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Upturn AI SWOT - About
M&T Bank Corporation (MTB-PJ)
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Upturn Advisory Summary
04/01/2025: MTB-PJ (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 3.46% | Avg. Invested days 49 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size ETF | Market Capitalization 0 USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) 72805 | Beta 0.79 | 52 Weeks Range 22.71 - 27.09 | Updated Date 03/1/2025 |
52 Weeks Range 22.71 - 27.09 | Updated Date 03/1/2025 | ||
Dividends yield (FY) 6.95% | Basic EPS (TTM) - |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 29.85% | Operating Margin (TTM) 40.94% |
Management Effectiveness
Return on Assets (TTM) 1.24% | Return on Equity (TTM) 9.25% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value -358108512 | Price to Sales(TTM) - |
Enterprise Value -358108512 | Price to Sales(TTM) - | ||
Enterprise Value to Revenue - | Enterprise Value to EBITDA - | Shares Outstanding - | Shares Floating 164671886 |
Shares Outstanding - | Shares Floating 164671886 | ||
Percent Insiders - | Percent Institutions - |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
M&T Bank Corporation
Company Overview
History and Background
M&T Bank Corporation, formerly First Empire State Corporation, was founded in 1856 as Manufacturers and Traders Bank in Buffalo, New York. It has grown through acquisitions and organic expansion to become a major regional bank in the Mid-Atlantic and Northeastern U.S.
Core Business Areas
- Commercial Banking: Provides a wide range of lending, deposit, and cash management services to businesses of all sizes.
- Retail Banking: Offers checking and savings accounts, mortgages, credit cards, and other consumer financial products.
- Wealth Management: Provides investment management, trust and estate services, and financial planning to high-net-worth individuals and families.
Leadership and Structure
Renu00e9 F. Jones is the Chairman and CEO. The company is structured with various divisions overseeing its commercial, retail, and wealth management operations. A board of directors provides oversight and governance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans represent a significant portion of M&T Bank's revenue. Market share data varies by region but competes with national and regional banks. Competitors include JPM, BAC, PNC.
- Mortgages: M&T Bank offers a variety of mortgage products. The mortgage market is highly competitive. Competitors include Rocket Mortgage, Wells Fargo, JPM.
- Deposit Accounts: Checking, savings, and money market accounts are core retail banking products. Highly competitive market. Competitors include large national banks and online banks.
Market Dynamics
Industry Overview
The banking industry is currently navigating rising interest rates, increased competition from fintech companies, and evolving regulatory landscape. Regional banks are facing increased scrutiny.
Positioning
M&T Bank is positioned as a strong regional bank with a focus on relationship banking and community involvement. Its competitive advantage lies in its strong customer service and local market knowledge.
Total Addressable Market (TAM)
The TAM for banking services in M&T Bank's geographic footprint is estimated to be several hundred billion dollars. M&T holds a significant portion and is aiming for continued organic growth with stable, long-term customers.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Solid financial performance
- Experienced management team
- Strong customer relationships
- Conservative risk management
Weaknesses
- Limited geographic diversification
- Reliance on traditional banking model
- Higher efficiency ratio compared to some peers
- Potential vulnerability to regional economic downturns
Opportunities
- Expansion into new markets
- Increased adoption of digital banking technologies
- Growth in wealth management business
- Strategic acquisitions
- Increased demand for commercial loans
Threats
- Rising interest rates
- Increased competition from fintech companies
- Regulatory changes
- Economic downturn
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- JPM
- PNC
- USB
- CIT
Competitive Landscape
M&T Bank competes with both large national banks and other regional banks. Its strength lies in its local market knowledge and customer relationships. Disadvantages include less geographic diversification than larger competitors.
Major Acquisitions
People's United Financial
- Year: 2022
- Acquisition Price (USD millions): 7600
- Strategic Rationale: Expanded M&T Bank's footprint in the Northeast and increased its scale.
Growth Trajectory and Initiatives
Historical Growth: M&T Bank has grown steadily through a combination of organic growth and acquisitions.
Future Projections: Analysts project moderate revenue growth for M&T Bank, driven by increased lending and fee income. Earnings growth will depend on interest rate environment and expense management.
Recent Initiatives: M&T Bank is investing in digital banking initiatives and expanding its wealth management business.
Summary
M&T Bank is a financially stable regional bank with a strong presence in the Mid-Atlantic and Northeast. Its focus on relationship banking and community involvement provides a competitive edge. The bank faces challenges from fintech companies and rising interest rates, and needs to continue to invest in digital banking and expand into new markets. M&T is well positioned to capitalize on future opportunities.
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KEY
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Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Analyst estimates
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market data is subject to change.
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 - | 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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