MTB · sample dossier
M&T Bank Corp.
52/100
OutdatedGenerated Oct 10, 2026 · 10:00 AM UTC · 3 hours ago
This copy is frozen (Oct 10). Sign in to run the same work — filings, valuation, bull and bear, sources — on any US stock or ETF, in about 90 seconds.
Run a fresh dossierMTB
EquityM&T Bank Corp.XNYS
Decision context
HOLD
70% convictionScore 52 · Hold
A mixed picture — no strong reason to buy or sell right now.
The stock trades 3.9% above our estimate.
Current price
$217.49
Estimated value range
$206.61 – $210.16
Gap vs AlphaDog estimate
-3.9%
Narrow evidence — range rests on a single usable method.
The price is above our estimate, providing little valuation support.
Market context
Price
Price when available
Pick how far back the chart looks
1 month
-9.0%
3 months
-10.3%
6 months
-1.1%
1 year
+15.6%
Financial trajectory
Executive summary & thesis
Strong valuation (81.2/100), but base target implies 3.9% downside — P/E 11.5x.
Things to keep in mind
- 1Base target implies 3.9% downsideView source
- 2P/E 11.5xView source
What to watch next
Factor profile
Value-sensitive setup
| Factor | Score |
|---|---|
| Quality | 41 out of 100 (Neutral). Business health — profits, returns, and consistency. Higher means a more durable company. |
| Growth | 50 out of 100 (Neutral). How fast sales and earnings are rising. Higher means the business is expanding faster. |
| Value | 81 out of 100 (Elite). How cheap the stock looks for what you get. Higher means a more attractive price. |
| Safety | 55 out of 100 (Neutral). Balance-sheet cushion and fewer red flags. Higher means less risk of a nasty surprise. |
| Momentum | 30 out of 100 (Weak). Recent share-price trend. Higher means buyers have been in control lately. |
Another way to look at it
A calmer look at both sides of the M&T Bank Corp. story
The consensus victory for the bull thesis rests entirely on stale profitability data and low headline multiples, blinding investors to significant balance sheet risks.
Specifically, the celebrated quarterly EPS surge to $5.32 reported on June 30, 2026 is now 102 days old and stale, leaving current quarterly earnings quality unverified. Concurrently, the stock is experiencing severe technical deterioration, trading below both its MA50 and MA200 after falling 9.0% over the last month and 10.3% over three months. The debate treated the 32.1% net margin and 1.4% ROA as stable fixtures rather than peak-of-cycle metrics vulnerable to funding cost pressure and credit normalization. Relying on an 11.5 P/E and 1.24 P/B as an automatic valuation floor ignores that regional bank multiples historically compress ahead of asset quality impairments. Without proof of deposit stability or credit resilience, buying this apparent value is catching a falling knife.
Zero evaluation of credit risk, non-performing assets, or provision expenses, which directly threaten the bank's 1.4% ROA in a shifting credit environment.
Omission of deposit costs and net interest margin trajectory, leaving the sustainability of the 32.1% net margin completely unexamined.
Absence of balance sheet leverage transparency, with both EV/EBITDA and Debt/Equity metrics marked N/A in available data.
Extrapolating sequential EPS expansion from $4.13 to $5.32 based on Q2 2026 earnings data that is over 90 days stale.
Assuming an 11.5 P/E and 1.24 P/B represent an absolute value discount rather than an equity risk premium pricing in deteriorating banking fundamentals.
Cash after investing
Cash-flow details are thin for MTB — check the Financials tab when you can.
- Profitability and cash flow stay stable as M&T Bank Corp. grows
For learning and research only — not investment advice. AlphaDog doesn’t hold stocks and isn’t your financial advisor.
Run the next one yourself.
You just read a full MTB dossier — scored verdict, valuation, and both sides, with sources. Sign in to run that on a name you hold, on current filings. A free account includes 10 credits a week, 1 per fresh run.