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.

Revenue

Cost of revenue

Gross profit

Operating expenses

SG&A

Other

Operating income

EBITDA

Net income

Earnings per share

Total assets

Current assets

Cash & equivalents

Receivables

Inventory

Non-current assets

Net PPE

Intangibles

Total liabilities

Current liabilities

Short term debt

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

Associated Banc-Corp

Bank of New York Mellon

BOK Financial

Commerce Bancshares

Cullen/Frost Bankers

Fulton Financial

Northern Trust

Old National Bancorp

Prosperity Bancshares

Pinnacle Financial Partners

State Street

Truist Financial

U.S. Bancorp

Webster Financial

Ratings agency Moody's said the U.S. banking sector is still strong even after it downgraded several small to mid-sized lenders and warned it might cut the ratings of several major banks.

Moody's says US banks are still strong despite downgrades

Moody's lowered its credit ratings on a bunch of U.S. based small and mid-sized banks on Tuesday and placed some of their bigger peers on negative review as well. U.S.

Moody's lowers its credit ratings on U.S. banks

Ratings agency Moody's cut the credit ratings of several small and midsized banks late Monday and warned other big lenders, citing profitability challenges and funding risks.

Moody's Downgrades Credit Ratings For 10 Banks, Puts Six Others On Notice

Citizens Financial Group

SPDR S&P Regional Banking ETF

Moody's

PNC Financial Services

The SPDR S&P Regional Banking ETF (KRE) fell by more than 3% and was on track for its worst day since May 4.

Regional bank shares under fire again after credit downgrade, head for worst day in three months

M&T, U.S. Bancorp, Truist and others are down sharply as concerns about the health of the sector were renewed.

Bank Stocks Slide After Moody's Downgrade

Moody's downgraded several small and mid-sized banks and put six major Wall Street lenders on negative watch amid concerns over higher interest rates.

Moody's downgrades US banks, warns of possible cuts to major lenders

Capital One

Fifth Third Bancorp

Bank stocks fell after Moody's downgraded credit ratings for several regional lenders, and marked large banks for review as profit issues arise.

Moody's Raises Profit Questions On U.S. Regional Banks

Banks including M&T Bank (MTB), Associated Banc-Corp (ASB), U.S. Bancorp (USB), Truist (TFC) and Capital One (COF) are among the names on Moody???s list for ratings cut, lower outlook and potential downgrades.

U.S. Banks' Ratings Cut by Moody's on Funding Costs, CRE Lending

Shares of the 15 largest American banks each fell 2% or more after Moody's issued a chilly update on the closely-watched sector.

Banks' Near $50 Billion Stock Losses Set Up Market For Among Worst Days Of 2023

Ally Financial

Regions Financial

Simmons First National Corporation

Ratings agency Moody's on Monday downgraded several mid-sized U.S. banks, warning that the credit strength of lenders will likely be tested by funding risks and weaker profits.

Factbox: Major US banks downgraded by Moody's on worsening outlook

Moody's on Monday cut the credit ratings of a host of small and mid-sized U.S. banks and placed several Wall Street big names on negative review.

Moody's cuts ratings of 10 U.S. banks and puts some big names on downgrade watch

Ratings agency Moody's downgraded the credit ratings of several U.S. banks on Monday and warned it was reviewing the status of some of the nation's biggest lenders.

Moody's downgrades 10 US banks, warns of possible cuts to others

Hutton also remains the bank's top commercial banking executive in the state WILMINGTON, Del. , Aug. 3, 2023 /PRNewswire/ -- M&T Bank (NYSE:MTB) has named Mark Hutton as Delaware Regional President -- assuming the role following the July 7 retirement of the bank's former top executive in the state, Nick Lambrow.

M&T Bank Promotes Mark Hutton to Delaware Regional President

Bank of America

Citigroup

Comerica

First Horizon National

Goldman Sachs

Huntington Bancshares

JPMorgan Chase & Co

KeyCorp

Morgan Stanley

New York Community Bancorp

Western Alliance Bancorporation

Wells Fargo

Zions Bancorp

Bank fundamentals were challenged but results were better than worst-case fears as higher interest rates boosted bank loan yields, Jefferies analyst Ken Usdin said Thursday in the firm's summary of second-quarter profits for the 36 large and mid-sized banks in its coverage universe.

JPMorgan, Goldman and Morgan Stanley win praise in Jefferies Q2 bank earnings wrap

BUFFALO, N.Y. , July 26, 2023 /PRNewswire/ -- Effective Thursday, July 27, 2023, M&T Bank (NYSE:MTB) will increase its prime lending rate from 8.25% to 8.50%.

M&T Increases Prime Rate

Call for applicants now open Prizes of up to $10,000 to be awarded to local entrepreneurs BRIDGEPORT, Conn. , July 25, 2023 /PRNewswire/ -- M&T Bank, in partnership with the University of Bridgeport, is proud to announce the continuation of its groundbreaking initiative designed to foster growth and success among multicultural small businesses in the Bridgeport area.

M&T Bank to Empower Local Small Businesses with 2nd Bridgeport Multicultural Small Business Lab

As most of the wider market bounces back this summer, banks remain beaten down with many cheap bank stocks still trying to recover. Pinpointing individual factors influencing the banking industry would take all day.

The 3 Most Undervalued Bank Stocks to Buy Now: July 2023

Automatic Data Processing

Costco

Coterra Energy

Deere & Company

Dick's Sporting Goods

Intuit

Lennar

Mastercard

Microchip Technology

UnitedHealth Group

Visa

Vanguard Dividend Appreciation ETF

Zoetis

This monthly series of articles focuses on DGI stocks that are likely to provide a high rate of dividend growth rather than a high current yield. We use our proprietary models to rate quantitatively and qualitatively and select the top ten names from an initial list of nearly 400 dividend stocks. A balanced portfolio should have a mix of high-dividend growth stocks and high-yield dividend stocks, depending on the life stage. If you are in the accumulation phase and are several years away from retirement, high-growth dividend stocks would be more appropriate for long-term growth.

Our Top 10 Picks For Dividend Growth Stocks - July 2023

M&T Bank gets a strong buy rating today, in line with the consensus from Seeking Alpha analysts. Positives: dividend yield beats sector average, valuation beats sector average, positive YoY net income growth, strong capital & liquidity, share price vs 200 day SMA is in a buying range. Risks identified: exposure to credit risk such as net charge-offs, but remain below long-term averages.

Why M&T Bank Is A Strong Buy And A Hidden Value Opportunity

M&T Bank Corporation (NYSE:MTB ) Q2 2023 Earnings Conference Call July 19, 2023 8:00 AM ET Company Participants Brian Klock - Head of Markets and Investor Relations Daryl Bible - Senior Executive Vice President and Chief Financial Officer Conference Call Participants Manan Gosalia - Morgan Stanley Matthew O'Connor - Deutsche Bank Steven Alexopoulos - JPMorgan Gerard Cassidy - RBC Brent Erensel - Portales Partners Kenneth Usdin - Jefferies Ebrahim Poonawala - Bank of America Frank Schiraldi - Piper Sandler Michael Mayo - Wells Fargo Securities John Pancari - Evercore Operator Good day and welcome to the M&T Bank Second Quarter 2023 Earnings Conference Call. All lines have been placed on listen-only mode and the floor will be opened for your questions following the presentation.

M&T Bank Corporation (MTB) Q2 2023 Earnings Call Transcript

Three major U.S. regional banks met or beat profit expectations on Wednesday as higher interest rates allowed them to charge more for loans, while deposits stabilized, sending shares across the sector up.

U.S regional bank shares rise on interest income, deposits stabilizing

While the top- and bottom-line numbers for M&T Bank Corporation (MTB) give a sense of how the business performed in the quarter ended June 2023, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.

M&T Bank Corporation (MTB) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates

Higher revenues, a decline in provision for credit losses and decent loan demand support M&T Bank's (MTB) Q2 earnings.

M&T Bank (MTB) Gains as Q2 Earnings Beat on Higher Revenues

News for M&T Bank Stock (MTB)