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MTBM&T Bank CorporationHold5.7·$231.88+1.78%
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M&T Bank Corporation (MTB) Stock Analysis

HoldModerate Confidence

Financial Services · Banks - Regional

Hold if already holding. Not a fresh buy at $231.88, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (3.0% away).

M&T Bank is a New York-chartered commercial bank and financial holding company with $213.5B in total assets at December 31, 2025, providing retail and commercial banking, wealth management, trust, and institutional services through two bank subsidiaries (M&T Bank and Wilmington... Read more

$231.88-1.9% A.UpsideScore 5.7/10#90 of 142 Banks - Regional
QualityF-score8 / 9FCF yield
IncomeYield2.63%(5y avg 3.13%)Payout32.85%sustainable
Stop $223.14Target $227.39(resistance)A.R:R -0.7:1
Analyst target$233.17+0.6%18 analysts
$227.39our TP
$231.88price
$233.17mean
$205
$265

Hold if already holding. Not a fresh buy at $231.88, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (3.0% away). Chart setup: No clear chart pattern; technical signals are mixed. Maintain position. Not compelling to add more. Score 5.7/10, moderate confidence.

Passes 7/8 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 32d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: moderate.

TrendMatrix Research · upcoming catalyst calendar

Upcoming dated catalysts

Wed, Jul 15, 202632d to earnings· next earnings call

Thesis

Rewards
Strong earnings beat streak (4/4)
Positive momentum
Risks
Analyst target reached - limited upside remaining
Near 52-week high (3.0% away)
Overbought (RSI 77)

Key Metrics

P/E (TTM)12.8
P/E (Fwd)10.9
Mkt Cap$33.4B
EV/EBITDA
Profit Mgn31.5%
ROE10.3%
Rev Growth5.7%
Beta0.59
Dividend2.63%
Rating analysts24

Quality Signals

Piotroski F8/9

Options Flow

P/C0.29bullish
IV45%normal

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.

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Methodology · Editorial policy & full disclaimer

Rating Breakdown

1 floor-breaker

Technicals below the gate floor. Component breakdown shows what dragged the score down.static

Bollinger
0.0
Support Resistance
0.0
52w Position
9.7
GatesA.R:R -0.7=NEGATIVEMomentum 7.3>=5.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 32d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARSuitability: Moderate
RSI
77 · Overbought
20D MA 50D MA 200D MAGOLDEN CROSSSupport $201.44Resistance $232.03

Price Targets

$223
$227
A.Upside-1.9%
A.R:R-0.7:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeSteady

Risk Alerts

! Target reached (-9.5% upside)
! Negative risk/reward — downside exceeds upside

Earnings

B
B
B
B
4/4 beats
Next Earnings2026-07-15 (32d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is MTB stock a buy right now?

Hold if already holding. Not a fresh buy at $231.88, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (3.0% away). Chart setup: No clear chart pattern; technical signals are mixed. Maintain position. Not compelling to add more. Target $227.39 (-1.9%), stop $223.14 (−3.9%), A.R:R -0.7:1. Score 5.7/10, moderate confidence.

What is the MTB stock price target?

Take-profit target: $227.39 (-1.9% upside). Target $227.39 (-1.9%), stop $223.14 (−3.9%), A.R:R -0.7:1. Stop-loss: $223.14.

What are the risks of investing in MTB?

Analyst target reached - limited upside remaining; Near 52-week high (3.0% away); Overbought (RSI 77).

Is MTB overvalued or undervalued?

M&T Bank Corporation trades at a P/E of 12.8 (forward 10.9). TrendMatrix value score: 7.0/10. Verdict: Hold.

What do analysts say about MTB?

24 analysts cover MTB with a consensus score of 3.5/5. Average price target: $233.

What does M&T Bank Corporation do?M&T Bank is a New York-chartered commercial bank and financial holding company with $213.5B in total assets at December...

M&T Bank is a New York-chartered commercial bank and financial holding company with $213.5B in total assets at December 31, 2025, providing retail and commercial banking, wealth management, trust, and institutional services through two bank subsidiaries (M&T Bank and Wilmington Trust, N.A.) across the Northeast and Mid-Atlantic U.S. Revenue is primarily from net interest income and fee-based services to consumers, businesses, and government entities.

Related stocks: IFS (Intercorp Financial Services In) · SSB (SouthState Bank Corporation) · NU (Nu Holdings Ltd.) · COLB (Columbia Banking System, Inc.) · ONB (Old National Bancorp)
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