Financial Performance
5Y price score: 108
The price score is a basic measure of the stock's performance against the S&P 500 Index over a five-year period.
A score of 100 indicates that the stock did as well as the S&P 500 Index.
A score below 100 means the stock underperformed the index, while a score above 100 means it outperformed the S&P 500.
10Y return: 155.1%
US$ Per
Share
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174.7
52-week range
255.6
Your model inputs
Your fair value & Margin of safety
To calculate fair value based on cost of capital and terminal growth assumptions above, please select free cash flow forecast.
Forecast:
Valuation
Free Cash Flow Yield
11.6 %
Dividend Yield TTM
2.4 %
Market cap $
$ 36,704
Price / Earnings TTM
13.4
Price / Book TTM
1.5
PEG TTM
0.8
Earnings growth and return
LTM
5YR
10YR
Total return (price & dividends)
34 %
99.2 %
155.1 %
Free cash flow per share growth
(9.9) %
281.1 %
51.3 %
Earnings per share growth
16.1 %
71 %
136.8 %
Founded: 1,856
Employees: 22,291
Business Summary:
Latest Earnings Call Takeaways
2026 Q2 (Jul 15, 2026)
1) Strategy & Leadership
- M&T Bank continues to focus on its purpose of making a difference in people's lives through strong relationships and local knowledge.
- The company has launched initiatives to strengthen Boston's innovation ecosystem and celebrated the fifth anniversary of its tech hub in Buffalo.
- M&T emphasizes disciplined execution and technology investment to enhance customer service and operational efficiency.
2) Financial & Segment Results
- Q2 2026 Highlights:
- Diluted GAAP EPS: $5.32 (up from $4.13 in Q1 2026)
- Net income: $818 million (compared to $664 million in Q1 2026)
- Return on Assets (ROA): 1.51%, Return on Common Equity (ROCE): 12.3%
- Net Interest Income (NII): $1.8 billion (up 2% from Q1 2026)
- Average loans increased by $3 billion to $141.4 billion, with notable growth in commercial lending.
- Non-interest income rose to $740 million, driven by increases in service charges and trust income.
3) Problems / Headwinds
- Average total deposits declined by $0.7 billion to $163.5 billion, with non-interest-bearing deposits decreasing due to lower institutional services.
- The company faces challenges in deposit growth, although there was a rebound towards the end of Q2 2026.
- The economic backdrop remains cautious, with inflation and geopolitical tensions impacting consumer spending.
4) Operational or Product Plans
- M&T plans to continue focusing on loan and deposit growth, expecting average loans to be in the range of $141 billion to $143 billion for the full year.
- The bank anticipates NII for the year to be between $7.2 billion and $7.35 billion, with a net interest margin (NIM) in the high 3.60% range.
- Investments in technology and cybersecurity are ongoing, with a focus on enhancing mortgage and treasury management services.
5) Guidance & Outlook / Investor Angle
- M&T expects continued loan growth, particularly in commercial real estate (CRE) and consumer portfolios, despite potential NIM compression.
- The CET1 ratio is projected to operate in the lower part of the 10%-10.5% range, with share buybacks being adjusted based on loan growth.
- The bank remains optimistic about its investment thesis, emphasizing strong credit performance and a disciplined approach to capital management.
Bottom line: M&T Bank's strong second-quarter performance, driven by robust loan growth and disciplined execution, positions it well for continued success despite economic headwinds. The focus on technology and community engagement further enhances its long-term value proposition for shareholders.
Annual Reports, Presentations And IR Contacts
Go to the websiteM&T Bank — Financial Overview, Stock Price, Market Cap
M&T Bank is a company. Founded in 1856. As of August 14, 2026, the company's market capitalization is $36704282250 with a current stock price of $253.25.