MTB

M&T BankB

NYSE / Banks

At close

2026-07-18

Current thesis

The earnings update strengthens the near-term thesis: loan growth accelerated, net interest income increased, credit metrics improved, and capital was returned through share repurchases. If these trends persist, MTB could modestly rerate.

Posture

Constructive

Lead driver

Value

What changed

Value remains the lead driver in the composite, 7D delta -0.1.

What can break

Commercial real estate loans increased $1.1 billion sequentially, leaving execution and credit-normalization risk despite improved current credit metrics.

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $255.00 · Bull $275.00 · Bear $225.00

Data freshness

Prices

As of 2026-07-18

Fundamentals

As of 2026-07-17 • Vendor: Data Vendor v1

Scores

As of 2026-07-18 • Model: HYBRID_IC_RP

AI Memo

As of 2026-07-16 • Model: RankAlpha Sentiment Codex

Investment thesis

As of 2026-07-18

Supporting evidence

What

Grade B · Constructive

Confidence Medium · Net Neutral

Target $251.36

Why

Momentum65 · Δ7d +0.9

Value53 · Δ7d -0.1

Sentiment53 · Δ7d +7.3

So what

Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Lead driver: Value · See fundamentals

Momentum

26% active weight

Current posture

7d trendFlat

Δ7d

+0.9

Δ21d

+3.1

Value

39% active weight

Current posture

7d trendFlat

Δ7d

-0.1

Δ21d

-2.5

Sentiment

34% active weight

Current posture

7d trendImproving

Δ7d

+7.3

Δ21d

+6.6

Why this grade

Composite grade B. Momentum 64.9 / Value 53.2 / Sentiment 52.8

Fundamentals (TTM)

As of 2026-07-17

Market Cap

$36.5B

Beta

0.59

Shares Out

146.45M

P/E (TTM)

12.9

P/S (TTM)

3.35

P/FCF (TTM)

10.93

Rev YoY

+1.5%

EPS YoY

+24.6%

Gross Margin

Op Margin

+37.5%

Net Debt

$12.01B

Current Ratio

0.31

As of 2026-07-18 • Updated nightlySource: Internal modelMethodology