M&T Bank (MTB.US) Price Target 2026/2027: 0% Upside + 2.5% Dividend

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M&T Bank 2026 Price Target

The average price target for M&T Bank is $260.08. This price target represents the analysts' view of the stock price over the next 12 months. The stock may be undervalued, because the price target is higher than the current price. The stock is 0% below the target, which can point to potential returns within the next 12 months if the analysts' view proves right. Also consider the stock's valuation ratios such as P/E, P/S and P/B, plus the technical analysis further down the page, for the full picture.

Is M&T Bank overvalued or undervalued?

M&T Bank is currently fairly valued with a gap of 0% relative to the price target.


The current price is $0.00, which places M&T Bank in the fairly valued category. The stock is considered undervalued when the price is below $234.07, and overvalued when the price exceeds $286.09.


The fair value range is defined as ±10% of the price target, because price targets are estimates rather than exact values. For M&T Bank, the fair value range lies between $234.07 and $286.09.


See the full price target analysis for M&T Bank →

Analyst Ratings for M&T Bank stock in 2026: Buy

21 analysts cover M&T Bank. The ratings are mixed, with 57.2% Buy, 38.1% Hold and 4.8% Sell.

Consensus: Buy (3.90/5)
Strong Buy
9 (42.9%)
Buy
3 (14.3%)
Hold
8 (38.1%)
Strong Sell
1 (4.8%)
Strong Sell Sell Hold Buy Strong Buy
3.90 out of 5 based on 21 analysts

About M&T Bank – Banks - Regional

M&T Bank Corporation operates as a bank holding company for Manufacturers and Traders Trust Company and Wilmington Trust, National Association that provides retail and commercial banking products and services in the United States. The company operates through three segments: Commercial Bank, Retail Bank, and Institutional Services and Wealth Management. It offers a range of credit products and banking services, such as commercial lending and leasing, letters of credits, deposit products, cash management services, commercial real estate loans, and credit facilities secured by various commercial real estate properties to middle-market and large commercial customers. The company also provides customers deposit products, including demand, savings and time accounts, and other services; automobile and recreational finance loans, home equity loans and lines of credit, credit cards, and other loan products, as well as residential mortgage and real estate loans; business loans, cash management, payroll, direct deposit, and merchant credit card services to consumers and small businesses through branch network, telephone banking, internet banking, and automated teller machines. In addition, it offers trustee, agency, investment management, and administrative services; personal trust, planning and advisory, fiduciary, asset management, family office, and other services; and investment products, including mutual funds and annuities, and other services for corporations and institutions, investment bankers, corporate tax, finance and legal executives, and other institutional clients. M&T Bank Corporation was founded in 1856 and is headquartered in Buffalo, New York. Read more about the company

Key Figures for M&T Bank

$ 34.6B Market cap
$ 9.5B Revenue
Banks - Regional Industry
12.69 P/E
3.66 P/S
1.36 P/B
United States Listed on exchange
mtb.com Website

What kind of stock is M&T Bank?

Dividend stock Growth stock Value stock Quality stock Momentum stock

M&T Bank is classified as a dividend stock and growth stock and value stock and quality stock and momentum stock. This means the stock combines several attractive traits, including a dividend of 2.5%, strong financial health (Piotroski 7/9), and strong price momentum.

Score Overview for M&T Bank

💰 Value Score 88/100 (Very High)
⭐ Quality Score 88/100 (Very High)
🚀 Momentum Score 72/100 (High)
📊 Total Score 82/100

⚠️ 1 red flag identified 1 critical

Our analysis has identified 1 potential risk factor in M&T Bank that investors should be aware of.

🚨 High debt: The debt-to-equity ratio is 617% – the company carries considerably more debt than equity, which raises the financial risk.

📈 Valuation

M&T Bank trades at a P/E ratio of 12.7, which is below the market average and can point to an attractive price. The forward P/E is 11.4 (10% lower), which suggests the market expects rising earnings. The P/S ratio is 3.7. The P/B ratio is 1.4. The PEG ratio is 1.46.

💵 Profitability & Growth

M&T Bank has a profit margin of 32.1% (excellent) and an operating margin of 45.1%. Return on equity (ROE) is 10.7% — solid return on equity. Return on assets (ROA) is 1.4%. The latest quarterly earnings grew 25.5% year over year — strong growth.

🏦 Financial Health

The Piotroski score is 7 out of 9 — good financial health. The debt-to-equity ratio (D/E) is 616.9% — high debt, which raises the risk.

🚀 Momentum & Short Interest

Short interest is 4.49%.

M&T Bank Dividend 2026: 2.5% Dividend Yield

Dividend Key Figures for M&T Bank in 2026

Dividend yield
2.51%
Payout ratio
31.6%
Healthy

When does M&T Bank pay a dividend in 2026?

Next dividend payment
September 30, 2026

How much does M&T Bank pay in dividends?

M&T Bank does not currently pay a dividend. This may be because the company reinvests its profits in growth, or because there is not enough profit for dividend payments. You can find more information about the dividend policy on the company's website.

Historical Dividend Payments for M&T Bank

No historical dividend payments are registered for this stock.

Ex-datePayment dateAmountCurrencyPeriod
No historical dividend payments available.

Insider Trading in M&T Bank 2026: The Signal Is negative

In 2026, insiders at M&T Bank have made 20 transactions, all of which were sales. On a net basis, insiders took 13,989,453 $ out of the stock. Active insiders include Seseri Rudina, Taylor John R., WALTERS KIRK W and others. In the short term (last 3 months), the insider signal is negative.

Short-Term Signal (3 months): Negative

Insiders have exclusively sold shares over the last 3 months.

Over the last 3 months: 0 purchases and 7 sales. A net 1,998,011 $ out of the stock.

Long-Term Signal (all transactions): Negative

Insiders have exclusively sold shares in the recent period. This can suggest management sees limited opportunity.

Across the last 20 transactions: 0 purchases and 20 sales. A net 13,989,453 $ out of the stock.

Latest sale: Seseri Rudina sold 623 shares at 241 $ each on 2026-08-21.

Who is selling: Seseri Rudina, Taylor John R., WALTERS KIRK W, Ledgett Richard H. Jr., Bible Daryl N. and others.

Latest Insider Trades in M&T Bank (2026)

The table shows the last 20 reported insider transactions in M&T Bank. Green rows are purchases, red rows are sales. The data is based on official filings.

Transaction date Name Type Number of shares Price per share ($) Total amount ($)
2026-08-21 Seseri Rudina Sell 623 241 150,174
2026-08-17 Taylor John R. Sell 1,217 254 308,923
2026-08-05 WALTERS KIRK W Sell 9 254 2,284
2026-08-03 Ledgett Richard H. Jr. Sell 855 248 212,177
2026-07-31 Bible Daryl N. Sell 3,043 246 749,460
2026-07-15 PEARSON KEVIN J Sell 2,000 242 484,000
2026-07-01 Woodrow Tracy S. Sell 376 242 90,992
2026-06-15 Taylor John R. Sell 269 233 62,739
2026-06-09 PEARSON KEVIN J Sell 10,062 227 2,281,055
2026-06-04 PEARSON KEVIN J Sell 2,000 220 440,000

Who is buying and selling M&T Bank shares in 2026?

The following insiders have sold shares: Seseri Rudina, Taylor John R., WALTERS KIRK W, Ledgett Richard H. Jr., Bible Daryl N. and others. In total, 13,989,453 $ was sold across 20 transactions. Insider trades are legal transactions in which executives and board members buy or sell shares of their own company. These transactions are reported to the SEC and are publicly available.

M&T Bank Short Selling 2026: 4.5% Sold Short

Moderate short interest: 4.5% of the free float
Short % of free float
4.5%
Assessment
Moderate short interest
Short squeeze risk
Low
Data source
SEC
Updated daily
The stock has a moderate share of short selling. Between 2-5% of the freely traded shares are sold short, which is within the normal range for most stocks.

Data is updated daily based on official filings with the SEC.
Short Interest Scale
0% 2% 5% 10% 20%+
Low Moderate High Very High Extreme
4.5%

When Does M&T Bank Report Earnings – Next Date: 10/16/2026

The next earnings report from M&T Bank is scheduled for October 16, 2026, before the market opens. This report covers the third quarter (Q3), which ended on September 30, 2026.



Technical Analysis of M&T Bank 2026 – Signal: Hold

Overall Technical Signal: Hold

Based on trend analysis (SMA50/SMA200) and MACD trend (positive/negative on a daily + weekly basis). Updated September 14, 2026.

Trend Analysis of M&T Bank Corporation

M&T Bank Corporation is in a short-term downtrend. The price of $239.83 is 0.1% below the 20-day average ($239.96). Medium term, the picture is negative: the price is 1.5% below the 50-day average ($243.51). Long term, the stock is 9.5% above the 200-day average ($219.04), which confirms a long-term uptrend.

Golden Cross: The 50-day average (243.51) is above the 200-day average (219.04), which is a classic bullish signal for M&T Bank Corporation.

Is M&T Bank Corporation overbought or oversold?

M&T Bank Corporation has an RSI of 48.7, right in the middle of the neutral zone. There is no clear buying or selling pressure.

MACD Analysis for M&T Bank Corporation

Daily MACD: MACD is negative (-1.565), which means the short-term trend is bearish (the 12-day EMA is below the 26-day EMA). MACD is above the signal line (-1.743) by 0.178, which suggests the negative momentum is fading – a potential trend reversal could be ahead.

Weekly MACD: MACD5 is positive (9.400), which indicates a broader bullish long-term trend. MACD5 is below the signal line (10.069) by 0.669, which suggests the long-term momentum is fading – the positive trend could come under pressure.

Overall MACD assessment: The daily and weekly MACD give conflicting signals. The long-term trend is bullish, but the short-term trend is bearish. Daily momentum is rising, though, which could suggest the pullback is over.

Risk Profile for M&T Bank Corporation

M&T Bank Corporation has an annual standard deviation of 21.5%, which classifies the stock as Conservative. Price swings are limited, and the stock suits conservative investors.

Overall Technical Conclusion for M&T Bank Corporation

Trend: Neutral/mixed.

MACD trend (zero line): Daily bearish (-1.565). Weekly bullish (9.400).

MACD momentum (signal): Daily rising. Weekly falling.

RSI: 48.7 – neutral.

Technical signal: Hold

The signals are mixed – trend and MACD point in different directions. Wait until MACD crosses the zero line in the direction of the trend before acting.

Frequently Asked Questions About M&T Bank stock in 2026

Should you buy M&T Bank stock now?
The technical signal for M&T Bank is currently NEUTRAL. M&T Bank trades at $0.00 as of 9/14/2026. The overall technical signal is: Hold. The technical analysis shows the following: MACD is negative (bearish trend) at -1.565 with rising momentum (signal: -1.743); RSI is at 48.7 (neutral zone). This is a technical observation based on current data, not investment advice.
What is the price target for M&T Bank stock?
There is currently no active analyst price target for M&T Bank.
Is M&T Bank a dividend stock?
Yes, M&T Bank is a dividend stock with a dividend yield of 2.51%. The payout ratio is 31.6%, which is considered sustainable. The next dividend payment is scheduled for 9/30/2026.
When does M&T Bank pay a dividend in 2026?
M&T Bank pays its next dividend on 9/30/2026. The dividend yield is 2.51%. The payout ratio of 31.6% points to a sustainable dividend with room to grow.
What is the risk of M&T Bank stock?
M&T Bank is rated as a stock in the risk category Conservative. the annual standard deviation is 21.5%, which classifies the stock as Conservative.
Is M&T Bank overvalued?
M&T Bank has the following valuation ratios: a P/E ratio of 12.7 (moderately valued), a P/S ratio of 3.7, a P/B ratio of 1.4.
Is M&T Bank overbought?
No, M&T Bank is not overbought. RSI is at 48.7 (neutral zone). The technical indicators show: RSI is at 48.7 (neutral zone between 30-70), which signals neither overbought nor oversold. In addition, MACD is negative, but momentum is rising (possible trend reversal).
When is the next M&T Bank earnings report?
M&T Bank reports its next earnings on October 16, 2026. The stock currently trades at $0.00. With a P/E ratio of 12.7, the market will be watching closely whether earnings meet expectations.
Is M&T Bank shorted?
Yes, M&T Bank is shorted with 4.5% of the free float sold short. This is a moderate level of short selling, within the normal range for most stocks. Data is updated daily based on official filings with the SEC.
Are insiders buying M&T Bank stock?
No, insiders are not buying M&T Bank shares – they are net sellers. Over the last 3 months, insiders have made 0 purchases and 7 sales. On a net basis, 1,998,011 $ worth of shares were sold. Across the last 20 reported transactions, the split is 0 purchases and 20 sales, with a net 13,989,453 $ sold. Active sellers include Seseri Rudina, Taylor John R., WALTERS KIRK W and others. Insider selling can have several explanations (e.g. planned 10b5-1 sales, portfolio diversification or taxes), but sustained selling by several insiders is worth watching closely.
Is M&T Bank a good stock?
Based on our total score, M&T Bank is rated as a fantastic stock with a total score of 83 out of 100. The stock scores exceptionally high on value, quality and momentum – it is among the best 17% in our database. The score is made up of Value: 88/100, Quality: 88/100, Momentum: 72/100. In addition: a dividend of 2.51%; technical signal: Hold. Whether M&T Bank is a good investment depends on your time horizon, risk profile and portfolio. This is a data-driven observation, not investment advice.
What is the outlook for M&T Bank stock?
The outlook for M&T Bank based on current data: the next earnings report is due on 10/16/2026, which can move the price; the P/E ratio is 12.7 (low – a possible value stock). Keep in mind that stock prices are affected by many factors, including earnings reports, the economy and market sentiment. Past returns are no guarantee of future returns.
Why is M&T Bank stock moving?
M&T Bank is moving right now. The technical indicators show: insiders have mostly been selling the stock recently. For the latest context, see our technical analysis, insider section and news overview above.
How high can M&T Bank go?
There is currently no active analyst price target for M&T Bank. Keep in mind that price targets are estimates, not guarantees. Actual price moves depend on earnings, market conditions and unexpected events.
How low can M&T Bank fall?
We lack enough history to give a specific floor for M&T Bank. Remember: past price swings are no guarantee for the future — a stock can fall further than the last 52 weeks suggest, especially on profit warnings, sector crises or a market crash. Use stop-loss orders and spread your portfolio to limit losses in single stocks.
What does M&T Bank do?
M&T Bank Corporation operates as a bank holding company for Manufacturers and Traders Trust Company and Wilmington Trust, National Association that provides retail and commercial banking products and services in the United States. The company operates through three segments: C... The company belongs to the Financial Services sector, more specifically the Banks - Regional industry, is headquartered in United States, and is traded on the USA Stocks. See the key figures, earnings history and price development above to evaluate M&T Bank as an investment.
Did M&T Bank raise or lower its guidance?
Over the last 60 days we have not registered a guidance raise or cut from M&T Bank. The company can still adjust its guidance at quarterly reports or between reports — see the earnings history and the news overview above.
Is M&T Bank making money or losing money?
Yes, M&T Bank is making money, not losing it. The company has a profit margin (the share of revenue left over as profit) of 32.1% — which is excellent. The operating margin (profit before interest and taxes) is 45.1%. At a P/E ratio of 12.7, you currently pay 12.7 dollars for every dollar of the company's annual earnings. A consistently profitable company is usually more resilient than growth stocks that are not yet making money.
Can M&T Bank go bankrupt?
Altman Z2 is not used for banks and financial companies — their balance sheet is built on debt (that is the business model), so the model would wrongly classify a healthy bank as distressed. For M&T Bank, look instead at the capital base (e.g. the core capital ratio), loan losses and earnings power.
Does M&T Bank have a lot of debt?
Yes, M&T Bank has elevated debt relative to equity. The debt-to-equity ratio (D/E — interest-bearing debt to equity) is 617%. For the financial services sector, anything above 400% counts as elevated — that raises the financial risk, especially if interest rates rise or earnings fall. Banks take in deposits (debt) as their raw material and lend it out — which naturally gives a high D/E. 200-400% is typical; only above 400% counts as elevated. Note: D/E levels are highly sector-specific — a bank at 300% debt is normal, a tech stock at 300% is extremely leveraged. Always compare with similar companies in the same sector.

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