M&T Bank Corp (NYSE:MTB)

manlac9 (83.38) Submitted: 9/23/2008 8:54:38 PM : Start Price: $73.50 MTB Score: +2.24

This bank is just BAD, as someone who lives local and despises both the company as a fairly unimportant financial and as a friend of customers (I would never use this bank myself... its just that poor at customer service,) I think that this stock is overvalued and will be beat down in the coming months.

drafthorse1 (55.17) Submitted: 8/3/2008 10:09:34 PM : Start Price: $60.78 MTB Score: +26.52

solid financial company, pummeled by industry assocation

ongkaili (< 20) Submitted: 7/2/2008 11:44:12 AM : Start Price: $64.02 MTB Score: -21.27

still have not seen their exposure to the credit crunch fully disclosed

lakestevenssage (62.35) Submitted: 6/1/2008 1:45:07 AM : Start Price: $74.20 MTB Score: +12.29

Way too much upside for this regional powerhouse. While the big boys are smarting banks like MTB are sitting fat.

Dragontoad (< 20) Submitted: 5/27/2008 7:56:29 AM : Start Price: $75.75 MTB Score: +8.60

Buffet Stock, fair price

IUseThisStuffF (86.37) Submitted: 4/25/2008 9:05:03 PM : Start Price: $80.20 MTB Score: +4.04

I used to work for them under First National Bank of MD and Allfirst bank (when Rusnack traded the bank into ruins by betting against the yen). M & T stinks, poor service and employees who are not very knowledgeable. Great mix for NY and Balto./DC markets.

TEHuLTD (47.21) Submitted: 3/24/2008 3:19:40 PM : Start Price: $74.00 MTB Score: +9.25

this is a sure fire winner put your dollars on a front funner.

xionn (32.14) Submitted: 3/14/2008 10:28:57 AM : Start Price: $68.60 MTB Score: -13.13

Still in credit crunch. Still great dividen company.

eggDad (90.04) Submitted: 3/3/2008 8:05:36 PM : Start Price: $67.37 MTB Score: +17.34

This is a very well run bank that has been expanding carefully and is likely to continue to grow or be acquired.

baroquen2 (44.33) Submitted: 1/23/2008 8:10:50 PM : Start Price: $71.50 MTB Score: +12.07

MTB was one of the first banks to acknowledge the sub prime mortgage mistakes. They are on track and recouping their losses. MTB was forthcoming about the sub prime mess and I believe over the next 4 years they will outperform.

TopDividendPayer (99.48) Submitted: 12/6/2007 11:43:33 PM : Start Price: $75.60 MTB Score: +15.36

This CAPS account is tracking the 200 highest yielding S&P stocks.

NetscribeBanking (92.58) Submitted: 2/27/2007 7:57:52 AM : Start Price: $101.73 MTB Score: +17.02

MTB is New York based holding company primarily operating though its subsidiaries in New York, Pennsylvania, Virginia, West Virginia, Maryland and Delaware.

Recent acquisition of Citibank’s 21 upstate New York branches has not only expanded the market share but also provided low cost deposits to the tune of $1 billion, which have been used to retire wholesale borrowings and marginally improve the deteriorating net interest margin. Cheap sources of funding has been difficult to come by with more than 60% of its deposits are in the Western and Central New York, where the manufacturing hub is in a state of recession and no signs of comeback

Around 35% of the total revenue is generated through fee income making it less dependent on spread income. The loan portfolio is diversified with a balanced mix of asset class and approximately 50% of its loan portfolio is in real estate. Home equity lines of credit and consumer loan categories remain slow and are vulnerable to the current yield environment.

Huge potential is seen in the branches of Mid Atlantic region where only 2% and 22% of the customer use its mortgage and merchant services compared to 10% and 37% for other region. Historically the attitude of the bank has been to shun of risky loans thereby forgoing growth for better credit standards. But of late there has been a dent in the same with non-performing loans creeping to 0.52% from 0.39%. However the metrics are satisfactory when compared to its peers and has adequate loss reserves to support it.

The management feels the year 2007 to have modest revenue growth, as signs of excess liquidity remain visible that would pressurize loan pricing. The fundamentals look good and its superior operating performance has helped it find a place even in Warrant Buffet’s Berkshire Hathaway’s portfolio. However there is a general feeling in the market that the stocks current price already reflects the future growth prospects. Unfavorable interest rate scenario with the stock trading at a premium makes the future of the bank uncertain and chances of beating the market looks dim.

smoother100 (< 20) Submitted: 1/24/2007 2:41:12 PM : Start Price: $99.06 MTB Score: -14.93

consistent historical performance---strong management

kingpinfool (88.87) Submitted: 1/2/2007 3:17:25 PM : Start Price: $100.26 MTB Score: -16.96

M&T Bank, simply put a company that continues to make the right moves over time. With CEO Wilmers back after Sadlers retirement, the bank continues to move forward. The leadership question of who will take over as CEO is now being played out between the two exectives, either being a good candidate.

morgsie (84.10) Submitted: 10/11/2006 1:20:20 PM : Start Price: $101.12 MTB Score: -23.06

This is the " little stock that could" - and it could definately do more

weholston (< 20) Submitted: 10/2/2006 2:48:29 AM : Start Price: $98.70 MTB Score: -22.12

conservative management and continued expansion into more high growth markets