HomeCompareMTB vs MMM

MTB vs MMM: Dividend Comparison 2026

MTB yields 2.91% · MMM yields 2.08%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 MTB wins by $28.5K in total portfolio value
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 →
MMM
MMM
● Live price
2.08%
Share price
$142.52
Annual div
$2.97
5Y div CAGR
-50%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$20.0K
Annual income
$0.21
Full MMM calculator →

Portfolio growth — MTB vs MMM

📍 MTB 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 PeriodMTBMMM
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, MTB + MMM cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
MTB pays
MMM 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
MMM
Annual income on $10K today (after 15% tax)
$177.13/yr
After 10yr DRIP, annual income (after tax)
$0.18/yr
At 15% tax rate, MTB beats the other by $6,718.25/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

MTB: 50%MMM: 50%
100% MMM50/50100% MTB
Portfolio after 10yr
$34.3K
Annual income
$3,952.11/yr
Blended yield
11.53%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on MMM 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
MMM
Analyst Ratings
15
Buy
17
Hold
1
Sell
Consensus: Hold
Price Target
$169.50
+18.9% upside vs current
Range: $136.00 — $190.00
Altman Z
4.1
Piotroski
7/9
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
MMM buys
0
No recent congressional trades found for MTB or MMM in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricMTBMMM
Forward yield2.91%2.08%
Annual dividend / share$5.85$2.97
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR29.4%-50%
Portfolio after 10y$48.5K$20.0K
Annual income after 10y$7,904.03$0.21
Total dividends collected$24.8K$210.00
Payment frequencyquarterlyquarterly
SectorFinancialsIndustrials
Analyst consensusHoldHold
Analyst price target$228.63$169.50

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

YearMTB PortfolioMTB Income/yrMMM PortfolioMMM Income/yrGap
1← crossover$11,076$376.37$10,804$104.20+$272.00MTB
2$12,356$504.15$11,613$52.61+$743.00MTB
3$13,901$680.12$12,452$26.42+$1.4KMTB
4$15,799$925.35$13,337$13.24+$2.5KMTB
5$18,177$1,271.90$14,278$6.63+$3.9KMTB
6$21,219$1,769.67$15,280$3.31+$5.9KMTB
7$25,203$2,498.31$16,352$1.66+$8.9KMTB
8$30,556$3,588.54$17,497$0.83+$13.1KMTB
9$37,956$5,261.49$18,722$0.41+$19.2KMTB
10$48,517$7,904.03$20,033$0.21+$28.5KMTB

MTB vs MMM: 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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MMMIndustrials

3M Company operates as a diversified technology company worldwide. It operates through four segments: Safety and Industrial; Transportation and Electronics; Health Care; and Consumer. The Safety and Industrial segment offers industrial abrasives and finishing for metalworking applications; autobody repair solutions; closure systems for personal hygiene products, masking, and packaging materials; electrical products and materials for construction and maintenance, power distribution, and electrical original equipment manufacturers; structural adhesives and tapes; respiratory, hearing, eye, and fall protection solutions; and natural and color-coated mineral granules for shingles. The Transportation and Electronics segment provides ceramic solutions; attachment tapes, films, sound, and temperature management for transportation vehicles; premium large format graphic films for advertising and fleet signage; light management films and electronics assembly solutions; packaging and interconnection solutions; and reflective signage for highway, and vehicle safety. The Healthcare segment offers food safety indicator solutions; health care procedure coding and reimbursement software; skin, wound care, and infection prevention products and solutions; dentistry and orthodontia solutions; and filtration and purification systems. The Consumer segment provides consumer bandages, braces, supports and consumer respirators; cleaning products for the home; retail abrasives, paint accessories, car care DIY products, picture hanging, and consumer air quality solutions; and stationery products. It offers its products through e-commerce and traditional wholesalers, retailers, jobbers, distributors, and dealers. The company was founded in 1902 and is based in St. Paul, Minnesota.

Full MMM 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.