
M&T Bank Corporation
NYSE•MTB
CEO: Mr. Rene F. Jones CPA
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 1980-03-17
M&T Bank Corporation operates as a bank holding company for Manufacturers and Traders Trust Company and Wilmington Trust, National Association that engages in the provision of retail and commercial banking products and services in the United States. The company operates through three segments: Commercial Bank, Retail Bank, and Institutional Services and Wealth Management. It offers a range of credit products and banking services, such as commercial lending and leasing, letters of credits, commercial real estate loans, and credit facilities secured by various commercial real estate to middle-market and large commercial customers. The company also provides customers deposit products, including demand, savings and time accounts, and other services; automobile and recreational finance loans, home equity loans and lines of credit, credit cards, and other loan products, as well as residential mortgage and real estate loans; business loans, cash management, payroll, and direct deposit services to consumers and small businesses through branch network, telephone banking, internet banking, and automated teller machines. In addition, it offers trustee, agency, investment management, security brokerage, and administrative services; personal trust, planning, fiduciary, asset management, family office, and other services; and investment products, including mutual funds and annuities, and other services for corporations and institutions, investment bankers, corporate tax, finance and legal executives, and other institutional clients. The company was founded in 1856 and is headquartered in Buffalo, New York.
Contact Information
Market Cap
$32.63B
P/E (TTM)
12.2
15.1
Dividend Yield
2.7%
52W High
$215.49
52W Low
$150.75
52W Range
Rank33Top 25.7%
4.8
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Average • 4.8 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025
Financial Dashboard
Q4 2025 Data
Revenue
$3.33B-0.24%
4-Quarter Trend
EPS
$4.64+19.59%
4-Quarter Trend
FCF
$0.00+0.00%
4-Quarter Trend
2025 Q3 Earnings Highlights
Key Highlights
NIM Expansion Drives Profitability Taxable-equivalent NIM rose 8 bps YTD to 3.66%; Net income grew 10% YTD to $2.09B, reflecting asset repricing benefits.
Asset Quality Shows Improvement Nonaccrual loans fell $178M since year-end to $1.51B, resulting in the nonaccrual ratio decreasing to 1.10% of total loans.
Strong Capital Position Maintained CET1 capital ratio stands at 12.24%, significantly exceeding the 4.50% regulatory minimum, supported by $2.2B in YTD share repurchases.
Noninterest Income Significantly Higher YTD noninterest income increased $276M, primarily driven by higher residential mortgage banking revenues and increased trust management fees.
Risk Factors
CRE Concentration Remains Elevated Commercial real estate loan concentration approximated 128% of Tier 1 capital plus allowance, despite ongoing reduction strategies throughout 2024/2025.
Economic Forecast Sensitivity Allowance for loan losses relies on a two-year macroeconomic forecast period, sensitive to potential adverse shifts in unemployment or GDP growth.
Potential Litigation Exposure Management assesses potential losses from pending legal matters, estimating the aggregate range of reasonably possible losses between $0 and $25 million.
New Capital Rules Evaluation Management is evaluating the impact of proposed federal regulatory capital rules, which could affect capital ratios upon finalization.
Outlook
Continued CRE De-risking Focus Company executed strategies to lessen CRE concentration and reduce criticized loans in that category throughout 2025.
Liquidity Profile Remains Stable Available liquidity sources cover uninsured deposits by approximately 133%, supported by strong core deposit growth and wholesale funding access.
Managing Interest Rate Risk Management continues to use interest rate swaps to hedge exposure and limit variability of net interest income under rate changes.
Adoption of New Tax Disclosures Preparing for adoption of new Income Tax disclosure standards by December 31, 2025, requiring enhanced tabular reconciliation disclosures.
Peer Comparison
Revenue (TTM)
NWG$38.38B
$35.30B
TFC$30.43B
Gross Margin (Latest Quarter)
RF79.8%
MTB70.5%
FITB63.8%
Key Metrics
Symbol | Market Cap | P/E (TTM) | ROE (TTM) | Debt to Assets |
|---|---|---|---|---|
| TFC | $64.46B | 12.4 | 8.1% | 13.1% |
| NWG | $34.99B | 4.6 | 13.8% | 0.8% |
| MTB | $32.63B | 12.2 | 9.9% | 6.1% |
Long-Term Trends
Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
1.7%
Moderate Growth
4Q Net Income CAGR
9.1%
Profitability Improving
Cash Flow Stability
75%
Volatile Cash Flow
Research & Insights
Next earnings:Jul 15, 2026
EPS:-
|Revenue:-
Reports
All Years
Form 10-Q - Q3 2025
Period End: Sep 30, 2025|Filed: Oct 27, 2025|Revenue: $2.51B-25.9%|EPS: $4.85+20.1%BeatForm 10-Q - Q2 2025
Period End: Jun 30, 2025|Filed: Aug 4, 2025|Revenue: $3.29B-2.4%|EPS: $4.28+14.1%BeatForm 10-Q - Q1 2025
Period End: Mar 31, 2025|Filed: May 5, 2025|Revenue: $3.17B-3.9%|EPS: $3.33+9.5%MeetForm 10-K - FY 2024
Period End: Dec 31, 2024|Filed: Feb 19, 2025|Revenue: $13.41B+7.2%|EPS: $14.71-7.2%BeatForm 10-Q - Q3 2024
Period End: Sep 30, 2024|Filed: Nov 5, 2024|Revenue: $3.39B+5.9%|EPS: $4.04+1.0%BeatForm 10-Q - Q2 2024
Period End: Jun 30, 2024|Filed: Aug 5, 2024|Revenue: $3.37B+1.6%|EPS: $3.75-26.0%BeatForm 10-Q - Q1 2024
Period End: Mar 31, 2024|Filed: May 3, 2024|Revenue: $3.30B+14.0%|EPS: $3.04-24.6%MeetForm 10-K - FY 2023
Period End: Dec 31, 2023|Filed: Feb 21, 2024|Revenue: $12.51B+48.2%|EPS: $15.85+36.8%Beat