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
$30.16B
P/E (TTM)
11.2
13.4
Dividend Yield
3.0%
52W High
$239.00
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
$467.00M+0.00%
4-Quarter Trend
2025 Annual Earnings Highlights
Key Highlights
Net Income Increased 10% GAAP Net income rose 10% to $2.85B in 2025, driven by strong noninterest income growth of 13%.
NIM Widens Modestly Taxable-equivalent Net Interest Margin widened 9 basis points to 3.67%, reflecting loan growth and asset repricing.
Credit Quality Shows Improvement Provision for credit losses decreased 17% to $505M, as nonaccrual loans fell to 0.90% of total loans.
Capital Deployment Active Consolidated assets reached $213.5B; management executed $2.66B in common stock repurchases during 2025.
Risk Factors
Deteriorating Credit Quality Risk Deteriorating credit quality, particularly in CRE and C&I segments, remains a primary risk factor influencing provisioning.
Interest Rate Sensitivity Exposure Significant exposure to market interest rate volatility impacting net interest income and the fair value of financial instruments.
Regulatory Capital Requirements Subject to enhanced prudential standards; M&T's SCB of 2.7% became effective October 1, 2025.
Liquidity and Funding Stability Maintaining stable funding sources is critical; reliance on core deposits versus potential higher wholesale funding costs.
Outlook
Credit Loss Forecasting Uncertainty Management continues rigorous loan grading and monitoring economic forecasts impacting future allowance for loan losses estimates.
Adapting Capital Framework Evaluating proposed Basel III revisions; capital planning remains subject to Federal Reserve supervisory stress test outcomes.
Loan Portfolio Concentration Shift Executing strategies to lessen relative concentration in commercial real estate loans throughout 2025 and 2026.
New Servicing Asset Accounting Elected prospective fair value measurement for residential mortgage loan servicing assets effective January 1, 2026.
Peer Comparison
Revenue (TTM)
$57.86B
$38.90B
$35.72B
Gross Margin (Latest Quarter)
79.8%
71.4%
70.5%
Key Metrics
Symbol | Market Cap | P/E (TTM) | ROE (TTM) | Debt to Assets |
|---|---|---|---|---|
| TFC | $54.75B | 10.5 | 8.2% | 12.7% |
| KB | $35.67B | 9.6 | 9.8% | 0.0% |
| BBDO | $33.43B | 8.5 | 13.6% | 34.1% |
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
100%
Strong Cash Flow
Deep Research
Next earnings:Jul 15, 2026
EPS:-
|Revenue:-
Financials
Earnings Calls
Reports
News
Income Statement
Balance Sheet
Cash Flow Statement
Ratios
% Chg.
Income Statement | LTM |
|---|
No Data