HomeCompareMTB vs WSO

MTB vs WSO: Dividend Comparison 2026

MTB yields 2.91% · WSO yields 3.44%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 WSO wins by $1.96M 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 →
WSO
WSO
● Live price
3.44%
Share price
$348.91
Annual div
$12.00
5Y div CAGR
65%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$2.01M
Annual income
$1,453,019.57
Full WSO calculator →

Portfolio growth — MTB vs WSO

📍 WSO 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 PeriodMTBWSO
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 + WSO cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
MTB pays
WSO 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
WSO
Annual income on $10K today (after 15% tax)
$292.34/yr
After 10yr DRIP, annual income (after tax)
$1,235,066.63/yr
At 15% tax rate, WSO beats the other by $1,228,348.21/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

MTB: 50%WSO: 50%
100% WSO50/50100% MTB
Portfolio after 10yr
$1.03M
Annual income
$730,461.79/yr
Blended yield
71.02%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on MTB 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
WSO
Analyst Ratings
8
Buy
16
Hold
2
Sell
Consensus: Hold
Price Target
$378.50
+8.5% upside vs current
Range: $349.00 — $425.00
Altman Z
10.0
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
WSO buys
0
No recent congressional trades found for MTB or WSO in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricMTBWSO
Forward yield2.91%3.44%
Annual dividend / share$5.85$12.00
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR29.4%65%
Portfolio after 10y$48.5K$2.01M
Annual income after 10y$7,904.03$1,453,019.57
Total dividends collected$24.8K$1.93M
Payment frequencyquarterlyquarterly
SectorFinancialsStock
Analyst consensusHoldHold
Analyst price target$228.63$378.50

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

YearMTB PortfolioMTB Income/yrWSO PortfolioWSO Income/yrGap
1← crossover$11,076$376.37$11,267$567.48$191.00WSO
2$12,356$504.15$13,042$986.00$686.00WSO
3$13,901$680.12$15,715$1,759.96$1.8KWSO
4$15,799$925.35$20,085$3,270.17$4.3KWSO
5$18,177$1,271.90$27,936$6,445.13$9.8KWSO
6$21,219$1,769.67$43,716$13,823.69$22.5KWSO
7$25,203$2,498.31$80,133$33,357.25$54.9KWSO
8$30,556$3,588.54$180,032$94,289.78$149.5KWSO
9$37,956$5,261.49$519,300$326,665.44$481.3KWSO
10$48,517$7,904.03$2,008,670$1,453,019.57$1.96MWSO

MTB vs WSO: 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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WSOStock

Watsco, Inc., together with its subsidiaries, distributes air conditioning, heating, refrigeration equipment, and related parts and supplies. The company distributes equipment comprising residential ducted and ductless air conditioners, such as gas, electric, and oil furnaces; commercial air conditioning and heating equipment systems; and other specialized equipment. It also offers parts, including replacement compressors, evaporator coils, motors, and other component parts; and supplies, such as thermostats, insulation materials, refrigerants, ductworks, grills, registers, sheet metals, tools, copper tubing, concrete pads, tapes, adhesives, and other ancillary supplies, as well as plumbing and bathroom remodeling supplies. The company serves contractors and dealers that service the replacement and new construction markets for residential and light commercial central air conditioning, heating, and refrigeration systems. As of December 31, 2021, it operated from 671 locations in the United States, Canada, Mexico, and Puerto Rico, as well as exports its products to Latin America and the Caribbean Basin. Watsco, Inc. was founded in 1945 and is headquartered in Miami, Florida.

Full WSO 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.