MTB
Bearish signalScored 2026-10-21 Drivers: trend, fundamentals. Moteurs : tendance, fondamentaux.
Research, not advice.
À propos
M&T Bank Corporation
- Nom
- M&T Bank Corporation
- Secteur
- Financial Services
- Industrie
- Banks - Regional
- Bourse
- NYSE
- Capitalisation
- $32.0B
- Employés
- 21,662
- PDG
- Rene F. Jones
- Site web
- https://www.mtb.com
- Marché
- CBSHCFGFITBHBANKEYOFG
M&T Bank Corporation functions as a bank holding entity, delivering a broad spectrum of financial solutions to both commercial enterprises and individual consumers. Its Business Banking division caters to small businesses and professionals, providing essential services such as deposit accounts, credit facilities, and treasury management solutions. The Commercial Banking arm extends its reach to middle-market and large corporate clients, supplying a robust suite of offerings including deposit products, commercial loans and leases, letters of credit, and sophisticated cash management tools. Dedicated to Commercial Real Estate, the company engages in the origination, sale, and servicing of commercial property loans, alongside offering deposit services tailored for this sector. The Discretionary Portfolio segment focuses on internal financial management, overseeing deposits, investment securities, residential real estate loans, and other assets, while also managing short- and long-term borrowed funds and foreign exchange operations. Through its Residential Mortgage Banking segment, M&T originates home loans for consumers, subsequently selling these loans in the secondary market. It also acquires servicing rights for loans initially originated by other institutions. The Retail Banking segment serves individual customers with a diverse array of financial products, including demand, savings, and time deposit accounts; various consumer installment loans such as automobile and recreational vehicle financing; home equity loans and lines of credit; credit cards; and investment vehicles like mutual funds and annuities. Beyond these, M&T Bank offers specialized financial services encompassing trust and wealth management, fiduciary and custodial services, insurance brokerage, institutional securities services, and investment management. Customers can access these services through an extensive network of physical banking offices, dedicated business banking centers, as well as via telephone, online platforms, and automated teller machines (ATMs). As of December 31, 2021, the corporation maintained 688 domestic banking locations across New York, Maryland, New Jersey, Pennsylvania, Delaware, Connecticut, Virginia, West Virginia, and the District of Columbia. Additionally, it operates a full-service commercial banking office in Ontario, Canada. M&T Bank Corporation, established in 1856, has its corporate headquarters situated in Buffalo, New York.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
VENTE TOTALE: 20 019 titres (~4 792 603,64 $ US)
- Insiders
- JONES RENE FSeseri Rudina
- Total bought
-
—
Avg buy (VWAP, 90d window) —
- Total sold
-
$5,755,205
Avg sell (VWAP, 90d window) $238.89 vs last close $221.80 (-7.2%)
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
$4,642,433 of that total is under a Rule 10b5-1 plan. It is shown here and left out of the score.
- Last activity
- 2026-09-14
- Liquidity
- Liquid $234,417,836/day · 20d vol
- Last synced
-
2026-10-26 21:10:42
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-10-16 | PEARSON KEVIN J | Sell · S | 2,000 | $220.75 | $441,500 | Form 4 |
| 2026-09-14 | JONES RENE F | Sell · S · 10b5-1 | 19,396 | $239.35 | $4,642,433 | Form 4 |
| 2026-08-21 | Seseri Rudina | Sell · S | 623 | $241.04 | $150,171 | Form 4 |
| 2026-08-17 | Taylor John R. | Sell · S | 1,217 | $253.84 | $308,923 | Form 4 |
| 2026-08-03 | Ledgett Richard H. Jr. | Sell · S | 855 | $248.16 | $212,178 | Form 4 |
Sales marked 10b5-1 are scheduled in advance and don't count toward the Quorum score. Les ventes marquées 10b5-1 sont planifiées à l'avance et ne pèsent pas dans le score Quorum.
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Recent trades
| Date | Representative | Type | Amount |
|---|---|---|---|
| 2026-01-29 | Ro Khanna | Sale | $1,001 - $15,000 |
| 2025-11-18 | Gilbert Cisneros | Purchase | $1,001 - $15,000 |
| 2025-10-29 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2025-10-29 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2025-10-29 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2025-10-28 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2025-09-23 | Val Hoyle | Sale (Full) | $1,001 - $15,000 |
| 2024-11-15 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2024-10-29 | Val Hoyle | Purchase | $1,001 - $15,000 |
| 2024-09-09 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2023-10-31 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2023-09-08 | Lois Frankel | Sale (Full) | $1,001 - $15,000 |
| 2023-07-12 | Daniel Goldman | Sale (Full) | $50,001 - $100,000 |
| 2023-05-19 | Ro Khanna | Sale | $15,001 - $50,000 |
| 2023-04-10 | Daniel Goldman | Purchase | $1,001 - $15,000 |
| 2023-03-24 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2023-03-14 | Ro Khanna | Purchase | $15,001 - $50,000 |
| 2023-03-06 | Daniel Goldman | Purchase | $1,001 - $15,000 |
| 2023-01-31 | Daniel Goldman | Purchase | $15,001 - $50,000 |
| 2023-01-11 | Ro Khanna | Sale | $1,001 - $15,000 |
| 2023-01-09 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2022-11-03 | Ro Khanna | Sale | $1,001 - $15,000 |
| 2022-11-02 | Ro Khanna | Sale | $1,001 - $15,000 |
| 2022-09-29 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2022-07-19 | Ro Khanna | Sale | $1,001 - $15,000 |
| 2022-06-16 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2022-05-10 | Ro Khanna | Sale | $1,001 - $15,000 |
| 2022-04-21 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2022-04-11 | Ro Khanna | Sale | $1,001 - $15,000 |
| 2022-01-11 | Lois Frankel | Purchase | $1,001 - $15,000 |
| 2021-01-04 | Chris Jacobs | Sale (Full) | $1,001 - $15,000 |
| 2020-09-08 | Chris Jacobs | Sale (Partial) | $15,001 - $50,000 |
| 2020-04-02 | Dean Phillips | Purchase | $1,001 - $15,000 |
| 2020-02-20 | Mikie Sherrill | Sale (Full) | $1,001 - $15,000 |
| 2020-01-27 | Mikie Sherrill | Purchase | $1,001 - $15,000 |
| 2019-12-18 | Mikie Sherrill | Sale (Full) | $1,001 - $15,000 |
Signal
Bearish signalScored 2026-10-21 Drivers: trend, fundamentals. Moteurs : tendance, fondamentaux.
MTB presents a deeply concerning risk profile: an extremely low current ratio (below 0.4) combined with an interest coverage ratio barely above 1.0 leaves virtually no buffer against operational headwinds.
The first sentence of the analysis written for MTB on 2026-10-21 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Pulls against a bullish reading. Selling cluster — sale value, no purchase value
- Narrative Pulls against a bullish reading. Stored narrative reading is in the bearish band
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Timing Pulls against a bullish reading. Interesting trend — weekly bias down
- Financial indicators Unavailable or mixed. Current ratio 0.32 · operating margin 30% — readings disagree
Suggested stop 216.47, nearest stored support minus 0.5 ATR(2.4% under the last close). Reward/risk to the next stored resistance is 0.31. Wait — that reward/risk is under 2. Research, not advice. Not an order.
Recent news
- 2026-10-19 These Analysts Cut Their Forecasts On M&T Bank Following Upbeat Q3 Results M&T Bank (NYSE:MTB) reported better-than-expected earnings for the third quarter on Friday.
- 2026-10-19 M&T Bank: 3 Key Takeaways for Long-Term Investors Year-to-date net operating earnings per share increased 17% year over year. Management transferred $8.3 billion of mortgage-backed securities to held to maturity.
- 2026-10-17 M&T Bank: Upside Case Remains Intact After Q3 M&T Bank is upgraded from ''Hold'' to ''Buy'' due to strong earnings momentum and a favorable rising-rate environment. MTB delivered double-digit net interest income growth and beat Q3 top and bottom line estimates, supported by expanding fee-based operations. The bank''s book value rose 5% year-over-year, with shares trading at a 1.45x P/B ratio, aligning with peers and industry averages.
- 2026-10-16 M&T Bank Q3 Earnings Beat on Higher NII, Stock Dips on Cost Woes MTB beat Q3''26 earnings estimates on higher NII and loan growth, but rising expenses, lower fee income and declining deposits weigh on shares.
- 2026-10-16 M&T Bank Corporation (MTB) Q3 2026 Earnings Call Transcript M&T Bank Corporation (MTB) Q3 2026 Earnings Call Transcript
- 2026-10-16 First Week of Q3 Earnings in the Books The Dow looks to close higher for its second-straight week, while the Nasdaq hopes to avoid its worst trading week since July.
- 2026-10-16 Consider M&T Bank As It Holds Up In A Tough Operating Environment M&T Bank Corporation delivered a solid Q3, with revenue of $2.54 billion and EPS of $5.04, both beating consensus. MTB demonstrated healthy balance sheet momentum, with average deposits up to $166.8 billion and average loans rising 2% sequentially. Net interest margin held firm at 3.65%, and asset quality improved, with nonaccrual loans dropping to 0.90% of total loans.
- 2026-10-16 What M&T Bank (MTB) Said on Its Q3 Earnings Call M&T Bank NYSE: MTB reported third-quarter 2026 net income of $775 million, or $5.04 per diluted share on a GAAP basis, compared with $818 million, or $5.32 per share, in the prior quarter. Net operating income totaled $780 million, or $5.08 per diluted share, versus $823 million, or $5.35 per share, in the linked quarter.
- 2026-10-16 M&T Bank (MTB) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates Although the revenue and EPS for M&T Bank (MTB) give a sense of how its business performed in the quarter ended September 2026, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.
- 2026-10-16 M&T Bank: Resilient Credit And Capital Make Shares Attractive (Upgrade) M&T Bank Corporation is upgraded to a Buy after a recent pullback and solid Q3 results, despite ongoing margin pressures. MTB''s credit quality remains resilient, with net charge-offs at 35bps and adequate reserves covering nonaccruals 1.7x. Deposit growth accelerated, but rising funding costs and persistent AI-driven cash sorting fears are expected to limit near-term valuation.
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 74.6% | 64.3% | 70.0% | 88.8% | 99.4% | |
| Ebit Margin | 30.0% | 24.7% | 28.9% | 31.0% | 40.4% | |
| Ebitda Margin | 34.0% | 28.5% | 32.9% | 36.1% | 45.7% | |
| Operating Profit Margin | 30.0% | 24.7% | 28.9% | 31.0% | 40.4% | |
| Pretax Profit Margin | 30.0% | 24.7% | 28.9% | 31.0% | 40.4% | |
| Continuous Operations Profit Margin | 23.2% | 19.3% | 21.9% | 23.6% | 30.6% | |
| Net Profit Margin | 23.2% | 19.3% | 21.9% | 23.6% | 30.6% | |
| Bottom Line Profit Margin | 22.3% | 18.3% | 21.1% | 22.4% | 29.2% | |
| Current Ratio | 0.320 | 0.218 | 0.249 | 0.233 | 0.361 | |
| Quick Ratio | 0.320 | 0.218 | 0.249 | 0.233 | 0.361 | |
| Solvency Ratio | 0.018 | 0.017 | 0.018 | 0.014 | 0.016 | |
| Cash Ratio | 0.108 | 0.128 | 0.172 | 0.154 | 0.323 | |
| Price To Earnings Ratio | 11.852 | 12.781 | 8.649 | 12.516 | 11.121 | |
| Price To Earnings Growth Ratio | 0.761 | -1.777 | 0.235 | -0.779 | 0.286 | |
| Forward Price To Earnings Growth Ratio | 0.761 | -1.777 | 0.235 | -0.779 | 0.286 | |
| Price To Earnings Diluted Ratio | 11.852 | 12.842 | 8.681 | 12.581 | 11.129 | |
| Price To Earnings Diluted Growth Ratio | 0.735 | -1.763 | 0.235 | -0.765 | 0.287 | |
| Price To Book Ratio | 1.081 | 1.078 | 0.846 | 0.935 | 1.104 | |
| Price To Sales Ratio | 2.563 | 2.335 | 1.823 | 2.805 | 3.252 | |
| Price To Free Cash Flow Ratio | 11.029 | 9.222 | 6.250 | 5.430 | 7.702 | |
| Price To Operating Cash Flow Ratio | 10.504 | 8.670 | 5.840 | 5.175 | 7.279 | |
| Debt To Assets Ratio | 0.061 | 0.066 | 0.065 | 0.037 | 0.023 | |
| Debt To Equity Ratio | 0.448 | 0.471 | 0.501 | 0.297 | 0.197 | |
| Debt To Capital Ratio | 0.309 | 0.320 | 0.334 | 0.229 | 0.165 | |
| Long Term Debt To Capital Ratio | 0.272 | 0.303 | 0.233 | 0.135 | 0.163 | |
| Financial Leverage Ratio | 7.318 | 7.169 | 7.726 | 7.928 | 8.664 | |
| Working Capital Turnover Ratio | -0.101 | -0.104 | -0.096 | -0.078 | -0.069 | |
| Operating Cash Flow Ratio | 0.017 | 0.022 | 0.023 | 0.027 | 0.020 | |
| Operating Cash Flow Sales Ratio | 0.244 | 0.269 | 0.312 | 0.542 | 0.447 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.952 | 0.940 | 0.934 | 0.953 | 0.945 | |
| Debt Service Coverage Ratio | 0.589 | 0.592 | 0.384 | 0.610 | 13.555 | |
| Interest Coverage Ratio | 1.044 | 0.793 | 1.164 | 6.146 | 21.535 | |
| Short Term Operating Cash Flow Coverage Ratio | 1.397 | 3.406 | 0.735 | 1.287 | 57.709 | |
| Operating Cash Flow Coverage Ratio | 0.230 | 0.264 | 0.289 | 0.608 | 0.769 | |
| Capital Expenditure Coverage Ratio | 21.000 | 16.713 | 15.254 | 21.373 | 18.221 | |
| Dividend Paid And Capex Coverage Ratio | 2.528 | 2.890 | 3.190 | 4.177 | 3.406 | |
| Dividend Payout Ratio | 0.367 | 0.399 | 0.353 | 0.442 | 0.349 | |
| Enterprise Value Multiple | 6.165 | 6.334 | 1.584 | 1.547 | -7.167 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 74.6% | ▲10.3% | ▼-4.8% |
| Ebit Margin | 30.0% | ▲5.3% | ▼-1.0% |
| Ebitda Margin | 34.0% | ▲5.6% | ▼-1.4% |
| Operating Profit Margin | 30.0% | ▲5.3% | ▼-1.0% |
| Pretax Profit Margin | 30.0% | ▲5.3% | ▼-1.0% |
| Continuous Operations Profit Margin | 23.2% | ▲3.9% | ▼-0.6% |
| Net Profit Margin | 23.2% | ▲3.9% | ▼-0.6% |
| Bottom Line Profit Margin | 22.2% | ▲4.0% | ▼-0.4% |
| Current Ratio | 0.320 | ▲0.102 | ▲0.043 |
| Quick Ratio | 0.320 | ▲0.102 | ▲0.043 |
| Solvency Ratio | 0.018 | ▲0.001 | ▲0.002 |
| Cash Ratio | 0.108 | ▼-0.020 | ▼-0.069 |
| Price To Earnings Ratio | 11.852 | ▼-0.929 | ▲0.468 |
| Price To Earnings Growth Ratio | 0.761 | ▲2.538 | ▲1.016 |
| Forward Price To Earnings Growth Ratio | 0.761 | ▲2.538 | ▲1.016 |
| Price To Earnings Diluted Ratio | 11.852 | ▼-0.990 | ▲0.435 |
| Price To Earnings Diluted Growth Ratio | 0.735 | ▲2.498 | ▲0.990 |
| Price To Book Ratio | 1.081 | ▲0.003 | ▲0.072 |
| Price To Sales Ratio | 2.562 | ▲0.228 | ▲0.007 |
| Price To Free Cash Flow Ratio | 11.029 | ▲1.807 | ▲3.102 |
| Price To Operating Cash Flow Ratio | 10.504 | ▲1.833 | ▲3.010 |
| Debt To Assets Ratio | 0.061 | ▼-0.004 | ▲0.011 |
| Debt To Equity Ratio | 0.448 | ▼-0.023 | ▲0.065 |
| Debt To Capital Ratio | 0.309 | ▼-0.011 | ▲0.038 |
| Long Term Debt To Capital Ratio | 0.272 | ▼-0.031 | ▲0.051 |
| Financial Leverage Ratio | 7.318 | ▲0.148 | ▼-0.443 |
| Working Capital Turnover Ratio | -0.101 | ▲0.004 | ▼-0.011 |
| Operating Cash Flow Ratio | 0.017 | ▼-0.005 | ▼-0.004 |
| Operating Cash Flow Sales Ratio | 0.244 | ▼-0.025 | ▼-0.119 |
| Free Cash Flow Operating Cash Flow Ratio | 0.952 | ▲0.012 | ▲0.007 |
| Debt Service Coverage Ratio | 0.589 | ▼-0.003 | ▼-2.557 |
| Interest Coverage Ratio | 1.044 | ▲0.251 | ▼-5.093 |
| Short Term Operating Cash Flow Coverage Ratio | 1.397 | ▼-2.008 | ▼-11.509 |
| Operating Cash Flow Coverage Ratio | 0.230 | ▼-0.034 | ▼-0.202 |
| Capital Expenditure Coverage Ratio | 21.000 | ▲4.287 | ▲2.488 |
| Dividend Paid And Capex Coverage Ratio | 2.528 | ▼-0.362 | ▼-0.711 |
| Dividend Payout Ratio | 0.366 | ▼-0.033 | ▼-0.015 |
| Enterprise Value Multiple | 6.165 | ▼-0.168 | ▲4.473 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $31.54B | $31.30B | $22.80B | $23.67B | $19.76B | |
| Enterprise value | $25.83B | $24.18B | $6.52B | $4.71B | -$19.92B | |
| EV / Sales | 2.10x | 1.80x | 0.52x | 0.56x | -3.28x | |
| EV / Op. cash flow | 8.60x | 6.70x | 1.67x | 1.03x | -7.34x | |
| EV / Free cash flow | 9.03x | 7.12x | 1.79x | 1.08x | -7.76x | |
| EV / EBITDA | 6.17x | 6.33x | 1.58x | 1.55x | -7.17x | |
| Net debt / EBITDA | -1.36x | -1.86x | -3.96x | -6.22x | -14.28x | |
| Current ratio | 0.32x | 0.22x | 0.25x | 0.23x | 0.36x | |
| Income quality | 1.05x | 1.40x | 1.43x | 2.30x | 1.46x | |
| Graham number | $276 | $247 | $245 | $206 | $213 | |
| Graham net-net | -$823 | -$864 | -$835 | -$835 | -$693 | |
| Tax burden | 77.2% | 78.2% | 75.7% | 76.3% | 75.7% | |
| Interest burden | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | -$118.00B | -$126.83B | -$129.95B | -$131.52B | -$85.41B | |
| Invested capital | -$109.47B | -$116.56B | -$119.59B | -$121.17B | -$79.66B | |
| Return on assets | 1.3% | 1.2% | 1.3% | 1.0% | 1.2% | |
| Operating ROA | 1.8% | 1.6% | 1.8% | 1.5% | 1.6% | |
| Return on tangible assets | 1.4% | 1.3% | 1.4% | 1.0% | 1.2% | |
| Return on equity | 9.8% | 8.9% | 10.2% | 7.9% | 10.4% | |
| Return on invested capital | 6.8% | 5.5% | 6.8% | 6.1% | 8.7% | |
| Return on capital employed | 9.2% | 7.2% | 10.3% | 8.9% | 11.5% | |
| Earnings yield | 9.0% | 8.3% | 12.0% | 8.4% | 9.4% | |
| Free cash flow yield | 9.1% | 10.8% | 16.0% | 18.4% | 13.0% | |
| Capex / Op. cash flow | 4.8% | 6.0% | 6.6% | 4.7% | 5.5% | |
| Capex / Depreciation | 28.7% | 42.5% | 51.5% | 49.2% | 46.0% | |
| Capex / Sales | 1.2% | 1.6% | 2.0% | 2.5% | 2.5% | |
| SG&A / Sales | 26.3% | 25.2% | 25.8% | 35.2% | 35.9% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 1.1% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Intangibles / Total assets | 4.0% | 4.1% | 4.1% | 4.3% | 3.0% | |
| Days sales outstanding | 0d | 0d | 82d | 112d | 66d | |
| Days payables outstanding | 0d | 0d | 439d | 1696d | 19915d | |
| Operating cycle | 0d | 0d | 82d | 112d | 66d | |
| Cash conversion cycle | 0d | 0d | -357d | -1584d | -19849d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years