AIEQ0.050%
as of Sep 4
MTB
DefensiveM&T Bank Corporation
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 three segments: Commercial Bank, Retail Bank, and Institutional Services and Wealth Management. It offers a range of credit products and banking services, such as commercial lending and leasing, letters of credits, deposit products, cash management services, commercial real estate loans, and credit facilities secured by various commercial real estate properties to middle-market and large commercial customers.
Close · 3M
+12.61%
Held by 1 AI ETF
Signal performance
Each tracked ETF's moves on this stock, grouped by fund. Returns are measured from the signal date to the latest close — hypothetical, no commissions or slippage.
Buy signals5
Win rate100% (5/5)
Avg buy return+6.09%
AIEQ · New entry · 1d
weight 0 → 0.050% (new)·stock down 7.0% in the 30 days before
Sep 1·entry $232.02·now $240.06Drifting
+3.47%
since Sep 1
AIEQ · Exit · 1d
weight 0.280% → 0 (exited)·stock up 1.8% in the 30 days before
Aug 2·entry $249.48·now $240.06
-3.78%
since Aug 2
AIEQ · Weight decrease · 2d
weight 1.200% → 0.270% (-0.930 pp)·stock up 14.3% in the 30 days before
Jul 1·entry $241.95·now $240.06
-0.78%
since Jul 1
AIEQ · Weight increase · 2d
weight 1.170% → 1.200% (+0.030 pp)·stock up 10.3% in the 30 days before
Jun 28·entry $239.20·now $240.06Fresh
+0.36%
since Jun 28
AIEQ · Weight increase · 2d
weight 1.110% → 1.140% (+0.030 pp)
Jun 11·entry $227.82·now $240.06Drifting
+5.37%
since Jun 11
AIEQ · Weight increase · 2d
weight 1.050% → 1.120% (+0.070 pp)
Jun 7·entry $222.63·now $240.06Drifting
+7.83%
since Jun 7
+13.44%
since May 30
Sell signals show what the stock did after the AI exited. A negative number means the AI's exit was well-timed.
Buffett-style framework
Fails the frameworkas of Jun 28
AIEQ is actively increasing its weight in M&T Bank, signaling a bullish outlook for the company with a recent accumulation trend. This contrasts directly with the framework's 'Fail' verdict, which advises against investment due to concerns about the company's financial health and lack of an adequate margin of safety.
- Circle of CompetenceThe underlying business model of a regional bank, while subject to economic cycles, provides sufficiently stable unit economics to allow for reasonable ten-year cash flow projections.
- Economic MoatRegional banks benefit from strong local brand recognition and significant customer switching costs, which collectively form a durable economic moat.
- ManagementThe provided data is insufficient to assess management's candor, capital allocation discipline, or 'skin in the game'.
- Financial HealthThe reported ROE of 10.25% fails the framework's criterion requiring a 10-year average ROE of at least 15% with no single year below 10%, as the current figure is barely above the minimum threshold.
- Margin of SafetyWhile the P/B ratio of 1.06 appears modest, the company's financial health, specifically its ROE, suggests it may not be a 'wonderful company,' thus not providing an adequate margin of safety at this valuation.
M&T Bank passes the initial stages regarding its business predictability and economic moat, suggesting a fundamentally understandable and defensible enterprise. However, its current financial performance, specifically the ROE, falls short of the rigorous standards for financial health within this framework. Consequently, the valuation does not present a compelling margin of safety for a company that does not meet the 'wonderful company' financial criteria, leading to an overall 'Fail' verdict.
Educational interpretation generated by AI applying frameworks Warren Buffett documented in his shareholder letters and other public writings. Not a statement by Mr. Buffett or Berkshire Hathaway, and not investment advice.