M&T Bank (STU:MTZ) Altman Z2-Score

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

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 Altman Z2-Score?

Altman Z2-Score, also known as Z"-Score, is used to predict the likelihood that a non-manufacturing company (excluding property/financial company) will face bankruptcy within a two-year period.

Altman Z2-Score does not apply to banks and insurance companies.

STU:MTZ
73GF Score
M&T Bank Corp STU:MTZ
Altman Z2-Score is just one metric. See GF Score™, valuation, warning signs, and more.
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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:

  • Altman Z2-Score:
  • 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

Get the complete analysis for STU:MTZ

Altman Z2-Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€212.30
Price
€178.46
GF Value