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M&T Bank Corporation

M&T Bank Corporation

NYSE•MTB
CEO: Mr. Rene F. Jones CPA
セクター: Financial Services
業種: Banks - Regional
上場日: 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.
連絡先情報
One M&T Plaza, Buffalo, NY, 14203, United States
716-635-4000
www3.mtb.com
時価総額
$35.10B
PER (TTM)
13.1
14.6
配当利回り
2.5%
52週高値
$239.00
52週安値
$150.75
52週レンジ
88%
順位33Top 25.7%
4.8
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
堅調 • 4.8 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$3.33B-0.24%
直近4四半期の推移

EPS

$4.64+19.59%
直近4四半期の推移

フリーCF

$0.00+0.00%
直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

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.

リスク要因

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.

見通し

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.

同業比較

売上高 (TTM)

Banco Bradesco S.A.BBDO
$57.86B
+29.7%
NatWest Group plcNWG
$38.38B
+67.9%
KB Financial Group Inc.KB
$35.48B
+32.9%

粗利益率 (最新四半期)

Regions Financial CorporationRF
79.8%
+8.8pp
Fifth Third BancorpFITB
71.4%
+10.6pp
M&T Bank CorporationMTB
70.5%
+4.0pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
TFC$66.78B12.58.2%12.7%
KB$40.51B10.310.0%0.0%
BBDO$37.87B9.413.6%34.1%

長期トレンド

直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
1.7%
緩やかな成長
4四半期純利益CAGR
9.1%
収益性の着実な向上
キャッシュフロー安定性
75%
キャッシュフローの変動が大きい

深度リサーチ

次回決算:2026年7月15日
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EPS:-
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売上高:-
財務レポート
財務データ
ニュース
全年度
  • Form 10-Q - Q3 2025

    会計期末: 2025年9月30日|提出日: 2025年10月27日|
    売上高: $2.51B-25.9%
    |
    EPS: $4.85+20.1%
    予想を上回る
  • Form 10-Q - Q2 2025

    会計期末: 2025年6月30日|提出日: 2025年8月4日|
    売上高: $3.29B-2.4%
    |
    EPS: $4.28+14.1%
    予想を上回る
  • Form 10-Q - Q1 2025

    会計期末: 2025年3月31日|提出日: 2025年5月5日|
    売上高: $3.17B-3.9%
    |
    EPS: $3.33+9.5%
    予想通り
  • Form 10-K - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年2月19日|
    売上高: $13.41B+7.2%
    |
    EPS: $14.71-7.2%
    予想通り
  • Form 10-Q - Q3 2024

    会計期末: 2024年9月30日|提出日: 2024年11月5日|
    売上高: $3.39B+5.9%
    |
    EPS: $4.04+1.0%
    予想を上回る
  • Form 10-Q - Q2 2024

    会計期末: 2024年6月30日|提出日: 2024年8月5日|
    売上高: $3.37B+1.6%
    |
    EPS: $3.75-26.0%
    予想を上回る
  • Form 10-Q - Q1 2024

    会計期末: 2024年3月31日|提出日: 2024年5月3日|
    売上高: $3.30B+14.0%
    |
    EPS: $3.04-24.6%
    予想通り
  • Form 10-K - FY 2023

    会計期末: 2023年12月31日|提出日: 2024年2月21日|
    売上高: $12.51B+48.2%
    |
    EPS: $15.85+36.8%
    予想通り