M&T Bank (MTB) Stock: Buy, Sell, or Hold?
$219.78
-0.41 (-0.19%)
âŧ
5d:
+0.0%
30d:
+1.73%
90d:
-13.5%
Open in Live Scanner
70/30 Portfolio Builder
Earnings: Jan 19, 2027
Protect MTB Gains
Updated Nov 12, 12:00 AM ET
QUANTITATIVE VERDICT
WAIT
LOW Confidence (76%)
Quality Score
44/100
Position
FAIR
30-Day Fair Range
$217.10 â $222.40
Position: FAIR
Forward P/E & Valuation
10.4x
FAIR
vs 10.7x historical avg
Wall Street Target
$245.93
+11.9% upside
Options IV & Volume
HIGH Vol
HIGH volume confirmation
Support / Resistance
$217.28 / $229.97
Trend: Strong Downtrend
Executive Thesis & Bottom Line
Forward Earnings Fair Value & Price Prediction →
âšī¸ NEUTRAL: MTB is fairly priced but lacks strong directional signals. At -0.9% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
Get Alerted When MTB Hits Your Target Price
Join 10,000+ traders who never miss a move
You're in! Check your email to confirm and set your target price.
100% Free
No spam, ever
Unsubscribe anytime
Interactive Price Chart (1 Month)
Loading chart...
Loading historical data...
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$305.71
Based on 6.3% avg growth
INTRINSIC VALUE TODAY
$189.82
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 10.7x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: MTB is currently trading at $219.78, which is considered fair relative to its 30-day fair value range of $217.10 to $222.40. The stock's valuation (Forward PE: 10.4) is in line with its historical norms (10.7). Remarkably, the market is currently pricing in an annual earnings decline of 0.9% over the next few years. This pessimistic expectation contrasts with the company's recent 4.6% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, MTB is in a strong downtrend. The price is currently testing key support at $217.28. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 45/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. In the options market, Implied Volatility is low (0th percentile), suggesting options premiums are relatively cheap. This makes it an attractive time for long options strategies if you have a directional bias. Wall Street analysts see significant upside, with an average price target of $245.93 (+11.9%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, MTB is in a strong downtrend. The price is currently testing key support at $217.28. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 45/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. In the options market, Implied Volatility is low (0th percentile), suggesting options premiums are relatively cheap. This makes it an attractive time for long options strategies if you have a directional bias. Wall Street analysts see significant upside, with an average price target of $245.93 (+11.9%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$217.10 -
$222.40
Company Quality Score
44/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
75.8%
Trading Range & Key Levels
30-Day Trading Range
$217.10 -
$222.40
Current vs Trading Range
FAIR
Expected Move (7 Days)
Âą$7.66
(3.5%)
Support Level
$217.28
Resistance Level
$229.97
Current Trend
Strong Downtrend
Technical data as of
Nov 12, 2026
Protect Your Profits
Holding MTB? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanQuantitative Signal Breakdown
- NEUTRAL: Price in fair range
- BULLISH: Options cheap (IV 0th percentile)
- NEUTRAL: Mixed technical signals (45/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($245.93)
- WARNING: Composite score 44/100 in the bottom quintile â this cohort historically lags the market
Fundamental Context
Forward P/E (Next Year Est.)
10.41
Wall Street Target
$245.93
(+11.9%)
Revenue Growth (YoY)
0.5%
Earnings Growth (YoY)
4.6%
Profit Margin
31.9%
Valuation Discount vs History
-0.9% cheaper
PE vs Historical
10.4 vs 10.7
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.9%
(market-implied from PE analysis)
1-Year Target
$217.80
(-1%)
2-Year Target
$215.84
(-2%)
3-Year Target
$213.90
(-3%)
3-Yr Target (if PE normalizes)
(PE: 10â11)
$219.85
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 8.5%)
$535.12
(+144%)
Base:
(SPY PE: 10.4, Growth: 8.5%)
$280.50
(+28%)
Bear:
(PE: 8.8, Growth: 8.5%)
$238.42
(+9%)
đ
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (12x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 11.50 | Current EPS (TTM): $19.14
Bull Case
$267.17
(+22%)
Analyst growth 10.3%, PE expands to 12.7
Base Case
$242.88
(+11%)
Market implied 10.3%, PE stable at 11.5
Bear Case
$149.73
(-32%)
Severe decline -20.0%, PE contracts to 9.8
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
đĄ
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 10.4 to 10.7
Stabilization Target:
$225.90
(+2.8%)
PE Expansion Potential:
+2.8%
Share MTB Analysis
Share this live MTB analysis (with rich preview card) to Reddit, StockTwits, X, or embed the chart on your blog.
bloggers & journalists: you are free to use our charts with attribution.Reddit & Retail Trader Sentiment (MTB)
Bullish
2 Retail Mentions
Reddit / WSB Comments
1
Bearish
StockTwits Volume
1 msgs
24h retail stream
Last Tracked
May 26, 2026
Daily AI digest
AI Retail Discussion Summary:
Bullish sentiment dominates $MTB on StockTwits with one trader initiating a position, while no recent news articles were found.
Key Retail Themes:
Buy
Positive Sentiment
Aggregated from r/wallstreetbets, r/stocks & StockTwits streams.
View All Trending Reddit & WSB Stocks →
Last updated: November 13, 2026 3:26 AM ET
Data refreshes hourly during market hours. Next update: 4:26 AM
Data refreshes hourly during market hours. Next update: 4:26 AM
đĨ Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
|---|
Technical Signals Check
Is MTB showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
Top Rated Banks - Regional Stocks
Top-rated stocks in Banks - Regional by analyst ratings.
| Stock | Analyst Consensus | Analyst Target | Tradestie Score |
|---|---|---|---|
|
PNFP
Pinnacle Financial PartnâĻ |
STRONG BUY
22 analysts |
$121 | 42 HOLD |
|
FLG
Flagstar Bank, National âĻ |
BUY
18 analysts |
$13 | 61 BUY |
|
BAP
Credicorp Ltd |
STRONG BUY
14 analysts |
$427 | 62 BUY |
|
HBAN
Huntington Bancshares InâĻ |
BUY
21 analysts |
$19 | 45 HOLD |
|
SSB
SouthState Corporation |
STRONG BUY
14 analysts |
$120 | 51 HOLD |
Advanced MTB Option Strategies
Professional options setups generated by AI based on today's MTB price and gamma walls.
Explore More Analysis & Live Quant Tools
Part A: Deep-Dive MTB Research Pages
