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MS vs MTB: Dividend Comparison 2026

MS yields 2.48% · MTB yields 2.91%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 MS wins by $167.38M in total portfolio value
10 years
MS
MS
● Live price
2.48%
Share price
$158.32
Annual div
$3.93
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$167.43M
Annual income
$155,391,640.16
Full MS calculator →
MTB
MTB
● Live price
2.91%
Share price
$201.13
Annual div
$5.85
5Y div CAGR
29.4%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$48.5K
Annual income
$7,904.03
Full MTB calculator →

Portfolio growth — MS vs MTB

📍 MS pulled ahead of the other in Year 1

Annual dividend income

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Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis PeriodMSMTB
2008–2009
GFC
— No data— No data
2020 Q1–Q2
COVID
— No data— No data
2022 Q4
Rate Hike
— No data— No data
Based on dividend payment history. "Increased" = dividend grew during crisis. "Maintained" = held within 3%. "Cut" = reduced by more than 3%.
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Dividend Calendar Overlap

Combined, MS + MTB cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
MS pays
MTB pays
Both pay
Neither
💰

Tax Bracket Optimizer

Which stock is actually better after tax? Adjust your rate to find out.

MS
Annual income on $10K today (after 15% tax)
$210.73/yr
After 10yr DRIP, annual income (after tax)
$132,082,894.14/yr
MTB
Annual income on $10K today (after 15% tax)
$247.23/yr
After 10yr DRIP, annual income (after tax)
$6,718.43/yr
At 15% tax rate, MS beats the other by $132,076,175.71/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of MS + MTB for your $10,000?

MS: 50%MTB: 50%
100% MTB50/50100% MS
Portfolio after 10yr
$83.74M
Annual income
$77,699,772.09/yr
Blended yield
92.79%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on MS right now

MS
Analyst Ratings
27
Buy
24
Hold
Consensus: Buy
Price Target
$196.00
+23.8% upside vs current
Range: $165.00 — $220.00
Altman Z
0.4
Piotroski
6/9
MTB
Analyst Ratings
15
Buy
29
Hold
4
Sell
Consensus: Hold
Price Target
$228.63
+13.7% upside vs current
Range: $208.00 — $255.00
Altman Z
-0.3
Piotroski
8/9
Analyst ratings via FMP. Altman Z-Score: >3.0 safe, 1.81–3.0 grey zone, <1.81 distress. Piotroski: 7–9 strong, 0–3 weak.
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

MS buys
0
MTB buys
0
No recent congressional trades found for MS or MTB in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricMSMTB
Forward yield2.48%2.91%
Annual dividend / share$3.93$5.85
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%29.4%
Portfolio after 10y$167.43M$48.5K
Annual income after 10y$155,391,640.16$7,904.03
Total dividends collected$166.51M$24.8K
Payment frequencyquarterlyquarterly
SectorFinancialsFinancials
Analyst consensusBuyHold
Analyst price target$196.00$228.63

Year-by-year: MS vs MTB ($10,000, DRIP)

YearMS PortfolioMS Income/yrMTB PortfolioMTB Income/yrGap
1← crossover$11,196$495.85$11,076$376.37+$120.00MS
2$13,017$1,037.65$12,356$504.15+$661.00MS
3$16,183$2,255.06$13,901$680.12+$2.3KMS
4$22,557$5,240.32$15,799$925.35+$6.8KMS
5$37,788$13,652.33$18,177$1,271.90+$19.6KMS
6$83,183$42,749.57$21,219$1,769.67+$62.0KMS
7$264,902$175,896.68$25,203$2,498.31+$239.7KMS
8$1,330,469$1,047,023.74$30,556$3,588.54+$1.30MMS
9$11,252,891$9,829,288.79$37,956$5,261.49+$11.21MMS
10$167,432,233$155,391,640.16$48,517$7,904.03+$167.38MMS

MS vs MTB: Complete Analysis 2026

MSFinancials

Morgan Stanley, a financial holding company, provides various financial products and services to corporations, governments, financial institutions, and individuals in the Americas, Europe, the Middle East, Africa, and Asia. It operates through Institutional Securities, Wealth Management, and Investment Management segments. The Institutional Securities segment offers capital raising and financial advisory services, including services related to the underwriting of debt, equity, and other securities, as well as advice on mergers and acquisitions, restructurings, real estate, and project finance. This segment also provides sales and trading services, such as sales, financing, prime brokerage, and market-making services in equity and fixed income products consisting of foreign exchange and commodities; corporate and commercial real estate loans, which provides secured lending facilities and financing for sales and trading customers, and asset-backed and mortgage lending; and wealth management services, investment, and research services. The Wealth Management segment offers financial advisor-led brokerage and investment advisory services; self-directed brokerage services; financial and wealth planning services; workplace services, including stock plan administration; annuity and insurance products; securities-based lending, residential real estate loans, and other lending products; banking; and retirement plan services to individual investors and small to medium-sized businesses and institutions. The Investment Management segment provides equity, fixed income, liquidity, and alternative/other products to benefit/defined contribution plans, foundations, endowments, government entities, sovereign wealth funds, insurance companies, and third-party fund sponsors and corporations through institutional and intermediary channels. Morgan Stanley was founded in 1924 and is headquartered in New York, New York.

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MTBFinancials

M&T Bank Corporation operates as a bank holding company that provides commercial and retail banking services. The company's Business Banking segment offers deposit, lending, cash management, and other financial services to small businesses and professionals. Its Commercial Banking segment provides deposit products, commercial lending and leasing, letters of credit, and cash management services for middle-market and large commercial customers. The company's Commercial Real Estate segment originates, sells, and services commercial real estate loans; and offers deposit services. Its Discretionary Portfolio segment provides deposits; securities, residential real estate loans, and other assets; and short and long term borrowed funds, as well as foreign exchange services. The company's Residential Mortgage Banking segment offers residential real estate loans for consumers and sells those loans in the secondary market; and purchases servicing rights to loans originated by other entities. Its Retail Banking segment offers demand, savings, and time accounts; consumer installment loans, automobile and recreational finance loans, home equity loans and lines of credit, and credit cards; mutual funds and annuities; and other services. The company also provides trust and wealth management; fiduciary and custodial; insurance agency; institutional brokerage and securities; and investment management services. It offers its services through banking offices, business banking centers, telephone and internet banking, and automated teller machines. As of December 31, 2021, the company operates 688 domestic banking offices in New York State, Maryland, New Jersey, Pennsylvania, Delaware, Connecticut, Virginia, West Virginia, and the District of Columbia; and a full-service commercial banking office in Ontario, Canada. M&T Bank Corporation was founded in 1856 and is headquartered in Buffalo, New York.

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⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.