M&T Bank Corporation (MTB)

FairStock Score: 61/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a bank, M&T's appeal is a steady, unspectacular franchise: retail and commercial banking plus wealth management, with 21,562 employees and a beta of 0.61 from FairStock's data, suggesting a less volatile stock. The filed figures show fiscal Q2 2026 (quarter ended 2026-06-30) revenue of $442.0M, net income of $818.0M, and diluted EPS of $5.32. For FY2025 it earned $2.9B, or $17.00 per diluted share, on $1.7B revenue, up from $14.64 diluted EPS in FY2024. Those are decent earnings, though the quarterly revenue line looks inconsistent with the annual figure, so I would not overread it. FairStock-calculated P/E of 11.72 and P/B of 1.27 at the 2026-10-26 close are modest for a bank with a 10.60% ROE and a Piotroski F-score of 7/9; PEG of 0.82 suggests growth is not expensive. The 2.71% dividend and 7/9 F-score support a sound-ish balance sheet, but banks are leveraged businesses and the data lacks CET1, net interest margin, and credit-loss detail. The computed Lynch category is STALWART, based on 16.1% annual profit growth over five years but revenue down 22.6%, which fits a steady compounder rather than a fast grower. The regional deposit franchise and wealth-management arm give it a modest moat, not a wide one. At 1.27 times book and about 12 times earnings, the price looks fair to modestly cheap if credit stays benign; the key risk is that unseen underwriting or margin pressure erodes the decent ROE.

In plain English: M&T Bank is a regional bank that takes deposits and makes loans to people and businesses, and also provides wealth-management services. It earns solid profits and has grown profit per share steadily, though revenue has declined over a longer stretch. At the recent price, the stock looks reasonably priced to slightly cheap compared with its profits and accounting value, but loan-loss risks are hard to judge from the information provided.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-26 close · note generated 2026-10-28 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer