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

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

M&T Bank Corporation beat Wall Street estimates for second-quarter profit on Wednesday, as the U.S. Federal Reserve's rapid rate hikes to tame inflation boosted the lender's interest income.

M&T Bank beats profit estimates as higher rates boost interest income

BUFFALO, N.Y. , July 19, 2023 /PRNewswire/ -- M&T Bank Corporation ("M&T") (NYSE: MTB) today reported its results of operations for the quarter ended June 30, 2023.

M&T BANK CORPORATION ANNOUNCES SECOND QUARTER RESULTS

Lower expenses are likely to have supported M&T Bank's (MTB) bottom-line growth in second-quarter 2023. However, declining NII on softer loan demand is concerning.

Why a Q2 Earnings Beat Is Less Likely for M&T Bank (MTB)

M&T Bank Corporation (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.

M&T Bank Corporation (MTB) Earnings Expected to Grow: What to Know Ahead of Next Week's Release

Is M&T Bank (MTB) a great pick from the value investor's perspective right now? Read on to know more.

Is M&T Bank (MTB) a Potential Stock for Value Investors?

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Which Super-Regional Bank Performed the Best in the Fed's Stress Test?

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Bank stocks rose early Thursday after the Federal Reserve announced its 2023 stress test results Wednesday for a hypothetical "severe" recession.

JPMorgan, Wells Fargo Lead, Bank Stocks Climb, After Federal Reserve Stress Test

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Begun in the aftermath of the 2008 financial crisis, the Fed's annual stress test dictates how much capital the industry can return to shareholders.

Federal Reserve says 23 biggest banks weathered severe recession scenario in stress test

M&T Bank is a potentially promising rebound candidate in the regional banking market due to its stable deposit situation, limited exposure to office real estate, and discounted book value. The bank has a small percentage (4%) of its loans invested in the office real estate market, which reduces its risk in the current commercial real estate climate. Existing office real estate investments are concentrated in low-LTV loans.

M&T Bank: 4.5% Yield, Solid Deposit Franchise, 18% Discount To BV

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The Market Rally Made Stocks Expensive. These Are Still Cheap.

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The chairman of the Federal Deposit Insurance Corp. said Thursday that U.S. regulators are considering a plan to include banks with assets as low as $100 billion in the international regime for capital requirements known as Basel III.

FDIC studying plan to include smaller U.S. banks in Basel III capital requirements after failures in early 2023

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Although it might seem like the Federal Reserve will eventually look to reduce interest rates, the opposite might be true, thus necessitating a discussion about stocks to buy before rate hike. Fundamentally, all eyes center on the jobs report.

3 Stocks to Buy Before the Fed Resumes Rate Hikes Later This Year

Super-regional banks with assets between $150 billion and $700 billion now have dividend yields ranging from 3% to 7.5%. The key is finding the one with the most sustainable dividend, as banks navigate the near-term stress.

This Is the Best Super-Regional Bank Stock for Passive Income Right Now

BUFFALO, N.Y. , June 14, 2023 /PRNewswire/ -- M&T Bank Corporation (NYSE: MTB, M&T) announced today that CME Term SOFR will be the replacement reference rate for certain outstanding floating rate and fixed-to-floating rate debt securities, preferred stock, and trust preferred securities issued by M&T and certain of its subsidiaries that use three-month U.S. dollar LIBOR as the reference rate and that are governed by U.S. law or the law of a U.S. state.

M&T Bank Corporation Announces Plan to Transition Outstanding U.S. Dollar LIBOR-linked Securities to CME Term SOFR As Replacement Reference Rate

M&T Bank Corp. MTB stock is up 0.4% on Wednesday after the bank issued a second-quarter update that on the balance matched analyst forecasts by J.P.Morgan Chase analysts. “Overall, the intra-quarter update was generally in line with many trends shared by regional bank peers such as solid loan growth, modest deposit decreases, and rising deposit betas,” JPMorgan analysts said as they reiterated a neutral rating on the stock.

M&T Bank's mid-quarter update ‘in-line' with JPMorgan analyst forecasts, as stock rises

BUFFALO, N.Y. , June 14, 2023 /PRNewswire/ -- M&T Bank Corporation ("M&T") (NYSE:MTB) plans to announce its second quarter 2023 earnings results in a press release that will be issued before the market opens on Wednesday, July 19, 2023.

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

M&T Bank's (MTB) top line gets support from increasing loan and deposit balances. Continued rising expenses keep the bottom line under pressure, while worsening credit quality is worrisome.

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

Marathoners and volunteers have until May 27 to sign up at www.runvermont.org BURLINGTON, Vt., May 25, 2023 /PRNewswire/ -- For the 2023 running of the M&T Bank Vermont City Marathon & Relay, sponsor M&T Bank and organizer RunVermont are preparing to welcome thousands of runners, volunteers, and spectators to Burlington for the weekend-long celebration, marathon, and relay.

M&T Bank to Welcome Thousands of Runners, Volunteers, and Spectators to the 34th M&T Bank Vermont City Marathon & Relay

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Many U.S. regional lenders may have to consider selling off commercial real estate (CRE) loans at a steep discount after breaching key regulatory thresholds for exposure to the troubled sector, according to new data and market sources.

Analysis: Overexposed US regional banks could sell commercial property loans

BUFFALO, N.Y. , May 16, 2023 /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 Second Quarter Common Stock Dividend

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The worst may be over for U.S. banks, with liquidity fears that led to the recent failures of three regional institutions subsiding, but banks also face a longer-term challenge — a reversal of the flow of cash into noninterest-bearing transaction accounts during years of government and Federal-Reserve stimulus before and during the COVID-19 pandemic.

Profit risks for 10 large regional banks: How a reversal of pandemic deposit trends could cut earnings

Finale of six-week program is a cornerstone of M&T's celebration of U.S. Small Business Month HARLEM, N.Y., May 11, 2023 /PRNewswire/ -- A beauty consultancy, a cold-pressed juice company, and a community gathering space were announced as the winners of M&T Bank's (NYSE:MTB) Harlem Multicultural Small Business Lab pitch competition, in partnership with Carver Federal Savings Bank.

M&T Announces Winners of Harlem Multicultural Small Business Lab Pitch Competition

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The government's response to maintain stability in the banking system creates stock winners from First Republic failure. First Republic Bank is the second largest bank with assets over $200 billion to fail, This follows the failure of Silicon Valley Bank, Credit Suisse, and Signature Bank.

News for M&T Bank Stock (MTB)