Revenue segments as reported by the company.

Interest income

Interest expense

Revenue Segments

Gross Profit, Operating Income, and Net Income as a percentage of Revenue

Operating Margin

Profit Margin

Margins

An operating expense is an expense a business incurs through its normal business operations. Often abbreviated as OPEX.

Provision for credit losses

Other income

Other expense

Operating Expenses

Year over year growth in Revenue and Operating Expenses.

Revenue Y/Y

OpEx Y/Y

Growth

Shares outstanding refer to a company's stock currently held by all its shareholders, including share blocks held by institutional investors and restricted shares owned by the company's officers and insiders.

Outstanding Shares

Market Cap

Also known as Price/Sales Ratio. Calculated using Average market cap for the quarter / Annualized quarterly revenue.

Revenue Multiple

M&T Bank

Wilmington Trust, based in Paramus, in the U.S. state of New Jersey, was a bank-holding company for Hudson City Savings Bank, its only subsidiary, then the largest savings bank in New Jersey and one of the oldest banks in the United States, with US$50 billion in assets. It is now a fully publicly held entity and a member S&P 500 stock market Index. In 2005, its US$3.93 billion secondary offering of common stock was the largest in United States banking history. At the time, it was also the seventh largest domestic public offering in United States history. wz The bank avoided the excesses of the housing boom and was labeled "best bank of 2007" by Forbes. M&T Bank agreed to acquire Hudson City on August 27, 2012.

Wilmington Trust

Hudson City Bancorp was a bank-holding company for Hudson City Savings Bank, its only subsidiary, then the largest savings bank in New Jersey and one of the oldest banks in the United States, with US$50 billion in assets. It is now a fully publicly held entity and a member S&P 500 stock market Index. In 2005, its US$3.93 billion secondary offering of common stock was the largest in United States banking history. At the time, it was also the seventh largest domestic public offering in United States history. The bank avoided the excesses of the housing boom and was labeled "best bank of 2007" by Forbes. M&T Bank agreed to acquire Hudson City on August 27, 2012.

Hudson City Bancorp

M&T Bank Corp. operates as a bank holding company, which engages in the provision of retail and commercial banking, trust, wealth management and investment services. It operates through the following segments: Business Banking, Commercial Banking, Commercial Real Estate, Discretionary Portfolio, Residential Mortgage Banking, and Retail Banking. The Business Banking segment provides services to small businesses and professionals through the company's branch network, business banking centers, and other delivery channels such as telephone banking, Internet banking and automated teller machines. The Commercial Banking segment offers credit products and banking services for middle-market and large commercial customers. The Commercial Real Estate segment includes credit and deposit services to its customers. The Discretionary Portfolio segment consists of investment and trading securities, residential mortgage loans and other assets, short-term and long-term borrowed funds, brokered certificates of deposit and interest rate swap agreements related thereto, and Cayman Islands branch deposits. The Residential Mortgage Banking segment consists of residential mortgage loans and sells substantially all of those loans in the secondary market to investors. The Retail Banking segment offers services to consumers through several delivery channels which include branch offices, automated teller machines, telephone banking, and Internet banking. The company was founded on August 30, 1856, and is headquartered in Buffalo, NY.

Earnings data Q1 2021

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Earnings data Q1 2023

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M&T Bank reports robust 2022 earnings, eyes growth amid challenges

M&T Bank delivered a strong financial performance in 2022, marked by income growth, margin expansion, and strategic acquisitions.
While challenges from inflation and changing market dynamics are anticipated in 2023, the bank's focus on efficient operations and prudent risk management positions it well.
Opportunities for growth in loan portfolios and debt optimization present avenues for revenue enhancement and asset quality preservation.
Overall, M&T Bank's performance reflects resilience amidst evolving economic conditions and a proactive approach to navigating industry challenges.

M&T Bank reports stellar Q1 results, eyes growth opportunities

M&T Bank's Q1 performance reflects robust revenue growth, strong capital position, and successful integration of People's United, despite challenges in deposit growth and noninterest income.
Opportunities lie in further enhancing net interest income, managing expenses, and leveraging consistent underwriting standards for sustained growth and risk management.
Addressing challenges in deposit retention and noninterest income diversification while capitalizing on opportunities in loan growth and expense management will be key for future success.

M&T Bank posts robust Q2 earnings, eyes growth opportunities

M&T Bank delivered strong financial performance, emphasizing community-focused banking principles and efficient expense management.
While facing challenges like deposit outflows and credit risk, the bank is well-positioned to navigate economic conditions and seize growth opportunities.
By focusing on core businesses, managing interest rate risks, and diversifying funding sources, M&T Bank aims for sustainable growth and resilience.

M&T Bank posts solid Q3 results, eyes growth amid market challenges

M&T Bank's Q3 performance reflects financial stability, community commitment, and strategic resilience amidst evolving market conditions.
While facing credit challenges and market uncertainties, the bank's prudent approach and strong fundamentals position it well for sustainable growth and risk mitigation.
With a focus on customer support, sustainable practices, and strategic expansion, M&T Bank navigates complexities with a long-term vision for value creation and resilience.

M&T Bank reports solid 2023 performance amidst challenges and opportunities

M&T Bank's 2023 performance was strong, driven by community focus and disciplined practices. While facing challenges like higher deposit costs, they are seizing opportunities in portfolio optimization and digital investments to enhance efficiency and growth.

M&T Bank reports strong Q1 performance amidst credit quality challenges

M&T Bank's Q1 2024 earnings call highlighted a strong start with solid financial performance and a commitment to community support and sustainability. While facing challenges in credit quality and interest rate sensitivity, the bank showcased strengths in capital position and risk management strategies. Opportunities exist in optimizing expenses, enhancing deposit growth, and managing liquidity effectively.

M&T Bank reports strong Q2 earnings, focuses on growth strategies

M&T Bank delivered a solid performance in Q2 2024, marked by growth in loans, increased net interest income, and effective expense management.
Strong liquidity, robust capital ratios, and strategic initiatives such as share repurchases underscore the bank's financial strength and resilience.
Challenges include optimizing revenue, maintaining capital adequacy, and navigating the evolving credit landscape.
Opportunities lie in strategic growth initiatives, asset quality improvement, and operational efficiency enhancements for sustainable performance.

M&T Bank posts robust Q3 results, eyes efficiency and growth

M&T Bank delivered a strong performance in Q3 2024, with notable improvements in earnings and key financial metrics.
While facing challenges in expense management and CRE loans, the bank's strengths in liquidity and noninterest income provide a solid foundation.
Looking ahead, M&T Bank has opportunities to optimize efficiency, enhance credit quality, and capitalize on growth prospects in the upcoming quarter.

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Cost of revenue

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Net PPE

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Income tax payable

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Long-term debt

Total equity

Stockholders equity

Minority interest

Total liabilities & equity

Total debt

Net debt

Book value per share

Cash from operations

Funds from operations

Change in working capital

Cash from investing

Capital expenditure

Purchase/sale of investments

Purchase/sale of business

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Cash from financing

Change in stock

Change in debt

Cash dividends paid

Cash from other sources

Net change in cash

Free cash flow

I've noticed some analysts pointing to similarities between 2008 and the current banking crisis. Despite yesterday's news that First Citizens BancShares ( FCNCA , Financial) is buying part of Silicon Valley Bank ( SIVB , Financial), it is still hard to disagree when looking at the balance sheets of all banks in general.

M&T Bank: A Return to a Much Higher Value May Be Coming

Cullen/Frost Bankers

Prosperity Bancshares

In this article, we discuss three banks that are a great fit for today's environment. Each has declined due to the ongoing banking crisis.

It's A Wonderful Life: 3 Regional Banks We're Buying

KeyCorp

Citi analyst Keith Horowitz upgraded both KeyCorp and M&T Bank to Buy from Neutral, as the banking sector tries to comeback from a rough couple of weeks.

Two Bank Stocks for Bulls After the Panic, Says Citi

Bank of America

Citigroup

Citizens Financial Group

Fifth Third Bancorp

First Republic

JPMorgan Chase & Co

New York Community Bancorp

Regions Financial

Truist Financial

U.S. Bancorp

Wells Fargo

While the chaos is not necessarily over, many bank stocks look to have been indiscriminately sold off. Many banks have managed interest rate risk much better than Silicon Valley Bank.

14 Bank Stocks to Buy After the Recent Silicon Valley Bank Collapse

BUFFALO, N.Y. , March 20, 2023 /PRNewswire/ -- M&T Bank Corporation ("M&T") (NYSE: MTB) plans to announce its first quarter 2023 earnings results in a press release that will be issued before the market opens on Monday, April 17, 2023.

M&T Bank Corporation Announces First Quarter 2023 Earnings Release and Conference Call

Huntington Bancshares

While shareholders of Silvergate, Silicon Valley Bank and Signature Bank of New York have seen their investments drop to zero, short sellers who bet against the banks have made out like, well, bandits.

Short Sellers Post Profits of $3.5 Billion on Banks' Woes

Goldman Sachs

Berkshire Hathaway sold many stocks at the beginning of the pandemic. Some of those have been good performers over the last three years, while others haven't.

Warren Buffett Has Sold Many Stocks. Did He Make a Mistake With These 2?

M&T Bank has dealt with credit quality issues in its hotel lending portfolio. M&T also focused on closing and integrating its large acquisition of People's United.

M&T Bank's Stock Is Starting to Turn the Corner

Carver Bancorp

The six-week program is designed to help empower, develop, and uplift multicultural business owners, will culminate in pitch competition HARLEM, N.Y., Feb. 28, 2023 /PRNewswire/ -- M&T Bank's Harlem Multicultural Small Business Innovation Lab, a six-week program designed to provide local entrepreneurs with guidance, education, and resources to help them start and grow businesses, is now accepting applications.

M&T Bank Announces Harlem Small Business Innovation Lab in Partnership with Carver Federal Savings Bank

M&T Bank (MTB) announces a hike of 8.3% in its quarterly cash dividend. This, along with share repurchases and strategic buyouts, will continue to enhance shareholder value.

M&T Bank (MTB) Announces 8.3% Increase in Quarterly Dividend

BUFFALO, N.Y. , Feb. 23, 2023 /PRNewswire/ -- M&T Bank Corporation (NYSE:MTB)("M&T") will participate in the RBC Capital Markets Global Financial Institutions Conference being held in New York City.

M&T Bank Corporation to Participate in the RBC Capital Markets Global Financial Institutions Conference

Latest Coalition Greenwich survey highlights bank's commitment to help small employers BUFFALO, N.Y. , Feb. 15, 2023 /PRNewswire/ -- For the second consecutive year, M&T Bank (NYSE:MTB) has been recognized by Coalition Greenwich as a top brand in the financial services industry for its commitment to maintaining relationships with small-business customers.

M&T Bank Recognized for Its Strong Relationships with Small-Business Customers

M&T Bank had a better-than-average quarter, as slightly weaker spread income growth was offset by better fee-based income and significantly better operating leverage. While the bank has ample cash to fund lending, deposit/funding costs are accelerating. Meanwhile, C&I lending is growing nicely while management is pulling back on CRE loans.

M&T Bank Offers Rate And Operating Leverage, But Execution Is Crucial

M&T Bank Corporation (NYSE:MTB ) Q4 2022 Earnings Conference Call January 19, 2023 11:00 AM ET Company Participants Brian Klock - Head of Markets & Investor Relations Darren King - Chief Financial Officer Conference Call Participants Matthew O'Connor - Deutsche Bank John Pancari - Evercore ISI Ebrahim Poonawala - BofA Securities Manan Gosalia - Morgan Stanley Ken Usdin - Jefferies Steven Alexopoulos - JPMorgan Gerard Cassidy - RBC Capital Markets Operator Welcome to the M&T Bank Fourth Quarter and Full Year 2022 Earnings Conference Call. [Operator Instructions].

M&T Bank Corporation (MTB) Q4 2022 Earnings Call Transcript

Increase in revenues, solid loan and deposit balance and higher rates support M&T Bank's (MTB) Q4 earnings, while higher provisions and expenses pose as undermining factors.

M&T Bank (MTB) Q4 Earnings Beat Estimates on Higher Revenues

M&T Bank Corporation (MTB) delivered earnings and revenue surprises of 2.24% and 5.99%, respectively, for the quarter ended December 2022. Do the numbers hold clues to what lies ahead for the stock?

M&T Bank Corporation (MTB) Q4 Earnings and Revenues Beat Estimates

BUFFALO, N.Y. , Jan. 19, 2023 /PRNewswire/ -- M&T Bank Corporation ("M&T") (NYSE: MTB) today reported its results of operations for the full year and quarter ended December 31, 2022.

M&T BANK CORPORATION ANNOUNCES FOURTH QUARTER AND FULL-YEAR RESULTS

BUFFALO, N.Y. , Jan. 18, 2023 /PRNewswire/ -- M&T Bank Corporation (NYSE: MTB) ("M&T") announced today the election of Carlton J.

M&T Bank Corporation Elects Carlton J. Charles to Board of Directors

Regional banks were a popular area for value investors last year, but recession risks continue to weigh on the space. M&T Bank boasts high expected earnings growth in 2023 and its stock price has bounced initially off long-term support.

M&T Bank: Shares Fall To Support Ahead Of Earnings, 2023 EPS Growth Expected

Capital One

PNC Financial Services

SVB Financial Group

2022 represented a challenging year for the regional banks where their price performance didn't offer a respite vs. the bear market hitting the major indices. The current wall of worry hanging over the banks will be resolved in 2023.

Bank The Dividend Yield And Look For Incremental Upside In Regional Banks In 2023

Despite a challenging operating backdrop in 2022, the S&P 500 banks - Regions (RF), M&T Bank (MTB) and Huntington (HBAN) - remain on investors' radar on strong fundamentals and prospects.

3 Best Performing S&P 500 Bank Stocks of 2022

BUFFALO, N.Y. , Dec. 21, 2022 /PRNewswire/ -- M&T Bank Corporation ("M&T") (NYSE: MTB) plans to announce its fourth quarter and full-year 2022 earnings results in a press release that will be issued before the market opens on Thursday, January 19, 2023.

M&T Bank Corporation Announces Fourth Quarter & Full-Year 2022 Earnings Release and Conference Call

M&T Bank's (MTB) subsidiary, Wilmington Trust, agrees to sell its collective investment trust business to Madison.

M&T Bank's (MTB) Subsidiary to Sell CIT Business to Madison

Transaction creates a strong foundation to support CIT's continued growth and expanded services and offerings CHICAGO and WILMINGTON, Del. , Dec. 19, 2022 /PRNewswire/ -- Wilmington Trust, N.A.

M&T Bank's Wilmington Trust Agrees to Sell CIT Business to Madison Dearborn Partners

Daryl Bible to join as Chief Financial Officer Darren King and Chris Kay to assume expanded responsibilities BUFFALO, N.Y. , Dec. 14, 2022 /PRNewswire/ -- M&T Bank Corporation (NYSE: MTB) ("M&T") today announced several key changes to its leadership team, reporting to Chairman and Chief Executive Officer René Jones.

News for M&T Bank Stock (MTB)