MTB – Dividend Returns, History & Calculator

Dividend Challenger 9 Years

M&T Bank Corporation operates as a bank holding company for Manufacturers and Traders Trust Company and Wilmington Trust, National Association that provides retail and commercial banking products and services in the United States. The company operates through

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Company Info

Symbol MTB
Company M&T Bank Corporation
Sector Financial Services
Industry Banks - Regional
Website Visit
Market Cap $29,211.4M

Price Data

Price $186.93
Price Change -1.67
Price Change % -0.89%
Next Earnings Report Jan 16, 2026
Low (52W) $150.75
High (52W) $225.70

Dividend Data

Div Yield 3.21%
5Y Avg Yield 3.23%
Current Div $1.500
Payouts/Year 4
Annualized $6.000
Previous Div $1.350
Ex-date Dec 1, 2025
Dividend Pay Date Dec 31, 2025

Growth Rates

Chowder Number 8.0
DGR 1Y 4.7%
DGR 3Y 5.0%
DGR 5Y 4.8%
DGR 10Y 4.7%

Total Returns

TTR 1Y - With Specials -10.5%
TTR 3Y - With Specials 7.4%
TTR 1Y - No Specials -10.5%
TTR 3Y - No Specials 7.4%

Fair Value

Fair Value (P/E 10) $153.50
FV (P/E 10) % 22.0%
Fair Value (Peter Lynch) $405.00
FV (Peter Lynch) % -54.0%
Fair Value (Blended) $165.46
FV (Blended) % 13.0%

Financial Metrics

Revenue 1Y -3.8%
NPM 27.3%
CF/Share $27.04
ROE 9.6%
Debt/Capital 33.0%
ROTC 6.8%
P/E 11.5x
P/BV 1.1x
PEG 0.93
📊 Financial data last updated: November 24, 2025 3:35 pm

Calculate your MTB Dividend Returns

Quickly and easily calculate MTB dividend yield using our MTB calculator. Adjust the fields below to see how your MTB investments snowball over time.

Show Idealized Scenario (Assumes all future extra investments and dividends are made on Day 1 and reinvested instantly — this creates a best-case scenario for compounding growth.)

Portfolio Growth Over Time

Data last updated: November 27, 2025 1:03 am

Year-by-Year Portfolio Growth (Realistic DRIP Scenario)

YearStart BalanceStart SharesShare PriceDividend / ShareDividend YieldYield on CostAnnual DividendTotal DividendsEnd SharesEnd Balance
1$10,00053$190.24$1.503.15%3.15%$343$34361$11,543
2$12,03761$198.39$1.623.26%3.40%$422$76569$13,660
3$14,24569$206.88$1.753.38%3.67%$513$1,27877$15,958
4$16,64177$215.74$1.893.50%3.96%$616$1,89486$18,457
5$19,24786$224.98$2.033.62%4.28%$733$2,62794$21,180
6$22,08794$234.62$2.203.74%4.62%$867$3,494103$24,154
7$25,189103$244.67$2.373.87%4.98%$1,019$4,513112$27,408
8$28,582112$255.15$2.564.01%5.38%$1,194$5,707121$30,976
9$32,302121$266.07$2.764.15%5.80%$1,393$7,100131$34,895
10$36,389131$277.47$2.984.29%6.26%$1,620$8,720141$39,210

MTB Dividend History

Ex-Date Payment Date Amount TTM Yield Forward Yield Price on Ex-Date
09/02/202509/02/2025$1.502.79%3.02%$198.98
06/02/202506/02/2025$1.353.00%3.00%$180.04
03/03/202503/03/2025$1.352.86%2.86%$188.81
12/02/202412/02/2024$1.352.48%2.50%$215.69
09/03/202409/03/2024$1.353.09%3.15%$171.32
06/03/202406/03/2024$1.353.54%3.64%$148.30
03/01/202403/01/2024$1.303.80%3.80%$136.91
11/30/202311/30/2023$1.304.06%4.06%$128.17
08/31/202308/31/2023$1.304.08%4.16%$125.05
05/31/202305/31/2023$1.304.20%4.36%$119.16
03/03/202303/03/2023$1.303.21%3.41%$152.54
11/30/202211/30/2022$1.202.82%2.82%$170.02
08/31/202208/31/2022$1.202.64%2.64%$181.78
05/31/202205/31/2022$1.202.61%2.67%$179.97
02/25/202202/25/2022$1.202.51%2.62%$183.03
11/29/202111/29/2021$1.202.96%3.15%$152.16
08/31/202108/31/2021$1.103.14%3.14%$140.01
05/28/202105/28/2021$1.102.74%2.74%$160.69
02/26/202102/26/2021$1.102.92%2.92%$150.94
11/30/202011/30/2020$1.103.78%3.78%$116.49
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Invest in MTB with Interactive Brokers

MTB 10-yr Total Return ($10,000 invested)

This analysis of MTB demonstrates the power of dividend reinvestment over a 10-year period with a $10,000 initial investment. The dividend reinvestment strategy delivered a 10.0% CAGR, representing moderate long-term performance. Recent 5-year performance has been particularly strong at 15.8% annually, outpacing the 10-year average. The DRIP strategy provided 20% more total return compared to collecting dividends as cash, highlighting the compounding effect of reinvestment.

With DRIP No DRIP

Total Return with and without DRIP (MTB)

Over the selected period, investing $10,000 in MTB would grow to $33,655 with DRIP (236.6%), and $29,671 without DRIP (196.7%).

MTB Dividend Reinvestment Snowball

Investing $10,000 + $100/mo in MTB with historic price growth (4.28%) and dividend growth (7.92%) produces dramatically different outcomes depending on whether you reinvest dividends.

After 20 Years

Your Investment: $34,000

With DRIP

Portfolio: $121,751

Annual Dividend: $7,622

Yield on Cost: 22.42%

Total Dividends: $47,228

No DRIP

Portfolio: $91,217

Total Dividends: $30,435

After 30 Years

Your Investment: $46,000

With DRIP

Portfolio: $400,012

Annual Dividend: $35,281

Yield on Cost: 76.70%

Total Dividends: $217,014

No DRIP

Portfolio: $198,130

Total Dividends: $90,748

Milestones on the way

By year 13, the compounding really starts to show. Your total dividends collected reach $15,102 against a total investment of $25,600. At this point, your portfolio is throwing off $2,775 per year in dividends alone.

By year 17, the annual dividend climbs to around your initial contribution. For a starting investment of $10,000, the yearly dividend now sits at approximately $4,937, a powerful “income on autopilot” milestone.

After two decades, cumulative dividends total $47,228 versus $34,000 invested, nearly a 139% recovery of capital purely from income. Yield on cost reaches 22.42%.

At year 25, the income engine takes over. The portfolio’s annual dividend of $16,047 is greater than total contributions to date ($40,000), and cumulative dividends exceed $101,130.

By year 30, the DRIP snowball is in full force. Yearly income reaches $35,281, cumulative dividends total $217,014, and the DRIP portfolio value stands at $400,012, compared with $198,130 if dividends weren’t reinvested.

How we estimate these numbers

We use the latest calculator inputs for MTB, price $190.24, dividend per period $1.50 (4x/year), along with historic growth assumptions: price growth 4.28% and dividend growth 7.92% annually.

We simulate month by month for 30 years. Every month, a $100 contribution is added and converted to shares at that month’s price. Dividends are paid roughly evenly across the year based on the dividend frequency; in the DRIP path, each payout immediately buys additional shares at the then-current price. In the No-DRIP path, dividends accrue as cash. Prices grow using a monthly rate derived from the annual price growth. Dividends per share increase once per year at the annual dividend growth rate.

This model isn’t investment advice; it’s a simple, transparent framework that illustrates how reinvesting dividends can accelerate both income and total return over time.

Projected Future Returns & Dividends for MTB

Based on past 10-year performance, here are MTB growth metrics:

Share price CAGR of +8.68%
Dividend CAGR of +7.08%

Using MTB CAGR metrics, we can estimate that your initial $10,000 investment, over the next 10 years, should grow as follows:

MTB (DRIP)MTB (No DRIP)
Current Price$182.10$182.10
Start Shares54.9154.91
Start Value$10,000$10,000
After 10 years:
Final Share Count74.0854.91
Dividends Payment$11.89$11.89
Annual Dividends$857$653
Yield on cost8.57%6.53%
Share Price$418.64$418.64
Total Dividends$5,736$4,894
Final Value$31,015$27,883

Estimated Future Value + Dividends – MTB

Dividend History: Payments & Yield

Shows quarterly dividend payments with trailing yield and a 5-year rolling average overlay. Use the range pills to switch the visible period.

Yield Dividend

Dividend Growth

Lifetime quarterly dividend amounts, with range controls for 1Y/2Y/5Y/10Y. Useful to visualize the cadence and pace of dividend increases over time.

Dividend

Dividend Payments & Yield

Quarterly dividends with TTM yield and a 5‑year rolling average overlay. Helps compare current yield versus recent history across different ranges.

Dividend 5-yr Rolling AVG Yield

MTB Dividend History

Ex-Date Payment Date Amount TTM Yield Forward Yield Price on Ex-Date
09/02/202509/02/2025$1.502.79%3.02%$198.98
06/02/202506/02/2025$1.353.00%3.00%$180.04
03/03/202503/03/2025$1.352.86%2.86%$188.81
12/02/202412/02/2024$1.352.48%2.50%$215.69
09/03/202409/03/2024$1.353.09%3.15%$171.32
06/03/202406/03/2024$1.353.54%3.64%$148.30
03/01/202403/01/2024$1.303.80%3.80%$136.91
11/30/202311/30/2023$1.304.06%4.06%$128.17
08/31/202308/31/2023$1.304.08%4.16%$125.05
05/31/202305/31/2023$1.304.20%4.36%$119.16
03/03/202303/03/2023$1.303.21%3.41%$152.54
11/30/202211/30/2022$1.202.82%2.82%$170.02
08/31/202208/31/2022$1.202.64%2.64%$181.78
05/31/202205/31/2022$1.202.61%2.67%$179.97
02/25/202202/25/2022$1.202.51%2.62%$183.03
11/29/202111/29/2021$1.202.96%3.15%$152.16
08/31/202108/31/2021$1.103.14%3.14%$140.01
05/28/202105/28/2021$1.102.74%2.74%$160.69
02/26/202102/26/2021$1.102.92%2.92%$150.94
11/30/202011/30/2020$1.103.78%3.78%$116.49
08/31/202008/31/2020$1.104.26%4.26%$103.26
05/29/202005/29/2020$1.104.07%4.16%$105.66
02/28/202002/28/2020$1.102.99%3.13%$140.38
11/29/201911/29/2019$1.102.49%2.67%$164.74
08/30/201908/30/2019$1.002.74%2.74%$146.21
05/31/201905/31/2019$1.002.51%2.51%$159.60
03/01/201903/01/2019$1.002.20%2.32%$172.59
11/30/201811/30/2018$1.002.10%2.37%$169.01
08/31/201808/31/2018$1.001.86%2.26%$177.15
05/31/201805/31/2018$0.8001.77%1.86%$172.08
03/02/201803/02/2018$0.7501.57%1.57%$190.98
11/30/201711/30/2017$0.7501.78%1.78%$168.95
08/30/201708/30/2017$0.7501.98%2.01%$149.29
05/30/201705/30/2017$0.7501.83%1.90%$158.07
03/02/201703/02/2017$0.7501.71%1.80%$167.12
11/30/201611/30/2016$0.7001.95%1.95%$143.94
08/30/201608/30/2016$0.7002.37%2.37%$117.95
05/27/201605/27/2016$0.7002.35%2.35%$119.37
02/26/201602/26/2016$0.7002.64%2.64%$106.25
10/28/201510/28/2015$0.7002.23%2.23%$125.56
08/28/201508/28/2015$0.7002.35%2.35%$119.02
05/28/201505/28/2015$0.7002.30%2.30%$121.79
02/26/201502/26/2015$0.7002.31%2.31%$121.35
11/26/201411/26/2014$0.7002.22%2.22%$126.36
08/28/201408/28/2014$0.7002.28%2.28%$122.66
05/29/201405/29/2014$0.7002.32%2.32%$120.64
02/27/201402/27/2014$0.7002.42%2.42%$115.68
11/27/201311/27/2013$0.7002.41%2.41%$115.95
08/29/201308/29/2013$0.7002.46%2.46%$113.81
05/30/201305/30/2013$0.7002.64%2.64%$106.01
02/28/201302/28/2013$0.7002.74%2.74%$102.09
11/29/201211/29/2012$0.7002.88%2.88%$97.26
08/30/201208/30/2012$0.7003.22%3.22%$87.00
05/30/201205/30/2012$0.7003.46%3.46%$80.92
03/01/201203/01/2012$0.7003.45%3.45%$81.23
11/29/201111/29/2011$0.7004.10%4.10%$68.35
08/30/201108/30/2011$0.7003.71%3.71%$75.50
05/27/201105/27/2011$0.7003.20%3.20%$87.62
02/24/201102/24/2011$0.7003.20%3.20%$87.63
11/29/201011/29/2010$0.7003.64%3.64%$76.99
08/30/201008/30/2010$0.7003.30%3.30%$84.95
05/27/201005/27/2010$0.7003.44%3.44%$81.48
02/24/201002/24/2010$0.7003.58%3.58%$78.20
11/27/200911/27/2009$0.7004.39%4.39%$63.85
08/28/200908/28/2009$0.7004.54%4.54%$61.64
05/28/200905/28/2009$0.7005.77%5.77%$48.56
02/25/200902/25/2009$0.7007.29%7.29%$38.43
11/26/200811/26/2008$0.7004.30%4.30%$65.09
08/28/200808/28/2008$0.7003.96%3.96%$70.74
05/29/200805/29/2008$0.7003.20%3.20%$87.58
02/27/200802/27/2008$0.7003.10%3.21%$87.13
12/13/200712/13/2007$0.7003.05%3.28%$85.32
08/30/200708/30/2007$0.7002.40%2.69%$104.15
05/30/200705/30/2007$0.6002.17%2.17%$110.75
02/26/200702/26/2007$0.6001.95%1.95%$123.13
11/29/200611/29/2006$0.6001.89%2.01%$119.25
08/30/200608/30/2006$0.6001.72%1.96%$122.31
05/30/200605/30/2006$0.6001.70%2.10%$114.40
02/24/200602/24/2006$0.4501.59%1.59%$113.31
11/29/200511/29/2005$0.4501.58%1.63%$110.58
08/30/200508/30/2005$0.4501.61%1.71%$105.31
05/27/200505/27/2005$0.4501.60%1.75%$103.05
02/24/200502/24/2005$0.4001.62%1.62%$98.57
11/29/200411/29/2004$0.4001.52%1.52%$105.30
08/31/200408/31/2004$0.4001.58%1.68%$94.98
05/27/200405/27/2004$0.4001.55%1.77%$90.48
02/25/200402/25/2004$0.4001.38%1.70%$94.20
11/26/200311/26/2003$0.3001.28%1.28%$94.00
08/28/200308/28/2003$0.3001.43%1.43%$84.21
05/29/200305/29/2003$0.3001.34%1.40%$85.59
02/27/200302/27/2003$0.3001.39%1.51%$79.41
11/27/200211/27/2002$0.3001.28%1.47%$81.75
08/29/200208/29/2002$0.2501.19%1.19%$84.37
05/30/200205/30/2002$0.2501.15%1.15%$87.20
02/26/200202/26/2002$0.2501.31%1.31%$76.15
11/29/200111/29/2001$0.2501.39%1.39%$72.10
08/30/200108/30/2001$0.2501.37%1.37%$73.05
05/30/200105/30/2001$0.2501.16%1.32%$75.50
02/23/200102/23/2001$0.2501.11%1.49%$67.33
11/29/200011/29/2000$0.2501.15%1.83%$54.51
08/30/200008/30/2000$0.1251.04%1.04%$48.23
05/30/200005/30/2000$0.1251.11%1.11%$45.13
02/28/200002/28/2000$0.1251.29%1.36%$36.74
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Dividend Payout Ratio

Tracks the percentage of earnings paid out as dividends each quarter. Lower and stable ratios often indicate safer, more sustainable payouts.

Payout Ratio

Dividend to Free Cash Flow Ratio

Shows dividends as a percentage of free cash flow. Consistently high values may signal limited reinvestment capacity or potential dividend risk.

Dividend/FCF Ratio

Share Price

Historical closing price with range controls. Table view includes quarter‑over‑quarter and year‑over‑year changes for additional context.

MTB Price

Price to Earnings

MTB trades at a 41.1x price-to-earnings ratio. This elevated valuation suggests investors expect strong future growth.

Price to Sales

MTB trades at a 12.3x price-to-sales ratio, providing insight into market valuation relative to revenue generation.

Revenue

MTB generated $2.5B in revenue. Revenue has grown by 68% over the period.

Net Income

MTB reported $0.8B in net income. Net income has grown by 70% over the period.

Revenue vs Net Income

MTB generated $2.5B in revenue with net income of $0.8B, representing a 30.0% net profit margin.

Gross Profit

MTB achieved $1.9B in gross profit, showing revenue after direct production costs.

Operating Income

MTB generated $0.9B in operating income, representing profit from core business operations.

EBITDA

MTB generated $1.0B in EBITDA, measuring operational profitability before interest, taxes, depreciation, and amortization.

Operating Cash Flow

MTB generated $0.9B in operating cash flow, demonstrating the company’s ability to convert earnings into cash.

Free Cash Flow

MTB generated $0.8B in free cash flow. Free cash flow has increased by 70% over the period.

Free Cash Flow / Share

MTB generates $5.07 in free cash flow per share. FCF per share has grown by 70% over the period.

Earnings Per Share (EPS)

MTB reported $4.91 in earnings per share. EPS has grown by 70% over the period.

Return on Equity (ROE)

MTB delivered a 25.0% return on equity, indicating how effectively the company generates returns for shareholders.

Return on Assets (ROA)

MTB achieved a 15.0% return on assets, measuring how efficiently the company uses its assets to generate profit.

Net Profit Margin

MTB maintains a 30.0% net profit margin, showing the percentage of revenue retained as profit after all expenses.

Gross Profit Margin

MTB operates with a 75.1% gross profit margin, reflecting pricing power and cost efficiency in core operations.

Cash & Debt

MTB holds $0.4B in cash against $0.1B in debt, resulting in a net cash position of $0.3B.

Shares Outstanding

MTB has 0.2B shares outstanding.

Stock-Based Comp

MTB reported $0.1B in stock-based compensation. Over the period, stock-based compensation has increased by 68%.

FCF vs Stock Based Comp

MTB generated $0.8B in free cash flow while spending $0.1B on stock-based compensation, representing 8% of FCF.

FCF vs FCF / Share

MTB reported $0.8B in free cash flow, translating to $5.07 per share.

Revenue: Actual + Estimates

This chart tracks MTB revenue: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

EPS: Actual + Estimates

This chart tracks MTB eps: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

Net Income: Actual + Estimates

This chart tracks MTB net income: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

EBITDA: Actual + Estimates

This chart tracks MTB ebitda: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

Disclaimer: The information on this page is for educational and entertainment purposes only and does not constitute financial advice. Do your own research and consult a qualified financial advisor before making investment decisions. Data sources include Yahoo Finance and other third-party providers and may contain errors or delays.

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