M&T Bank (STU:MTZ) Tariff Resilience Score: 9/10 (As of Jul. 18, 2026)

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STU:MTZ M&T Bank Corp STU:MTZ
73 GF Score
Price €217.60
GF Value €178.88
Valuation Modestly Overvalued
! 8 Warning Signs
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What is M&T Bank Tariff Resilience Score?

M&T Bank STU:MTZ -1.58% 73 Tariff Resilience Score is 9 as of Jul. 18, 2026. GuruFocus rates STU:MTZ with a GF Score™ of 73/100 and a GF Value™ of €178.88 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 1,606 Banks companies, M&T Bank ranks better than 99.25% on this metric.

M&T Bank has the Tariff Resilience Score of 9, which implies that the company might have Highly Resilient.

M&T Bank has M&T Bank operates primarily in the financial sector with minimal direct exposure to tariffs. Its domestic focus and lack of dependency on physical goods make it highly resilient to international trade tariffs.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes M&T Bank might have Highly Resilient.

M&T Bank  (STU:MTZ) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

M&T Bank Tariff Resilience Score Related Terms

STU:MTZ vs HBAN, BAP, CFG: Tariff Resilience Score Comparison

For the Banks - Regional subindustry, M&T Bank's Tariff Resilience Score, along with its competitors' market caps and Tariff Resilience 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 Tariff Resilience Score vs Banks Industry

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

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


STU:MTZ
73GF Score
M&T Bank Corp STU:MTZ
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 9 mean?
M&T Bank (STU:MTZ) has a Tariff Resilience Score of 9 as of Jul. 18, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, M&T Bank ranks #12 out of 1606 companies in the Banks industry, placing it in the top 0.7%.
Is M&T Bank's Tariff Resilience Score too high?
M&T Bank's current Tariff Resilience Score is 9. Based on the distribution chart, M&T Bank ranks #12 out of 1606 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 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does M&T Bank's Tariff Resilience Score compare to HBAN and BAP?
According to the Banks industry distribution chart, M&T Bank ranks #12 out of 1606 companies for Tariff Resilience Score. This places M&T Bank in the top 1% 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 Tariff Resilience Score for a Banks company?
A good Tariff Resilience Score depends on the Banks industry context. However, Tariff Resilience 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. M&T Bank's current Tariff Resilience Score is 9. 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?
Based on GuruFocus' analysis, M&T Bank (STU:MTZ) is currently considered Modestly Overvalued. The stock's GF Value™ is €178.88, compared to a current price of €217.60 — trading 21.6% above its estimated fair value. The current Tariff Resilience Score is 9. 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 Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For M&T Bank (STU:MTZ), the current Tariff Resilience Score is 9 as of Jul. 18, 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 €217.60 is trading 21.6% above its estimated GF Value™ of €178.88. GuruFocus considers M&T Bank to be Modestly Overvalued.

Key valuation signals for STU:MTZ:

  • Tariff Resilience Score: 9
  • GF Value™: €178.88 vs. price of €217.60 (21.6% 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

Get the complete analysis for STU:MTZ

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

€217.60
Price
€178.88
GF Value