Insider buying last 90 days
No open-market insider purchases were filed for MTB in the last 90 days.
From Form 4 filings, dated to when each was filed.
Every MTB insider filing, plotted on the chart in Gekko.Open MTB in Gekko
NYSE: MTB
M&T Bank (MTB) Stock Analysis & Forecast
$227.31+0.95 (+0.4%)
Close on Sep 18, 2026. Page updated Sep 19, 9:16 pm ET.
Gekko Brief
AI summaryM&T Bank trades at $227.31, up 0.4%, sitting between its 50-day average of $244.07 and its 200-day average of $222.85. The GekkoIndex reads 72.8, placing the stock in the Buying zone, and price stands 9.2% below Gekko Fair Value of $250.47.
This week's news centers on the upcoming third-quarter release, with M&T confirming it will report before the market opens on 16 October 2026, followed by a call at 8:00 a.m. ET. CEO René Jones described broad-based loan demand in 2026 and pointed to strength in AI and fee-related businesses. Separately, M&T raised its prime lending rate from 6.75% to 7.00%, effective 17 September. Bank of America Corp DE trimmed its MTB stake by 17.7%, selling 284,003 shares while retaining 1.32 million shares valued at $315.3 million; coverage also noted the bank's prior quarterly earnings beat and a $1.50 per share dividend. CEO Rene F. Jones reported 10b5-1 transactions on 14 September, including option exercises and an open-market sale of 19,396 shares.
Earnings arrive on 16 October, 26 days out, inside a typical 20-day holding window; the last report produced a 5% reaction, with EPS beating estimates in 7 of the last 8 quarters. Seasonally, the next 20 trading days have averaged a 1.9% gain over 5 years, positive in 3 of them. Analyst coverage spans 16 firms, 5 rating it buy, with a consensus target of $260.08.
Written by AI and checked automatically against the figures on this page. Generated Sep 20, 2026 from the data above.
Price vs fair value
Close $227.31200-day averageGekko Fair Value $250.47
Key stats
- Market cap
- $32.94B
- P/E ratio
- 12
- Forward P/E
- 10.8
- EPS, TTM
- $18.92
- Revenue, TTM
- $9.45B
- Profit margin
- 32.1%
- Dividend yield
- 2.65%
- Beta
- 0.56
- Volume
- 2.13M avg 1.06M
- 1-year return
- +14.5%
- Typical daily move
- ±2.1%
- Typical 20-day move
- ±5.6%
- 50-day average
- $244.07
- 200-day average
- $222.85
- Next earnings
- Oct 16 before open
- Shares outstanding
- 144.4M
M&T Bank swing-trade checklist
M&T Bank scores 3 supportive, 1 mixed and 1 headwind across the 5 checklist items with data.
Six things swing traders check before a 20-day hold, read from the latest data.
3 supportive1 mixed1 headwind
- Trendmixed
Averages disagree
Close $227.31 sits between the 50-day ($244.07) and 200-day ($222.85) averages, or the averages disagree.
See the chart - GekkoIndexsupportive
72.8, Buying
Reading 72.8 is in the Buying zone.
See the GekkoIndex - Fair valuesupportive
9.2% below
Price is 9.2% below Gekko Fair Value (more than 5% below).
See fair value - Smart moneyno data
No data
No insider, Congress or unusual options activity in the window.
See smart money - Earnings riskheadwind
Reports in 26 days
Reports on Oct 16, 2026, 26 days away — inside a typical 20-trading-day hold.
See earnings - Seasonalitysupportive
+1.9% on average
From this point in the calendar, the next 20 trading days averaged +1.9% over 5 years, rising in 3 of them.
See seasonality
A description of current data, not a recommendation. How this page works
M&T Bank stock chart and price history
M&T Bank closed at $227.31 on Sep 18, 2026, +14.5% over the past year, inside a 52-week range of $174.76 to $255.95.
Close50-day average200-day averageVolume
Use the left and right arrow keys to read daily values.
Performance Breakdown
- 1 month
- −7.0%
- 3 months
- +1.0%
- 6 months
- +15.8%
- 1 year
- +14.5%
The full MTB chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open MTB in Gekko
Follow M&T Bank through every session
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About M&T Bank
M&T Bank operates as a bank holding company, offering financial services to both businesses and individual customers. It works with small businesses and professionals through deposit accounts, credit lines and treasury tools, while also serving larger corporate clients with commercial loans, leases, letters of credit and cash management services. It is also involved in commercial real estate lending, residential mortgage origination and servicing, and everyday consumer banking such as savings accounts, installment loans, credit cards, home equity products and investment options like mutual funds and annuities.
Beyond standard banking, M&T Bank provides trust and wealth management, fiduciary and custodial work, insurance brokerage, and institutional and investment management services. It also manages its own internal finances, including securities, borrowed funds and foreign exchange activity. Customers reach these services through branches, business banking centers, phone and online platforms, and ATMs, with locations spread across several states in the northeastern and mid-Atlantic United States, plus a commercial office in Ontario, Canada.
Founded in 1856, M&T Bank is headquartered in Buffalo, New York. Its shares are listed on the NYSE under the ticker MTB.
- Listed
- NYSE
- Sector
- Finance
- Industry
- Regional banks
- Website
- mtb.com
M&T Bank GekkoIndex: the smart money zone
M&T Bank’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 72.8, in the Buying zone, up 11.8 points over five sessions.
72.8Buying
Up 11.8 points over five sessions, from the Accumulation zone.
Reading for Sep 18, 2026
What followed past readings in each zone
| Zone | Readings | 5 days | 20 days |
|---|---|---|---|
| Buying (current zone) | 25 | +0.5% | +2.2% |
| Accumulation | 151 | +0.5% | +4.4% |
| Neutral | 423 | +0.6% | +1.6% |
| Distribution | 53 | +0.2% | 0.0% |
| Selling | 10 | −2.2% | −1.6% |
Average MTB share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Buying readings averaged +3.2% over 20 days. Past behaviour doesn’t guarantee future results.
Buying zone: Smart money likely accumulating heavily. About the five zones →
See every daily GekkoIndex reading plotted over the MTB price, zone by zone.Track MTB in Gekko
Is M&T Bank stock overvalued? Gekko Fair Value
M&T Bank trades 9.2% below Gekko Fair Value of $250.47, so the shares are undervalued on Gekko’s estimate.
Gekko’s own estimate of what M&T Bank shares are worth, recalculated every trading day.
$250.47
Gekko Fair Value, Sep 19, 2026
9.2% Undervalued
Gekko Fair Value on every chart, with the gap to price updating daily.Open MTB in Gekko
M&T Bank insider and Congress trading
No open-market insider purchases were filed for M&T Bank, and no Congress trades were disclosed, in the last 90 days.
Plus buybacks, unusual options and fund positions, each dated to when it became public.
Congress trades last 90 days
No trades in MTB were disclosed by members of Congress in the last 90 days.
From congressional disclosures, which report amounts as ranges.
Congress disclosures for MTB, plotted on the chart in Gekko.Open MTB in Gekko
Buybacks
M&T Bank has been buying back its own shares.
- Bought back, quarter ended Jun 30, 2026
- $460.0M
- As a share of market cap
- 1.40%
- Trailing four quarters
- $2.60B
From company filings.
Hedge funds and billionaires quarter ended Jun 30
1of the funds Gekko tracks holds MTB.
0added0opened1trimmed0sold out
Which funds are on each side, name by name.Unlock in Gekko
M&T Bank earnings: next date and track record
M&T Bank reports on Oct 16, 2026, before the open (26 days away), and beat the EPS estimate in 7 of its last 8 reports.
Next earnings report
Oct 16, 2026
Expected before the open, 26 days away
- EPS estimate
- $4.94
- Revenue estimate
- $2.53B
7 of 8reports beat the EPS estimate
±2.2%average move across the report
3 of 8reports followed by a gain
Share-price move across each report
Last earnings call, Jul 15, 2026 AI summary
- What they said
- MTB reported record diluted EPS of $5.32 in Q2 2026, up from $4.13 in Q1, with net income of $818M versus $664M prior quarter. ROA was 1.51% and ROTCE reached 18.57%. The quarter featured highest NII since 2023, record fee income, and strongest loan growth since 2012 (ex-acquisitions), with average loans rising $3B to $141.4B. Net interest margin held steady at 3.70%, and commercial criticized loans declined for the ninth consecutive quarter.
- Guidance
- No explicit forward-looking guidance was provided in this excerpt. Management highlighted sustained loan growth momentum, stable NIM at 3.70%, and continued asset quality improvement as ongoing operational priorities.
| Reported | EPS | Revenue | Move |
|---|---|---|---|
| Jul 15, 2026 | $5.35 est $4.66 | $2.53B est $2.46B | +5.0% |
| Apr 15, 2026 | $4.13 est $4.02 | $2.44B est $2.43B | −1.6% |
| Jan 16, 2026 | $4.67 est $4.47 | $2.48B est $2.47B | −0.4% |
| Oct 16, 2025 | $4.82 est $4.39 | $2.51B est $2.44B | −2.4% |
| Jul 16, 2025 | $4.24 est $4.01 | $2.40B est $2.39B | −0.9% |
| Apr 14, 2025 | $3.32 est $3.40 | $2.31B est $2.34B | +1.0% |
| Jan 16, 2025 | $3.77 est $3.74 | — | −2.0% |
| Oct 17, 2024 | $4.03 est $3.62 | — | +4.3% |
“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.
M&T Bank stock forecast and analyst price targets
Analysts’ average 12-month price target for M&T Bank is $260.08, +14.4% from the last close, from 16 firms rating the stock in the last 90 days.
$260.08consensus 12-month target, +14.4% from the last close
Now $227.31Avg $260.08
Low $224High $304
Each firm’s latest rating in the last 90 days: 16 firms.
Latest analyst actions
| Date | Firm | Target | vs price |
|---|---|---|---|
| Sep 17 | Barclays | $267 | +17.5% |
| Sep 8 | Morgan Stanley | $304 | +33.7% |
| Aug 19 | Cantor Fitzgerald | $285 | +25.4% |
| Aug 18 | Bank of America Securities | $262 | +15.3% |
| Aug 5 | Barclays | $267 | +17.5% |
+2.2%average 20-day move after past Buying readings
+1.9%average move over the next 20 trading days in the last 5 years
±2.1%typical daily move, from the 14-day average range
Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.
M&T Bank seasonality: the next 20 trading days
Over the next 20 trading days from Sep 19, M&T Bank averaged +1.9% across the last 5 years, rising in 3 of them.
Next 20 trading days, by year
Average move and hit rate
| Window | Average | Years higher |
|---|---|---|
| Next 5 trading days | +0.7% | 1 of 5 |
| Next 10 trading days | +0.5% | 1 of 5 |
| Next 15 trading days | +0.6% | 3 of 5 |
| Next 20 trading days | +1.9% | 3 of 5 |
| Next 30 trading days | −0.5% | 2 of 5 |
For scale, MTB’s typical 20-trading-day move in either direction is about 5.6%.
M&T Bank market cap and key statistics
M&T Bank’s market cap is $32.94B, with a P/E ratio of 12 and revenue of $9.45B over the last twelve months.
Valuation
- Market cap
- $32.94B
- P/E ratio
- 12
- Forward P/E
- 10.8
- EPS, TTM
- $18.92
- Gekko Fair Value
- $250.47
Trading
- Volume
- 2.13M
- Avg volume, 20 days
- 1.06M
- 52-week high
- $255.95
- 52-week low
- $174.76
- Shares outstanding
- 144.4M
Financials
- Revenue, TTM
- $9.45B
- Profit margin
- 32.1%
- Return on equity
- 10.7%
- Quarterly earnings growth, YoY
- +25.5%
Risk and income
- Beta
- 0.56
- Typical daily move
- ±2.1%
- Typical 20-day move
- ±5.6%
- Dividend yield
- 2.65%
M&T Bank stock news this week
Coverage of M&T Bank this week reads neutral: 2 positive, 3 neutral and 1 negative headlines.
- M&T Bank to Announce Q3 2026 Earnings ResultsIntellectia AI, Sep 18
- M&T Bank Corporation Announces Third Quarter 2026 Earnings Release and Conference CallPRNewsWire, Sep 18
- M&T Bank Sees Broad 2026 Loan Growth as AI and Fee Businesses Gain TractionMarketBeat, Sep 18
- Bank of America Corp DE Sells 284,003 Shares of M&T Bank Corporation $MTBMarketBeat, Sep 17
- M&T Bank raises prime lending rate to 7.00%Investing.com, Sep 16
- M&T Bank Corp (MTB) Shares Fall 4.0% -- GF Value Says Still OverGuruFocus, Sep 16
M&T Bank peers
M&T Bank’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.
| Stock | GekkoIndex zone | vs Fair Value |
|---|---|---|
| CMCanadian Imperial Bank of Commerce | Neutral | 3.3% below |
| USBU.S. Bancorp | Buying | 8.9% below |
| NUNu | Accumulation | 15.5% below |
| TFCTruist Financial | Buying | 8.0% below |
| FITBFifth Third Bancorp | Accumulation | 10.0% below |
| FCNCAFirst Citizens BancShares | Accumulation | 5.6% below |
A peer links to its own page where one exists.
M&T Bank stock FAQ
What is M&T Bank’s market cap?
M&T Bank’s market cap is $32.94B at the Sep 18, 2026 close of $227.31, with 144.4M shares outstanding. The shares trade on a P/E ratio of 12.
What is the M&T Bank stock forecast?
The consensus analyst 12-month price target for M&T Bank is $260.08, +14.4% from the last close. Of the 16 firms that rated the stock in the last 90 days, 5 rate it a buy, 10 a hold and 1 a sell. Gekko doesn’t publish price predictions of its own.
Is M&T Bank stock overvalued or undervalued?
On Gekko’s estimate M&T Bank is undervalued: the Sep 18, 2026 close of $227.31 is 9.2% below Gekko Fair Value of $250.47. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.
When does M&T Bank report earnings next?
M&T Bank is expected to report on Oct 16, 2026, before the market opens (26 days away). Analysts expect earnings of $4.94 per share on revenue of $2.53B. M&T Bank beat the earnings estimate in 7 of its last 8 reports, moving 2.2% on average across the report.
What is M&T Bank’s 52-week high and low?
M&T Bank’s 52-week high is $255.95 and its 52-week low is $174.76; it closed at $227.31 on Sep 18, 2026, +14.5% over the past year.
Is M&T Bank stock a buy right now?
Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 3 of the 5 items with data read as supportive (gekkoindex, fair value and seasonality), 1 as mixed (trend) and 1 as a headwind (earnings risk). The checklist is a description of current data, not a recommendation.
How this page works
Prices and signals update after every US market close; the GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →
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