HomeCompareMTB vs CARR

MTB vs CARR: Dividend Comparison 2026

MTB yields 2.91% · CARR yields 1.68%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 CARR wins by $31.12M in total portfolio value· pulled ahead in Year 2
10 years
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 →
CARR
CARR
● Live price
1.68%
Share price
$54.36
Annual div
$0.92
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$31.17M
Annual income
$27,977,126.68
Full CARR calculator →

Portfolio growth — MTB vs CARR

📍 CARR pulled ahead of the other in Year 2

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 PeriodMTBCARR
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%.
📅

Dividend Calendar Overlap

Combined, MTB + CARR cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

MTB
Annual income on $10K today (after 15% tax)
$247.23/yr
After 10yr DRIP, annual income (after tax)
$6,718.43/yr
CARR
Annual income on $10K today (after 15% tax)
$143.07/yr
After 10yr DRIP, annual income (after tax)
$23,780,557.68/yr
At 15% tax rate, CARR beats the other by $23,773,839.25/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

MTB: 50%CARR: 50%
100% CARR50/50100% MTB
Portfolio after 10yr
$15.61M
Annual income
$13,992,515.35/yr
Blended yield
89.64%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on CARR right now

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
CARR
Analyst Ratings
13
Buy
11
Hold
1
Sell
Consensus: Buy
Price Target
$67.88
+24.9% upside vs current
Range: $55.00 — $74.00
Altman Z
2.4
Piotroski
6/9
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)

MTB buys
0
CARR buys
0
No recent congressional trades found for MTB or CARR in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricMTBCARR
Forward yield2.91%1.68%
Annual dividend / share$5.85$0.92
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR29.4%100%
Portfolio after 10y$48.5K$31.17M
Annual income after 10y$7,904.03$27,977,126.68
Total dividends collected$24.8K$30.90M
Payment frequencyquarterlyquarterly
SectorFinancialsIndustrials
Analyst consensusHoldBuy
Analyst price target$228.63$67.88

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

YearMTB PortfolioMTB Income/yrCARR PortfolioCARR Income/yrGap
1$11,076$376.37$11,037$336.64+$39.00MTB
2← crossover$12,356$504.15$12,504$694.47$148.00CARR
3$13,901$680.12$14,850$1,470.63$949.00CARR
4$15,799$925.35$19,154$3,264.56$3.4KCARR
5$18,177$1,271.90$28,365$7,870.58$10.2KCARR
6$21,219$1,769.67$52,137$21,786.34$30.9KCARR
7$25,203$2,498.31$130,637$74,850.27$105.4KCARR
8$30,556$3,588.54$490,339$350,558.26$459.8KCARR
9$37,956$5,261.49$2,984,115$2,459,451.41$2.95MCARR
10$48,517$7,904.03$31,170,129$27,977,126.68$31.12MCARR

MTB vs CARR: Complete Analysis 2026

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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CARRIndustrials

Carrier Global Corporation provides heating, ventilating, and air conditioning (HVAC), refrigeration, fire, security, and building automation technologies worldwide. It operates through three segments: HVAC, Refrigeration, and Fire & Security. The HVAC segment provides products, controls, services, and solutions to meet the heating, cooling, and ventilation needs of residential and commercial customers. Its products include air conditioners, heating systems, controls, and aftermarket components, as well as aftermarket repair and maintenance services and building automation solutions. The Refrigeration segment offers transport refrigeration and monitoring products and services, as well as digital solutions for trucks, trailers, shipping containers, intermodal applications, food retail, and warehouse cooling; and commercial refrigeration solutions, such as refrigerated cabinets, freezers, systems, and controls. The Fire & Security segment provides various residential, commercial, and industrial technologies, including fire, flame, gas, smoke, and carbon monoxide detection; portable fire extinguishers; fire suppression systems; intruder alarms; access control systems; video management systems; and electronic controls. Its other fire and security service offerings comprise audit, design, installation, and system integration, as well as aftermarket maintenance and repair and monitoring services. The company offers its products under the Autronica, Det-Tronics, Edwards, Fireye, GST, Kidde, LenelS2, Marioff, Onity, and Supra; Carrier, Automated Logic, Bryant, CIAT, Day & Night, Heil, NORESCO, and Riello; and Carrier Commercial Refrigeration, Carrier Transicold, and Sensitech brands. The company was incorporated in 2019 and is headquartered in Palm Beach Gardens, Florida.

Full CARR Calculator →
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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.