MTB
M&T Bank CorporationEvidence as of 2026-09-03Overview · M&T Bank Corporation
M&T Bank Corporation operates as a bank holding company for Manufacturers and Traders Trust Company and Wilmington Trust, National Association that offer retail and commercial banking products and services in the United States. The company's Business Banking segment offers deposit, lending, cash management, and other financial services to small businesses and professionals. Its Commercial Banking segment provides dep…
Management team
- Ms. Laura P. O'Hara J.D. · Senior EVP & Chief Legal OfficerFind on LinkedIn
- Ms. Tracy S. Woodrow · Senior EVP & Chief Administrative OfficerFind on LinkedIn
- Mr. Michael A. Wisler · Senior VP & Chief Information OfficerFind on LinkedIn
- Mr. Christopher E. Kay J.D. · Senior EVP & Head of Enterprise PlatformsFind on LinkedIn
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Links open LinkedIn searches, not verified profiles. Team data from our market-data vendor's company profile.
Moneyta sentiment
Where the published evidence leans after the desk debated it — not a rating or a recommendation.
+0.4 on a −2 to +2 scale.
What builds the score
Solid bars are analyst rubric scores; faded bars are computed directly from data. Claims dropped in debate count for nothing; weakened claims count at half weight.
Editor's note
Written after the debate settled — the rest of the page is the evidence behind it.
The desk’s surviving facts show steady quarterly revenues of $397,000,000 in the fiscal quarter ended 2025-05-01 (Q1 2025), $417,000,000 in the fiscal quarter ended 2025-07-31 (Q2 2025), $423,000,000 in the fiscal quarter ended 2025-10-23 (Q3 2025), $418,000,000 in the fiscal quarter ended 2026-04-30 (Q1 2026) and $442,000,000 in the fiscal quarter ended 2026-07-31 (Q2 2026). Diluted EPS and reported net income moved in parallel: EPS of 3.32, 4.24, 4.82, 4.13 and 5.32 across those same five quarters, and net income of $584,000,000, $716,000,000, $792,000,000, $664,000,000 and $818,000,000 respectively, though the net‑income claim was marked weakened in debate.
Share count and capital actions show a clear reduction in diluted shares outstanding from 165,047,000 in the quarter ended 2025-05-01 to 146,758,000 in the quarter ended 2026-07-31, with repurchases reported at $656,000,000 in the quarter ended 2025-05-01 and $1,238,000,000 in the quarter ended 2026-04-30. The snapshot valuation uses a share price of 235.48 as of 2026-09-02, a TTM P/E of 12.72, TTM EPS of 18.51, market cap of 34,007,141,376 and enterprise value of 46,154,253,376; reported cash is $1,420,888,000 and long‑term debt is 13,568,000,000 as of 2026-06-30.
How this note was made
every stage ran before the note was writtenAnalyst desk
Mercer, Oakes, Nash, Ellis, Yates, Talbot and Archer. The desk: named AI agents, not people. Each reads one slice of the evidence and nothing else — no outside knowledge, no browsing — so every finding traces to a source you can open.
Reads the XBRL figures companies file with the SEC — revenue, margins, income, debt and share count, quarter by quarter — and reports which way the trend is running.
Revenue was $397,000,000 in fiscal Q1 2025 (2025-01-01 to 2025-03-31, 3mo), $417,000,000 in fiscal Q2 2025 (2025-04-01 to 2025-06-30, 3mo), $423,000,000 in fiscal Q3 2025 (2025-07-01 to 2025-09-30, 3mo), $418,000,000 in fiscal Q1 2026 (2026-01-01 to 2026-03-31, 3mo) and $442,000,000 in fiscal Q2 2026 (2026-04-01 to 2026-06-30, 3mo).
XBRL companyfacts · 0001628280-25-022036Net income was $584,000,000 in fiscal Q1 2025 (2025-01-01 to 2025-03-31, 3mo), $716,000,000 in fiscal Q2 2025 (2025-04-01 to 2025-06-30, 3mo), $792,000,000 in fiscal Q3 2025 (2025-07-01 to 2025-09-30, 3mo), $664,000,000 in fiscal Q1 2026 (2026-01-01 to 2026-03-31, 3mo) and $818,000,000 in fiscal Q2 2026 (2026-04-01 to 2026-06-30, 3mo).
XBRL companyfacts · 0001628280-25-022036weakened in debateReads the filings themselves, above all the year-over-year diff of Item 1A risk factors: which risks a company added, dropped or quietly reworded since its last annual report.
Nothing in this slice of the evidence rose to a claim — a quiet read, which itself is information.
Which filings the desk reads
The desk reads the annual 10-K in full — its risk factors, and how they changed since last year. Quarterly 10-Qs and event filings (8-Ks, insider Form 4s) are listed for context but not read line by line: the 10-K is where the material risk disclosures live. A brand-new company, or one we have only just begun tracking, may have no annual report on file yet — its risk analysis fills in once that lands.
Reads the signal panel above — momentum, volatility, drawdown, relative strength and beta — and ranks each against the whole research universe rather than judging it in isolation.
No computed signal history for this symbol yet — signals need roughly 70 trading days of price history.
Reads which funds hold the name and at what weight, plus insider Form 4 filings, to show the exposure you may already carry through index funds.
As of 2026-09-02T13:45:47.228469+00:00, M&T Bank Corporation (MTB) had a reported weight of 0.05% of the iShares Core S&P 500 ETF (IVV) fund.
ETF constituents · market dataA 0.05% weight represents a small single-issuer position within IVV relative to the whole fund, so IVV’s passive exposure to MTB is limited in scale.
ETF constituents · market dataReads recent headlines that are genuinely about this company, ignoring rating chatter and market-wide stories. Findings argue in the debate but never move the sentiment score.
A positive headline — 'M&T Bank Corporation (MTB) Could Be a Great Choice' — was published on 31 August 2026 on zacks.com, indicating favorable coverage framing in that outlet.
News · zacks.com · 2026-08-31The same-titled positive piece appeared on finance.yahoo.com on 31 August 2026 and explicitly frames dividends as a key shareholder benefit when discussing M&T Bank.
News · finance.yahoo.com · 2026-08-31Reads parsed Forms 3/4/5 — who bought or sold, at what size, and whether a 10b5-1 plan was involved. Flags clustered open-market officer buying; treats plan sales as routine and never counts a fund or 10%-holder as an officer.
No insider transactions on file in the trailing 180 days.
Reads the implied-expectations math built from the company's own filings (the growth rate today's price would justify, and the multiples beside it) and argues whether the market's bar looks high or low for this business. Never turns the math into a target.
The share price used is 235.48 as of 2026-09-02.
Valuation inputs · SEC XBRL + stored EOD closeTrailing twelve-month price-to-earnings (P/E TTM) is 12.72 and trailing twelve-month EPS is 18.51.
Valuation inputs · SEC XBRL + stored EOD closeDebate and risk review
A bull and a bear contest the claims and the chair rules on each; the risk review stress-tests what survived.
A bull and a bear argue the analysts' claims across two rounds, then a chair rules on each one. Only what survives feeds the score — the argument is shown, not hidden, so you can judge the reasoning yourself.
Multiple company-reported fundamentals together form a coherent favorable read: revenue and net income show sequentially higher quarterly outcomes into 2026, diluted EPS rose alongside falling diluted share counts, and the company reported large share repurchases. Trailing P/E of 12.72 with TTM EPS of 18.51 and solid operating cash flow (OCF TTM $2.683B) strengthen the interpretation that earnings power is supporting valuation and capital returns. The most common bearish counterpoint — headline debt balances — is mitigated in the evidence set by strong OCF and recurring high net income that can service obligations, and by active capital deployment into buybacks that decreased share count materially. Coverage from multiple outlets and some buy-side analyst support add secondary corroboration that market participants are paying attention to these fundamentals. Evidence strength: the sequential financials, EPS/share-count change, buyback and OCF figures are direct, high-strength company filings; valuation multiples and news citations are medium-strength corroborating evidence; a raw point-in-time debt balance is factual but limited when taken without cash flow context.
Chair's verdict, claim by claim
Fragility · computed, not argued
balanced0.47
18 surviving claims rest on 5 distinct sources; the heaviest analyst carries 33% of them, and 97% of what the desk raised survived the debate.
The evidence base is moderately concentrated: 18 surviving claims come from only five distinct sources and one analyst contributes about a third of those claims, so a single contributor or source error could meaningfully shift the read. The very high survival rate through debate (97%) raises the apparent robustness of these claims, but given source concentration and analyst dependence the conclusions should be treated as informational snapshots rather than strong, independent confirmations.
Disconfirming evidence · base rates · falsifiers
Context
Outside consensus, and where this name already sits in your own portfolio.
Third-party consensus shown for context. It never enters Moneyta sentiment — when the two diverge, the debate above is where the why lives.
What this was built from
Every figure on this page traces to one of these. The desk reads only what is listed here — no outside knowledge, no browsing — and each card shows who read it and what it contributed to the score.
15 filings· 1 cited
SEC XBRL filings
Quarterly figures as filed with the SEC, read straight from EDGAR's structured data — not retyped or estimated.
Read by Mercer+0.8 to the score
1 holdings record
Fund holdings
Which funds hold this name and at what weight, plus insider Form 4 filings.
Read by Ellis+0.0 to the score
2 headlines
News coverage
Recent headlines about this company, rating chatter excluded and nothing published after the report date.
Read by Yatesnothing survived
1 computation
Valuation inputs
TTM cash-flow figures from the company's own XBRL filings, priced with the stored closing price. Implied growth and multiples only; no fair-value dollar figure reaches the desk, by design.
Read by Archercontext only
1 record· 0 cited
Company profile
Sector, industry and company details.
1 record· 0 cited
Analyst consensus
Third-party consensus, shown for context only — it never enters Moneyta sentiment.
Read means we pulled and handed it to an analyst; cited means a claim on this page points at it. Reading twelve quarters to state one trend is normal — the gap is shown rather than hidden.
Written by AI, checked against sources
The analysts, the bull–bear debate and the editor's note are AI agents reading only the evidence listed on this page. They can misread a filing or a headline, which is why every claim cites a source you can open and check yourself. The sentiment score is arithmetic over the claims that survived the debate, not a language model's opinion.
Educational analysis of published data. Moneyta does not give investment advice or make recommendations. Past patterns do not indicate future results.
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The full terminal on MTB Gold
Who holds it, who's buying, what the Street thinks: live behind the lock, updated as filings land.
Institutional holders
Net institutional flow, Q/Q
Largest holder position
Insider buys, 90 days
Clustered insider value
Street target range
The real figures are for members. Educational analysis, not advice.
Educational analysis of published data. Moneyta does not give investment advice or make recommendations.