M&T Bank Corporation vs Paycom Software Inc — how do they compare? M&T Bank Corporation trades at $217.44 (market cap $31.42B), while Paycom Software Inc trades at $230.94 (market cap $10.36B). The key difference: M&T Bank Corporation is far larger — about 3× Paycom Software Inc's market cap, and M&T Bank Corporation pays the higher dividend (2.76%). Which is the better fit depends on your goals — on Pluang, investors hold M&T Bank Corporation for 100 Days and Paycom Software Inc for 84 Days on average.
| MTB | PAYC | |
|---|---|---|
Market Cap | $31.42B | $10.36B |
Volume | 1,438,219 | 666,294 |
Sector | Financials | Technology |
52-Week High | $254.09 | $240.52 |
52-Week Low | $178.63 | $113.59 |
Typical Hold Time | 100 Days | 84 Days |
Enterprise Value | $47.77B | $11.15B |
Dividend Yield | 2.76% | 0.65% |
Signals from Pluang's Aura AI — not financial advice
M&T Bank (MTB) trades at $216.60, down 0.98% with a bearish technical outlook. The stock shows strong fundamentals with a P/E of 11.52 and net income margin of 30.85%, supported by three consecutive quarterly earnings beats. Recent news highlights dividend strength and branch expansion, while cash flow trends show operational stability despite negative net cash flow in 2025.
MTB presents a value opportunity with attractive valuation metrics and consistent profitability, though technical weakness and declining cash flow warrant caution. Analyst consensus targets $258.92 (19.5% upside) with 31% buy ratings, but bearish technical signals and rising debt levels pose near-term risks.
Paycom Software (PAYC) trades at $230.80, up 3.23% with strong technical momentum and bullish moving average signals. The company demonstrates robust fundamentals with 10% revenue growth in Q2 2026, 83.67% gross margins, and consistent earnings beats. Recent institutional buying and positive analyst coverage support the stock's upward trajectory, though valuation multiples remain elevated compared to industry peers.
Outlook remains positive with raised 2026 guidance targeting 7-8% revenue growth and 46% EBITDA margins. Key risks include competitive pressures in payroll software and market volatility. The consensus price target of $207.75 suggests potential downside from current levels despite strong operational performance.
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M&T Bank is one of the largest regional banks in the United States, with branches in New York, Pennsylvania, West Virginia, Virginia, Maryland, Delaware, and New Jersey. The bank was founded to serve manufacturing and trading businesses around the Erie Canal and is primarily focused on commercial real estate and commercial-related lending, with some retail operations also present.
Read more on MTB →Paycom is a fast-growing provider of payroll and human capital management, or HCM, software primarily targeting clients with 50-10,000 employees in the United States. Paycom was established in 1998 and services about 18,000 clients as of 2021, based on parent company grouping. Alongside its core payroll software, Paycom offers various HCM add-on modules, including time and attendance, talent management, and benefits administration.
Read more on PAYC →