MTB

What does M&T Bank do?

M&T Bank Corporation is a bank holding company that provides commercial banking, retail banking, residential mortgage, and wealth management services. It serves small businesses, middle-market companies, commercial real estate clients, and individual consumers primarily across the northeastern United States.

Does MTB pay dividends?

Yes, M&T Bank pays a regular dividend. The company has a long history of returning capital to shareholders through dividends, consistent with its position as an established large-cap regional bank. Investors seeking income often include MTB in dividend-focused screening.

When does MTB report earnings?

M&T Bank reports earnings quarterly, in line with standard US-listed bank reporting schedules. For the exact date of the next earnings release, check M&T Bank's investor relations page or your brokerage's earnings calendar.

Is MTB a good stock to buy?

UQS Score rates MTB as Good overall. The bank shows Strong Quality and an Attractive Valuation, but Weak Moat and Weak Growth pillars temper the picture. Whether it suits your portfolio depends on your priorities — Pro members can access the full pillar breakdown to dig deeper.

Is MTB overvalued?

The UQS Valuation pillar for MTB is rated Attractive, suggesting the stock is not trading at a premium relative to its quality profile. That said, valuation is one of five pillars — the full context requires reviewing Quality, Growth, Moat, and Risk together.

How does MTB compare to its competitors?

MTB competes with regional and national banks including Fifth Third Bancorp and Citizens Financial Group in the US, as well as global peers like Shinhan Financial Group. MTB's northeastern focus and wealth management capabilities differentiate it, though its Weak Moat pillar suggests limited structural advantages over larger rivals.

What is MTB's market cap bracket?

M&T Bank is classified as a large-cap stock, placing it among the more substantial regional banking institutions in the United States by market value.

Who founded M&T Bank?

M&T Bank Corporation traces its origins to 1980 in Buffalo, New York. The company has grown significantly over the decades through organic expansion and acquisitions. Detailed founding history is publicly available through the company's official corporate profile.

Is MTB a long-term quality stock?

From a long-term quality perspective, MTB's Strong Quality pillar and Good Risk pillar suggest the bank is built on a relatively sound operational foundation. However, the Weak Growth and Weak Moat pillars indicate investors should weigh durability against limited competitive differentiation and expansion prospects.

What is the main competitive advantage of M&T Bank?

M&T Bank's competitive positioning leans on its deep regional relationships, diversified revenue across lending and fee-based services, and a disciplined risk culture. However, the UQS Moat pillar rates as Weak, suggesting these advantages may not constitute a durable structural moat relative to sector peers.

What sector does MTB belong to?

MTB belongs to the Financial Services sector, specifically operating as a regional bank holding company. Investors can explore other [Financial Services stocks](/sector/financial-services) on UQS Score to compare quality profiles across the sector.

M&T Bank Corporation demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.

M&T Bank Corporation faces growth headwinds with declining or stagnant revenue trends.

M&T Bank Corporation presents elevated risk with concerns around leverage or financial stability.

M&T Bank Corporation appears attractively valued relative to its earnings, cash flows, and sector peers.

M&T Bank Corporation operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for MTB.

The UQS (Unified Quality Score) for M&T Bank Corporation is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.

Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.

Moat (25%) assesses M&T Bank Corporation's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.

Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.

Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.

Valuation (15%) measures whether M&T Bank Corporation is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.

Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.