% | the first quarter call | — |
| allowance for loan losses as a percentage of total loans | 1.53% | Q1 2026 call | — |
| average investment securities | 37.8B | Q1 2026 call | — |
| average loans and leases | 138.4B | Q1 2026 call | — |
| average total deposits | 164.3B | Q1 2026 call | — |
| CET1 ratio | 10.33% | Q1 2026 call | — |
| commercial loans | 63.8B | Q1 2026 call | — |
| commercial real estate loans | 23.5B | Q1 2026 call | — |
| consumer loans | 26.3B | Q1 2026 call | — |
| cost of interest-bearing deposits | 1.96% | Q1 2026 call | — |
| CRE loans | $23.5B | the first quarter call | — |
| criticized balances reduction | $700M | the first quarter call | — |
| criticized loans | 6.6B | Q1 2026 call | — |
| duration of the investment portfolio | 3.8 | Q1 2026 call | — |
| efficiency ratio | 58.3% | Q1 2026 call | — |
| interest-bearing deposit beta | 56% | since the start of the cutting cycle in 2024 call | — |
| interest-bearing deposit costs | 1.96% | the first quarter call | — |
| interest-bearing deposits | 119.7B | Q1 2026 call | — |
| investment securities | $37.8B | the first quarter call | — |
| investment securities and cash held at the Fed | $53.1B | end of the first quarter call | — |
| LCR | 107% | Q1 2026 call | — |
| liquidity coverage ratio | 107% | quarter end call | — |
| loan yields | 5.86% | Q1 2026 call | — |
| mortgage banking revenues | 127M | Q1 2026 call | — |
| net charge-offs | 31 | Q1 2026 call | — |
| net interest margin | 3.71% | Q1 2026 call | — |
| non-accrual loans | 1.2B | Q1 2026 call | — |
| non-interest-bearing deposits | 44.6B | Q1 2026 call | — |
| residential mortgage loans | 24.8B | Q1 2026 call | — |
| ROTA non-GAAP | 1.33% | the first quarter call | — |
| ROTCE non-GAAP | 14.51% | the first quarter call | — |
| securities and cash held at the Fed | 53.1B | Q1 2026 call | — |
| share repurchases | 1.25B | Q1 2026 call | — |
| share repurchases as percent of shares outstanding | 3.5% | the first quarter call | — |
| unrealized pre-tax gain on the available-for-sale portfolio | 9M | Q1 2026 call | — |
| yield on investment securities | 4.26% | Q1 2026 call | — |
Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
MTB
this stock
M&T Bank Corp
|
$35.52B | +18.9% | +17.9% | 13.6 | 4.1% |
|
HDB
Hdfc Bank Ltd
|
$136.72B | -27.4% | +15.2% | — | 0.4% |
|
MFG
Mizuho Financial Group Inc
|
$127.67B | +43.2% | — | — | 0.1% |
|
IBN
Icici Bank Ltd
|
$104.94B | -2.3% | — | — | 0.7% |
|
PNC
Pnc Financial Services Group, Inc.
|
$101.16B | +21.1% | +7.2% | 14.6 | 1.9% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| MTB | -1.7% | +5.6% | +14.2% | 0.0% | +18.9% |
| SPY | +0.8% | +2.0% | +8.9% | +0.7% | +10.2% |
| vs SPY | -2.5% | +3.6% | +5.3% | -0.7% | +8.7% |
Capital returns
Latest dividend
$1.50
/ share · ex Mar 2, 2026
Paid (TTM)
$4.50
/ share · 3 payouts
Dividend yield (TTM, derived)
1.89%
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.