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Is M&T Bank (MTB) Undervalued After Its Recent One‑Month Share Price Gain?

Simply Wall St·12/07/2025 15:15:24
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M&T Bank (MTB) has quietly outpaced the broader regional bank group over the past month, climbing about 5% while still sitting roughly 5% below where it traded a year ago.

See our latest analysis for M&T Bank.

At around $195.11 per share, M&T’s recent 1 month share price return of roughly 5% hints that sentiment is improving again, even though its 1 year total shareholder return is still slightly negative while the 5 year total shareholder return remains solid.

If this kind of steady banking story appeals to you, it might also be a good time to explore solid balance sheet and fundamentals stocks screener (None results) for other financially resilient names to add to your watchlist.

Yet with analysts seeing material upside to the current price and valuation models pointing to a sizeable intrinsic discount, the key question now is whether M&T is quietly undervalued or whether the market is already pricing in its next leg of growth.

Most Popular Narrative: 11.8% Undervalued

With M&T Bank last closing at $195.11 against a most popular narrative fair value near $221, the storyline leans toward quiet upside built on steady fundamentals.

The analysts have a consensus price target of $216.737 for M&T Bank based on their expectations of its future earnings growth, profit margins and other risk factors. However, there is a degree of disagreement amongst analysts, with the most bullish ones expecting earnings as high as $2.9 billion.

Read the complete narrative.

Want to see why modest revenue growth, gently easing margins, and a richer future earnings multiple still add up to upside potential, not just status quo? Discover the full narrative shaping that conclusion and how those moving parts interact over the next few years.

Result: Fair Value of $221.17 (UNDERVALUED)

Have a read of the narrative in full and understand what's behind the forecasts.

However, a sustained decline in low cost deposits or weaker than expected loan growth could quickly compress margins and challenge this upside narrative.

Find out about the key risks to this M&T Bank narrative.

Build Your Own M&T Bank Narrative

If you see the story differently or prefer to dig into the numbers yourself, you can craft a personalised view in under three minutes: Do it your way.

A great starting point for your M&T Bank research is our analysis highlighting 4 key rewards and 1 important warning sign that could impact your investment decision.

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If you are serious about sharpening your edge, do not stop at one bank when you can put multiple high potential opportunities on your radar in minutes.

This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.