M&T Bank (STU:MTZ) Moat Score: 6/10 (As of Jul. 12, 2026)


STU:MTZ M&T Bank Corp STU:MTZ
73 GF Score
Price €212.30
GF Value €178.46
! 8 Warning Signs
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What is M&T Bank Moat Score?

M&T Bank STU:MTZ +1.97% 73 Moat Score is 6 as of Jul. 12, 2026. GuruFocus rates STU:MTZ with a GF Score™ of 73/100 and a GF Value™ of €178.46. The stock has 8 warning signs investors should review. Among 1,614 Banks companies, M&T Bank ranks better than 97.83% on this metric.

M&T Bank has the Moat Score of 6, which implies that the company might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

M&T Bank has Narrow Moat: M&T Bank Corp has a strong narrow moat with a solid market position, customer loyalty, and regulatory advantages. Its economies of scale and network effects provide a competitive edge, but not enough for a wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes M&T Bank might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

M&T Bank  (STU:MTZ) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

M&T Bank Moat Score Related Terms

STU:MTZ vs HBAN, BAP, CFG: Moat Score Comparison

For the Banks - Regional subindustry, M&T Bank's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

M&T Bank Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, M&T Bank's Moat Score distribution charts can be found below:

* The bar in red indicates where M&T Bank's Moat Score falls into.


STU:MTZ
73GF Score
M&T Bank Corp STU:MTZ
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 6 mean?
M&T Bank (STU:MTZ) has a Moat Score of 6 as of Jul. 12, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, M&T Bank ranks #35 out of 1614 companies in the Banks industry, placing it in the top 2.2%.
Is M&T Bank's Moat Score too high?
M&T Bank's current Moat Score is 6. Based on the distribution chart, M&T Bank ranks #35 out of 1614 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, M&T Bank has a GF Score™ of 73/100, reflecting its overall financial health beyond just this single metric.
How does M&T Bank's Moat Score compare to HBAN and BAP?
According to the Banks industry distribution chart, M&T Bank ranks #35 out of 1614 companies for Moat Score. This places M&T Bank in the top 2% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. M&T Bank's current Moat Score is 6. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is M&T Bank stock overvalued right now?
M&T Bank (STU:MTZ) has a current Moat Score of 6. The stock's GF Value™ is €178.46, compared to a current price of €212.30 — trading 19% above its estimated fair value. The current Moat Score is 6. M&T Bank's overall GF Score™ is 73/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For M&T Bank (STU:MTZ), the current Moat Score is 6 as of Jul. 12, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is M&T Bank (STU:MTZ) Overvalued in 2026?

Based on GuruFocus' analysis, M&T Bank stock appears to be overvalued. The current stock price of €212.30 is trading 19% above its estimated GF Value™ of €178.46.

Key valuation signals for STU:MTZ:

  • Moat Score: 6
  • GF Value™: €178.46 vs. price of €212.30 (19% above fair value)
  • GF Score™: 73/100 with 8 warning signs

No single metric tells the full story. See the STU:MTZ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

M&T Bank Business Description

Address One M&T Plaza, Buffalo, NY, USA, 14203
M&T Bank is a US regional bank with around $215 billion in assets as of the end of the first quarter of 2026. Headquartered in Buffalo, New York, the bank's footprint is mostly concentrated in New England and the US Mid-Atlantic. M&T Bank boasts a community banking approach, and boasts over 900 branches in 13 states and Washington, D.C. Apart from retail and commercial banking, M&T Bank also has wealth management operations through Wilmington Trust and a partnership with LPL Financial, and a corporate trust business.
73GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€212.30
Price
€178.46
GF Value