MTB · M&T Bank Corp
$237.56
-1.12 (-0.47%)
At close · Aug 28
Market Cap
$34.47B
Shares
144.42M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$238.68
Open$239.23
Day$237.28–240.32
52W close$178.63–254.09
Avg vol 30d986K
Short int5.6M · 3.9% float · 6.9d
Short vol51%
Last earningsJul 15, 2026
DataJan 2020–Aug 2026
Filing10-Q · Aug 4
Up next
Next earnings call
Oct 15, 2026
Est · unconfirmed
· in 7 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 4, 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
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Neutral
Momentum
Strong
Sentiment
Neutral
Fundamentals
Strong
Quant / Vol
Very Low
Market backdrop
VIX 14.5 · calm
Equity put/call 0.39
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+9%
above
Price vs 50-day avg
−2%
below
RSI (14)
39
neutral
MACD trend
Negative
52-week position
80%
mid-range
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
−3%
trailing
6-month return
+13%
trailing
YTD return
+18%
this year
Relative strength
−1%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $244 › 200d $219 — 50d above 200d
Institutional flow
Accumulating
+3% holders QoQ · +130 funds added
Insider flow
Distributing
Net -$929.6K over 90 days · 100% sells
Short interest
Rising
3.88% of float · ▲ +5.2% MoM · 6.9 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
1,149 holders — near 3-yr high, broad support
Squeeze score
62
elevated · 0–100
Fundamentals
Revenue growth
+18%
Y/Y
EPS growth
+16%
Y/Y
Valuation
P/E 12.6
in line
Buyback
$5.0B
authorized
Balance sheet
$11.6B
net debt
Quant / Vol
risk profile
Volatility
22%
annualized · 1-yr
Max drawdown
−18%
past year
ATR
1.8%
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 8-K filed Jul 15, 2026
GAAP Expense (Includes intangible amortization)
· 2026
GAAP
$5.5B – $5.6B
Fee Income
· 2026
$2.8B – $2.85B
Average Deposits
· 2026
$165B – $167B
Average Loans
· 2026
$141B – $143B
Prior guidance
period ended
· from the 8-K filed Oct 16, 2025
Net Interest Income (Taxable-equivalent)
· 4Q25
$1.8B
Fee Income
· 4Q25
$670M – $690M
Net Interest Margin
· 4Q25
3.7%
Tax Rate (Taxable-equivalent)
· 4Q25
23.5% – 24%
GAAP Expense (Includes intangible amortization)
· 4Q25
$1.35B – $1.37B
Average Loans
· 4Q25
$137B – $138B
Average Deposits
· 4Q25
$163B – $164B
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Neutral
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+9%
Bullish
Price vs 50-day avg
−2%
Neutral
RSI (14)
39
Neutral
MACD trend
Negative
Bearish
52-week position
80%
Neutral
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Mixed
Trend (MA cross)
No cross
50d $244 › 200d $219 — 50d above 200d
Institutional flow
Accumulating
+3% holders QoQ · +130 funds added
Insider flow
Distributing
Net -$929.6K over 90 days · 100% sells
Short interest
Rising
3.88% of float · ▲ +5.2% MoM · 6.9 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
1,149 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $179
Now $239 · 80%
Range high $254
vs 200-day avg +9%
vs 50-day avg -2%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Allowance for loan losses to total loans | 1.52% | 2Q26 | — |
|
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| Annualized return on average tangible assets | 1.46% | Six Months Ended June 30, 2026 | — |
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| Annualized return on average tangible common equity | 16.52% | Six Months Ended June 30, 2026 | — |
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| Average tangible assets non-GAAP | $208.03B | Three Months Ended June 30, 2026 | — |
|
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GAAP → non-GAAP reconciliationGAAP Average assets $216.53B
-$8.47B Goodwill
-$51M Core deposit and other intangible assets
+$17M Deferred taxes
= Average tangible assets $208.03B
|
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| Average tangible common equity non-GAAP | $17.01B | Three Months Ended June 30, 2026 | — |
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GAAP → non-GAAP reconciliationGAAP Average total equity $27.94B
-$2.43B Preferred stock
-$8.47B Goodwill
-$51M Core deposit and other intangible assets
+$17M Deferred taxes
= Average tangible common equity $17.01B
|
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| Common equity Tier 1 capital ratio | 10.19% | 2Q26 | — |
| Diluted net operating earnings per common share non-GAAP | $9.52 | Six Months Ended June 30, 2026 | — |
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| Efficiency ratio | 55.5% | Six Months Ended June 30, 2026 | — |
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| Interest-bearing deposit cost non-GAAP | 1.95% | 2Q26 | — |
| Net interest margin | 3.7% | Six Months Ended June 30, 2026 | — |
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| Net operating income non-GAAP | $1.49B | Six Months Ended June 30, 2026 | — |
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| Tangible Common Equity / Tangible Assets non-GAAP | 8.07% | 2Q26 | — |
| Tangible equity per common share non-GAAP | $117.41 | 2Q26 | — |
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| Total deposit cost non-GAAP | 1.42% | 2Q26 | — |
| Total Loan Yield non-GAAP | 5.89% | 2Q26 | — |
| Total tangible assets non-GAAP | $210.77B | At end of quarter June 30, 2026 | — |
| Total tangible common equity non-GAAP | $17.02B | At end of quarter June 30, 2026 | — |
| Allowance for Loan Losses | $2.14B | 1Q26 | — |
| Criticized % of C&I and CRE Loans | 7.4% | 1Q26 | — |
| Criticized Loans | $6.6B | 1Q26 | — |
| Full-service domestic banking offices | 930 | First Quarter 2026 | — |
| Full-time equivalent employees | 21,866 | First Quarter 2026 | — |
| Net Charge-off Ratio | 0.31% | 1Q26 | — |
| Net Charge-offs | $105M | 1Q26 | — |
| Noninterest operating expense non-GAAP | $1.43B | First Quarter 2026 | — |
GAAP → non-GAAP reconciliationGAAP Other expense $1.44B
-$9M Amortization of core deposit and other intangible assets
= Noninterest operating expense $1.43B
|
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| Period end common stock price | $206.72 | First Quarter 2026 | — |
| Taxable-equivalent net interest income non-GAAP | $1.76B | First Quarter 2026 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
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
|
$34.47B | +18.5% | +17.9% | 12.6 | 3.9% |
|
MFG
Mizuho Financial Group Inc
|
$126.83B | +42.6% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$115.38B | -38.5% | +15.2% | — | 0.5% |
|
CIXPF
CaixaBank/ADR
|
$110.04B | +26.1% | — | — | 0.1% |
|
IBN
Icici Bank Ltd
|
$107.15B | +0.2% | — | — | 0.7% |
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
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| MTB | +0.2% | -3.4% | +13.4% | -3.1% | +18.5% |
| SPY | +1.1% | +4.0% | +14.7% | +3.2% | +13.1% |
| vs SPY | -0.9% | -7.3% | -1.3% | -6.3% | +5.4% |
Capital returns
Latest dividend
$1.50
/ share · ex Jun 1, 2026
Declared · upcoming
$1.50
/ share · ex Sep 1, 2026
Paid (TTM)
$6.00
/ share · 4 payouts
Dividend yield (TTM, derived)
2.51%
Buyback program
· as of Mar 30, 2026
Authorized
$5.00B
Spent (derived)
—
Remaining
—
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.
Key facts
CIK
36270
CUSIP
55261F104
13F (30d)
794 filings
766 filers
Visit website
Investor relations