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

Earnings data Q2 2021

Earnings data Q3 2021

Earnings data Q4 2021

Earnings data Q1 2022

Earnings data Q2 2022

Earnings data Q3 2022

Earnings data Q4 2022

Earnings data Q1 2023

Earnings data Q2 2023

Earnings data Q3 2023

Earnings data Q4 2023

Earnings data Q1 2024

Earnings data Q2 2024

Earnings data Q3 2024

Earnings data Q4 2024

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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SG&A

Other

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EBITDA

Net income

Earnings per share

Total assets

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Cash & equivalents

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Inventory

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Net PPE

Intangibles

Total liabilities

Current liabilities

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Income tax payable

Non-current liabilities

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

Other sources

Cash from financing

Change in stock

Change in debt

Cash dividends paid

Cash from other sources

Net change in cash

Free cash flow

M&T Bank's stock price has recently underperformed major indices, but its solid fundamentals suggest long-term healthy returns. The bank offers commercial lending, wealth management, and trust services with a conservative underwriting approach. M&T Bank has a long history of steady growth and profitability, consistently increasing its tangible book value and dividend payments.

M&T Bank: Buy The Dip

Despite a rise in loans, increasing funding costs are likely to have hurt M&T Bank's (MTB) Q1 NII growth. Also, softer mortgage income is expected to have affected its non-interest income.

What's in the Offing for M&T Bank (MTB) in Q1 Earnings?

Get a deeper insight into the potential performance of M&T Bank (MTB) for the quarter ended March 2024 by going beyond Wall Street's top -and-bottom-line estimates and examining the estimates for some of its key metrics.

Unveiling M&T Bank (MTB) Q1 Outlook: Wall Street Estimates for Key Metrics

M&T Bank (MTB) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

Analysts Estimate M&T Bank Corporation (MTB) to Report a Decline in Earnings: What to Look Out for

Seven-week business accelerator program to be held at Harrisburg University, beginning May 8 HARRISBURG, Pa. , April 4, 2024 /PRNewswire/ -- M&T Bank (NYSE: MTB) is seeking up to 45 entrepreneurs to participate in its third Capital Region Multicultural Small Business Lab – a program designed to provide multicultural business owners with the guidance and skills needed to build strong businesses, spur economic growth in the Harrisburg area, and build generational wealth for their families.

M&T Bank Launches Third Harrisburg Multicultural Small Business Lab

BALTIMORE, April 3, 2024 /PRNewswire/ -- M&T Realty Capital Corporation® is pleased to announce the closing of a $414,829,000 Freddie Mac conventional loan for Brooklyn Crossing, an 858-unit multifamily housing property located in Brooklyn, NY. The team was able to successfully secure favorable permanent financing terms for their client The Brodsky Organization.

M&T Realty Capital Corporation Provides $414.83 Million for a Multifamily Housing Property in Brooklyn, New York

First Commonwealth Financial

Synovus Financial

Trustmark

Valley National

Five smaller U.S. banks with exposure to commercial real estate have been hit with credit-rating outlook downgrades, the latest development threatening to make borrowing more difficult for businesses and individuals.

Why S&P Cut Outlook for Five US Regional Banks With Heavy Commercial Real Estate Exposure

New York Community Bancorp

S&P Ratings downgrades the outlook on First Commonwealth, M&T Bank (MTB), Synovus (SNV), Trustmark (TRMK) and Valley National (VLY) to negative from stable.

Outlook on 5 Regional Banks Lowered by S&P on CRE Exposure

Knakmuhs to lead internal and external communications in newly created role BUFFALO, N.Y. , March 21, 2024 /PRNewswire/ -- M&T Bank Corporation (NYSE: MTB) today announced that it has appointed Sarah Knakmuhs as chief communications officer.

M&T Bank Appoints Sarah Knakmuhs as Chief Communications Officer

BUFFALO, N.Y. , March 18, 2024 /PRNewswire/ -- M&T Bank Corporation ("M&T") (NYSE:MTB) plans to announce its first quarter 2024 earnings results in a press release that will be issued before the market opens on Monday, April 15, 2024.

M&T Bank Corporation Announces First Quarter 2024 Earnings Release and Conference Call

BUFFALO, N.Y. , March 5, 2024 /PRNewswire/ -- M&T Bank (NYSE:MTB) Chairman and CEO René Jones has released his annual letter to shareholders, continuing a longstanding tradition of providing honest and insightful commentary about the state of the company and the economic conditions affecting its communities and the broader banking industry.

In Annual Letter, M&T Bank Chairman and CEO René Jones Reflects on the Importance of Public Trust for Institutions, Industries, and Communities

Air Products and Chemicals

Bank of America

Coca-Cola European Partners plc

Comcast

Evergy Inc

Hershey

NextEra Energy

Royal Bank of Canada

SPDR S&P 500 ETF Trust

Texas Instruments

Vanguard High Dividend Yield ETF

My Top 10 High Yield Dividend Stocks For March 2024

Bank OZK

United Bancshares

The start of February saw a bit of a deja vu for regional bank stocks, with New York Community Bank (NYSE: NYCB ) shares crashing. Capital One (NYSE: COF ) also announced plans to merge with Discover Financials (NYSE: DFS ), underscoring the continued industry consolidation.

Buyout Boom: 3 Regional Bank Stock Bargains to Grab Before They're Gone

M&T Bank's (MTB) top-line growth is supported by rising net interest income. However, high costs and deteriorating credit quality are concerning.

Organic Growth Supports M&T Bank (MTB) Despite Rising Costs

Citizens Financial Group

Comerica

First Horizon National

KeyCorp

While commercial-real-estate loan delinquencies will increase, the $39 billion that banks have already set aside to cover losses should be enough to mitigate any impact to the system, Citi analysts said Friday.

Fears about office-space loans are ‘overblown,' Citi says

BUFFALO, N.Y. , Feb. 21, 2024 /PRNewswire/ -- M&T Bank Corporation ("M&T") (NYSE:MTB) announced that it has declared a quarterly cash dividend of $1.30 per share on its common stock.

M&T Bank Corporation Announces First Quarter Common Stock Dividend

BUFFALO, N.Y. , Feb. 16, 2024 /PRNewswire/ -- M&T Bank Corporation ("M&T") (NYSE:MTB) will participate in the RBC Financial Institutions Conference being held in New York City.

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

Funding is Part of M&T's $25 Million Amplify Fund Commitment to Address Racial Equity and Social Justice Issues BUFFALO, N.Y. , Feb. 13, 2024 /PRNewswire/ -- The M&T Charitable Foundation, the philanthropic arm of M&T Bank (NYSE: MTB), today announced $8.2 million in donations to 68 nonprofit organizations across New England and Long Island and Rockland County New York.

M&T CHARITABLE FOUNDATION ANNOUNCES $8.2 MILLION IN GRANTS TO 68 NONPROFITS ACROSS NEW ENGLAND, LONG ISLAND, AND ROCKLAND COUNTY, NY

Ranks #1 Fannie Mae DUS Producer for Seniors Housing and the  #2 Freddie Mac Seniors Housing Lender for 2023 BALTIMORE , Feb. 12, 2024 /PRNewswire/ -- M&T Realty Capital Corporation (M&T RCC), a wholly-owned subsidiary of M&T Bank specializing in providing competitive financing nationwide for multifamily properties, commercial income properties, healthcare facilities, and other property types, announces record 2023 production volume for the Seniors Housing Team. The group is ranked the #1 Fannie Mae DUS Producer for Seniors Housing and the #2 Freddie Mac Seniors Housing Lender for 2023.

M&T Realty Capital Corporation Announces Record Year of Senior Housing Lending Activity in 2023

Citigroup analyst Keith Horowitz upgraded Citizens Financial Group to Buy from Hold, and reiterated a Buy rating on M&T Bank.

New York Community Bank Was an ‘Outlier.' Bank Stocks to Buy on the Dip.

Bank of New York Mellon

CRH PLC

EOG Resources

WEC Energy Group

Vanguard's High Dividend Yield ETF had a modest gain of 0.75% to start 2024, while the SPDR S&P 500 ETF Trust gained 1.59%. The top 10 stocks on the watchlist for February 2024 offer a 3.55% dividend yield, more than double the S&P 500.

My Top 10 High Yield Dividend Stocks For February 2024

SPDR S&P Regional Banking ETF

Western Alliance Bancorporation

Zions Bancorp

Regional bank stocks looked to stabilize early Friday following a two-day selloff after New York Community Bancorp's surprise loss and drastic reserve increase.

Regional Bank Stocks Stabilize After Two-Day Selloff. NY Community Bancorp Is Up.

East West Bancorp

Regional U.S. banking stocks slipped sharply on Thursday as a surprise quarterly loss posted by New York Community Bancorp (NYCB) sparked fears that commercial real estate loans (CRE) pose broader risks to the sector.

Regional Bank Stock Sell-Off Sparked By Commercial Real Estate Loan Fears

National Production Managers and Life Company Platform Manager are Among Other Key Appointments Driving the Next Phase of Business Growth BALTIMORE , Jan. 23, 2024 /PRNewswire/ -- M&T Realty Capital Corporation (M&T RCC), a wholly-owned subsidiary of M&T Bank specializing in providing competitive financing nationwide for multifamily properties, commercial income properties, healthcare facilities, and other property types, announces a series of organizational changes designed to position the business for continued growth and expansion. Michael Edelman, currently serving as President, will succeed current CEO Michael Berman, who will transition to the role of Executive Advisor.

M&T Realty Capital Corporation Appoints New CEO and Announces Other Organizational Changes

M&T Bank Corporation (MTB) Q4 2023 Earnings Call Transcript

News for M&T Bank Stock (MTB)