What if you'd held MTB?
A $1,000 investment in M&T Bank Corporation (MTB) at the month-end close of 1980-03 would be worth $1.21M at the close of 2026-08 — +120964.4% total return, dividends reinvested. The same $1,000 in the S&P 500 would be worth $75,502.
Your scenario
Result
If you'd bought $1,000 at the start of each year
Value of $1,000 invested on January 1 of each year, held to 2026-08, dividends included.
Every year, $1,000 from 1980
| Year | Value of $1,000 | Year return |
|---|---|---|
| 1980 | $1,000 | — |
| 1981 | $1,202 | +20.2% |
| 1982 | $1,517 | +26.1% |
| 1983 | $2,360 | +55.6% |
| 1984 | $2,861 | +21.3% |
| 1985 | $4,314 | +50.8% |
| 1986 | $4,816 | +11.6% |
| 1987 | $5,284 | +9.7% |
| 1988 | $6,785 | +28.4% |
| 1989 | $8,689 | +28.0% |
| 1990 | $7,393 | -14.9% |
| 1991 | $13,707 | +85.4% |
| 1992 | $18,716 | +36.5% |
| 1993 | $19,840 | +6.0% |
| 1994 | $19,462 | -1.9% |
| 1995 | $31,640 | +62.6% |
| 1996 | $42,269 | +33.6% |
| 1997 | $68,867 | +62.9% |
| 1998 | $77,459 | +12.5% |
| 1999 | $62,411 | -19.4% |
| 2000 | $103,828 | +66.4% |
| 2001 | $112,795 | +8.6% |
| 2002 | $124,456 | +10.3% |
| 2003 | $156,369 | +25.6% |
| 2004 | $174,411 | +11.5% |
| 2005 | $179,347 | +2.8% |
| 2006 | $204,795 | +14.2% |
| 2007 | $140,218 | -31.5% |
| 2008 | $102,438 | -26.9% |
| 2009 | $126,063 | +23.1% |
| 2010 | $169,912 | +34.8% |
| 2011 | $154,372 | -9.1% |
| 2012 | $205,631 | +33.2% |
| 2013 | $249,432 | +21.3% |
| 2014 | $275,420 | +10.4% |
| 2015 | $271,876 | -1.3% |
| 2016 | $359,314 | +32.2% |
| 2017 | $400,097 | +11.4% |
| 2018 | $341,746 | -14.6% |
| 2019 | $415,737 | +21.7% |
| 2020 | $323,619 | -22.2% |
| 2021 | $402,196 | +24.3% |
| 2022 | $390,356 | -2.9% |
| 2023 | $383,795 | -1.7% |
| 2024 | $543,680 | +41.7% |
| 2025 | $600,296 | +10.4% |
| 2026 | $738,822 | +23.1% |
Best and worst month-end to buy
The best single month-end close to have bought MTB was 1980-03 ($0.20): $1,000 then is $1.21M today. The worst was 2026-07 ($246): $1,000 then is $993.
FAQ
What would $1,000 in MTB be worth today?
A $1,000 investment in M&T Bank Corporation (MTB) at the start of 1980 would be worth about $1.21M today, a total return of +120964.4%. Dividends are reinvested in these figures.
What were the best and worst years for MTB?
M&T Bank Corporation (MTB)'s strongest calendar year since 1980 was 1991, a +85.4% return — $1,000 held through that year became about $1,854 by year-end. Its weakest year was 2007, at -31.5%.
Does the calculator include dividends and splits?
Yes where available. Prices are adjusted for both stock splits and reinvested dividends (total return), the same measure brokerages use.
How much would $100 per month in MTB have grown?
Investing $100 at the end of every month since 1980-03 would have grown to about $4.77M on $55,800 invested.
Did MTB beat the S&P 500?
Over the same period, $1,000 in the S&P 500 index would be worth $75,502. MTB beat the S&P 500 by +1503.5% in total return.
Is this investment advice?
No. What If I'd Held is an entertainment and education tool. Every number is a historical calculation, not a prediction, and past performance never guarantees future results.
Methodology
M&T Bank Corporation (MTB) historical total-return data from 1980-03 to 2026-08, reduced to month-end closes for the tables above.
Returns use adjusted close prices from Yahoo Finance historical data — adjusted for stock splits and reinvested dividends — the same convention used by major brokerages. A "year" scenario invests $1,000 at the prior December's month-end close and values it at the latest available month-end close. Non-USD amounts are converted at historical month-end exchange rates (Yahoo Finance): to USD on the buy date and back to your currency at the latest rate, so the return reflects the currency move as well as the asset.
Month-end resolution means intra-month extremes are not captured in tables; the calculator uses exact trading-day closes where daily data is available. Figures ignore taxes, fees, and the currency effects of non-USD listings. History is not a forecast. What If I'd Held is entertainment, not investment advice.
What if you'd held…
Data: adjusted close prices via Yahoo Finance. As of 2026-08. Not financial advice.