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MTB vs RF
Which Stock Would AI Choose? M&T Bank Corporation (MTB) vs. Regions Financial Corporation (RF) Stock Comparison
Key Takeaways
- MTB boasts a larger market capitalization of approximately $32.3 billion compared to RF's $24.2 billion, reflecting its broader operational scale.
- Year-to-date, MTB has returned 8.71%, outperforming RF's 5.54%, amid regional banking sector volatility.
- RF shows stronger one-year gains at 44.33% versus MTB's 32.82%, driven by robust loan growth.
- Both stocks trade at attractive valuations, with forward P/E ratios of 11.63 for MTB and 10.89 for RF (price-to-earnings).
- Recent quarterly results highlight earnings growth, with RF at 14.1% and MTB at 13.7% year-over-year.
- Return on equity (ROE, a measure of profitability relative to shareholders' equity) stands at 10.29% for MTB and 11.90% for RF.
Introduction
This stock comparison examines MTB and RF, two prominent regional banks navigating a dynamic interest rate environment and economic shifts. Investors and traders interested in financial sector exposure, dividend yields, or value opportunities in mid-cap banking stocks will find value here. Both companies reported solid recent quarterly earnings amid sector pressures, offering insights into relative performance, valuation, and growth potential in the current market.
MTB Overview and Recent Performance
M&T Bank Corporation (MTB) is a diversified banking holding company primarily serving the Northeast and Mid-Atlantic regions through commercial, retail, and wealth management services. In recent market activity, shares have traded around $217, within a 52-week range of $165 to $239. Year-to-date gains of 8.71% have outpaced the broader market, supported by a first-quarter 2026 earnings beat where revenue rose 5.7% year-over-year to $2.44 billion and normalized EPS reached $4.13. Sentiment has been tempered by insider sales totaling about $20 million, though dividend announcements and analyst price targets averaging $234 signal stability. Key influences include steady net interest income (NII, revenue from interest-bearing assets minus interest expenses) and controlled provisions for credit losses.
RF Overview and Recent Performance
Regions Financial Corporation (RF) operates as a full-service bank focused on the Southeast, offering consumer banking, commercial lending, and investment services. Shares recently hovered near $28, in a 52-week range of $20 to $32. While year-to-date returns stand at 5.54%, one-year performance reached 44.33%, reflecting strong momentum. Recent quarterly results showed revenue growth of about 7.3% year-over-year and adjusted EPS of $0.62, bolstered by loan expansion and new digital tools like ReimbursePro. Positive factors include higher fee income and NII resilience, though deposit costs remain a watchpoint amid shifting rates.
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Head-to-Head Comparison
Both MTB and RF follow similar business models centered on deposit gathering and lending, with exposure to commercial real estate and consumer loans. Growth drivers differ regionally: MTB benefits from denser urban markets, while RF leverages Southeast economic expansion. Recent momentum favors RF on longer horizons, but MTB leads year-to-date. Risk factors include interest rate sensitivity impacting NII and potential credit provisions (NCO, net charge-offs). RF appears cheaper on forward P/E and offers higher ROE, trading off against MTB's scale and lower beta for stability. Market sentiment tilts positive for both post-earnings, with regional banking peers showing resilience.
Tickeron AI Verdict
Tickeron’s AI models currently lean toward RF due to its superior one-year momentum, attractive forward valuation, and recent quarterly growth edges in revenue and earnings. Factors like loan momentum and digital initiatives provide nearer-term catalysts, though MTB remains competitive with its size and YTD strength. This positioning suggests higher probability of outperformance in a stable rate environment, based on trend data and relative metrics.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer. Disclaimers and Limitations
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is MTB is a Buy and RF is a StrongBuy.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
MTB’s FA Score shows that 2 FA rating(s) are green whileRF’s FA Score has 2 green FA rating(s).
- MTB’s FA Score: 2 green, 3 red.
- RF’s FA Score: 2 green, 3 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
MTB’s TA Score shows that 5 TA indicator(s) are bullish while RF’s TA Score has 5 bullish TA indicator(s).
- MTB’s TA Score: 5 bullish, 5 bearish.
- RF’s TA Score: 5 bullish, 4 bearish.
Price Growth
MTB (@Regional Banks) experienced а +4.24% price change this week, while RF (@Regional Banks) price change was +2.56% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +3.72%. For the same industry, the average monthly price growth was +7.76%, and the average quarterly price growth was +12.20%.
Reported Earning Dates
MTB is expected to report earnings on Jul 15, 2026.
RF is expected to report earnings on Jul 17, 2026.
Industries' Descriptions
@Regional Banks (+3.72% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
| MTB | RF | MTB / RF | |
| Capitalization | 34B | 25B | 136% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 16.700 | 10.088 | 166% |
| P/E Ratio | 13.02 | 12.15 | 107% |
| Revenue | 9.73B | 7.62B | 128% |
| Total Cash | 1.9B | 3.45B | 55% |
| Total Debt | 19B | 5.14B | 370% |
MTB | RF | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 38 | 23 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 53 Fair valued | 35 Fair valued | |
PROFIT vs RISK RATING 1..100 | 38 | 42 | |
SMR RATING 1..100 | 8 | 9 | |
PRICE GROWTH RATING 1..100 | 17 | 19 | |
P/E GROWTH RATING 1..100 | 47 | 39 | |
SEASONALITY SCORE 1..100 | 46 | 50 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
RF's Valuation (35) in the Major Banks industry is in the same range as MTB (53) in the Regional Banks industry. This means that RF’s stock grew similarly to MTB’s over the last 12 months.
MTB's Profit vs Risk Rating (38) in the Regional Banks industry is in the same range as RF (42) in the Major Banks industry. This means that MTB’s stock grew similarly to RF’s over the last 12 months.
MTB's SMR Rating (8) in the Regional Banks industry is in the same range as RF (9) in the Major Banks industry. This means that MTB’s stock grew similarly to RF’s over the last 12 months.
MTB's Price Growth Rating (17) in the Regional Banks industry is in the same range as RF (19) in the Major Banks industry. This means that MTB’s stock grew similarly to RF’s over the last 12 months.
RF's P/E Growth Rating (39) in the Major Banks industry is in the same range as MTB (47) in the Regional Banks industry. This means that RF’s stock grew similarly to MTB’s over the last 12 months.
| MTB | RF | |
|---|---|---|
| RSI ODDS (%) | 3 days ago 50% | 3 days ago 65% |
| Stochastic ODDS (%) | 3 days ago 67% | 3 days ago 62% |
| Momentum ODDS (%) | 3 days ago 62% | 3 days ago 68% |
| MACD ODDS (%) | 3 days ago 60% | 3 days ago 63% |
| TrendWeek ODDS (%) | 3 days ago 62% | 3 days ago 62% |
| TrendMonth ODDS (%) | 3 days ago 57% | 3 days ago 58% |
| Advances ODDS (%) | 3 days ago 62% | 3 days ago 61% |
| Declines ODDS (%) | 18 days ago 58% | 18 days ago 63% |
| BollingerBands ODDS (%) | 3 days ago 58% | 3 days ago 73% |
| Aroon ODDS (%) | 3 days ago 52% | 3 days ago 58% |
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MTB and
Correlation & Price change
A.I.dvisor indicates that over the last year, MTB has been closely correlated with RF. These tickers have moved in lockstep 87% of the time. This A.I.-generated data suggests there is a high statistical probability that if MTB jumps, then RF could also see price increases.
RF and
Correlation & Price change
A.I.dvisor indicates that over the last year, RF has been closely correlated with KEY. These tickers have moved in lockstep 88% of the time. This A.I.-generated data suggests there is a high statistical probability that if RF jumps, then KEY could also see price increases.