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Upturn AI SWOT - About
MTB 
M&T Bank Corporation (MTB)
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Upturn Advisory Summary
04/01/2025: MTB (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit 5.34% | Avg. Invested days 44 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 29.52B USD | Price to earnings Ratio 12.28 | 1Y Target Price 214.92 |
Price to earnings Ratio 12.28 | 1Y Target Price 214.92 | ||
Volume (30-day avg) 1581338 | Beta 0.73 | 52 Weeks Range 129.09 - 222.74 | Updated Date 04/3/2025 |
52 Weeks Range 129.09 - 222.74 | Updated Date 04/3/2025 | ||
Dividends yield (FY) 3.06% | Basic EPS (TTM) 14.64 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 29.85% | Operating Margin (TTM) 42.14% |
Management Effectiveness
Return on Assets (TTM) 1.24% | Return on Equity (TTM) 9.25% |
Valuation
Trailing PE 12.28 | Forward PE 10.88 | Enterprise Value 25425491968 | Price to Sales(TTM) 3.41 |
Enterprise Value 25425491968 | Price to Sales(TTM) 3.41 | ||
Enterprise Value to Revenue 4.87 | Enterprise Value to EBITDA - | Shares Outstanding 164290000 | Shares Floating 163501927 |
Shares Outstanding 164290000 | Shares Floating 163501927 | ||
Percent Insiders 0.39 | Percent Institutions 89.4 |
Analyst Ratings
Rating 3.76 | Target Price 224.97 | Buy 3 | Strong Buy 8 |
Buy 3 | Strong Buy 8 | ||
Hold 8 | Sell 1 | Strong Sell 1 | |
Strong Sell 1 |
Upturn AI SWOT
M&T Bank Corporation
Company Overview
History and Background
M&T Bank Corporation was founded in 1856 as Manufacturers and Traders Trust Company. It has grown through acquisitions and organic expansion to become a major regional bank in the Northeastern and Mid-Atlantic United States.
Core Business Areas
- Commercial Banking: Offers a range of lending, deposit, and other financial services to businesses of all sizes.
- Retail Banking: Provides banking services to individual customers, including checking and savings accounts, loans, and investment products.
- Wealth Management: Offers investment management, trust, and estate planning services to high-net-worth individuals and families.
- Mortgage Banking: Origination, sales, and servicing of residential mortgage loans.
Leadership and Structure
Renu00e9 F. Jones is the Chairman and CEO. The organizational structure includes various divisions overseeing commercial banking, retail banking, wealth management, and other key functions. Board of Directors provides strategic oversight.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including working capital, equipment financing, and real estate. Market share data is difficult to pinpoint precisely on this specific product level but M&T's overall commercial lending market position is strong in its operating region. Competitors include large national banks like JPM, BAC, and regional players such as PNC.
- Residential Mortgages: Mortgage loans for the purchase or refinance of residential properties. Market share varies by geography; M&T is a significant player in its core markets. Competitors include Rocket Mortgage, Wells Fargo, and various local and regional mortgage lenders.
- Business Banking: Deposit products, loans, and cash management services for small and medium-sized businesses. M&T has a notable presence in this sector within its footprint. Competitors include national banks and other regional banks targeting SMBs.
- Wealth Management Services: Provides full suite services including portfolio management, brokerage, trust and estate planning. The service contributes to M&T fees. Competitors include Fidelity, Schwab, Northern Trust, BNY Mellon.
Market Dynamics
Industry Overview
The banking industry is currently navigating a complex environment with rising interest rates, increased regulatory scrutiny, and competition from fintech companies.
Positioning
M&T Bank Corporation is a well-established regional bank with a strong focus on customer service and community involvement. Its competitive advantage lies in its deep understanding of its local markets and its ability to build long-term relationships with customers.
Total Addressable Market (TAM)
The total addressable market (TAM) for banking services in the Northeastern and Mid-Atlantic US is estimated to be in the hundreds of billions of dollars. M&T is positioned to capture a portion of this TAM through its diverse product offerings and strong regional presence.
Upturn SWOT Analysis
Strengths
- Strong Regional Presence
- Excellent Customer Service
- Solid Credit Quality
- Experienced Management Team
- Diverse Product Portfolio
Weaknesses
- Limited Geographic Diversification
- Dependence on Interest Rate Environment
- Higher Expense Ratio Compared to Peer
- Slower technology adoption compared to competitors
- Limited International Operations
Opportunities
- Expansion into New Markets
- Increased Digital Banking Adoption
- Growth in Wealth Management
- Strategic Acquisitions
- Fintech Partnerships
Threats
- Rising Interest Rates
- Increased Regulatory Scrutiny
- Competition from Fintech Companies
- Economic Downturn
- Cybersecurity Risks
Competitors and Market Share
Key Competitors
- PNC
- USB
- KEY
- BAC
- JPM
- WFC
Competitive Landscape
M&T Bank Corporation competes with large national banks and other regional banks. Its advantages include its strong regional presence, excellent customer service, and solid credit quality. Disadvantages include limited geographic diversification and dependence on interest rate environment.
Major Acquisitions
People's United Financial
- Year: 2022
- Acquisition Price (USD millions): 7600
- Strategic Rationale: Expanded M&T's presence in New England and strengthened its commercial banking business.
Growth Trajectory and Initiatives
Historical Growth: M&T Bank Corporation has experienced steady growth in assets, loans, and deposits over the past years.
Future Projections: Analysts expect M&T Bank Corporation to continue to grow at a moderate pace in the coming years, driven by organic growth and potential acquisitions.
Recent Initiatives: Recent initiatives include investments in digital banking, expansion into new markets, and strategic acquisitions.
Summary
M&T Bank Corporation is a strong regional bank with a solid track record of financial performance. Its focus on customer service and community involvement sets it apart from its competitors. However, it needs to address its limited geographic diversification and dependence on interest rate environment to sustain its growth in the long term.
Similar Companies
FHN
First Horizon National Corporation
FHN
First Horizon National Corporation
HBAN
Huntington Bancshares Incorporated
HBAN
Huntington Bancshares Incorporated
KEY
KeyCorp
KEY
KeyCorp
PNC
PNC Financial Services Group Inc
PNC
PNC Financial Services Group Inc
RF
Regions Financial Corporation
RF
Regions Financial Corporation
USB
U.S. Bancorp
USB
U.S. Bancorp
Sources and Disclaimers
Data Sources:
- M&T Bank Corporation Investor Relations
- SEC Filings (10-K, 10-Q)
- Analyst Reports
- Company Press Releases
- Market Data Providers (e.g., Bloomberg, Reuters)
- FDIC.gov
- Company websites
- Yahoo Finance
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered as financial advice. Investment decisions should be based on thorough research and consultation with a qualified financial advisor. Market share data is estimated and may vary depending on the source.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About M&T Bank Corporation
Exchange NYSE | Headquaters Buffalo, NY, United States | ||
IPO Launch date 1991-10-04 | Chairman & CEO Mr. Rene F. Jones CPA | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 21873 | Website https://www.mtb.com |
Full time employees 21873 | Website https://www.mtb.com | ||
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, and direct deposit 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, security brokerage, 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.
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