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.

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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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Book value per share

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Change in working capital

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Purchase/sale of investments

Purchase/sale of business

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Cash from financing

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Cash from other sources

Net change in cash

Free cash flow

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Citigroup Inc. analyst Keith Horowitz on Thursday singled out M&T Bank Corp. as a new member of his focus list for outshining five other regional banks.

The Ratings Game: Citi adds M&T Bancorp to focus list as favorite among six regional banks

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Bank stocks have underperformed since Russia launched its invasion of Ukraine in late February. Despite the recent weakness, Bank of America analyst Ebrahim Poonawala said this week the interest rate environment is paying out even better than expected for big banks.

How To Play Bank Stocks Now That Interest Rates Are Rising

BUFFALO, N.Y. , March 16, 2022 /PRNewswire/ -- M&T Bank Corporation ("M&T") (NYSE:MTB) plans to announce its first quarter 2022 earnings results in a press release that will be issued before the market opens on Wednesday, April 20, 2022.

M&T Bank Corporation Announces First Quarter 2022 Earnings Release and Conference Call

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The rising rate environment is broadly known to be good for the banks but not all banks were made equal, said KBW's Tom Michaud, as he suggested that investors be selective when picking stocks. Why regional banks are a better pick?

These banks stocks are a great pick amidst inflation and Ukraine war

AUSTIN, Texas--(BUSINESS WIRE)--LawPay Launches New Nota by M&T Bank Integration to Streamline Cloud-Based Law Firm Management for Solo and Small Law Firms

LawPay Launches New Nota by M&T Bank Integration to Streamline Cloud-Based Law Firm Management for Solo and Small Law Firms

Per M&T Bank (MTB) and People's United (PBCT), their impending merger is slated for a quick wrap-up following the Fed's recent regulatory nod. This will boost M&T Bank's base in the Northeast.

M&T Bank (MTB) & People's United (PBCT) Announce Merger Date

People's United Financial

M&T Bank Corporation and People's United Financial, Inc. Announce Transaction Close Date for Merger

The waiting game for the merger approval of M&T Bank (MTB) and People's United (PBCT) ends with the companies finally receiving Fed's nod.

M&T Bank (MTB) & PBCT Merger Receives Green Light From Fed

BRIDGEPORT, Conn., March 4, 2022 /PRNewswire/ -- People's United Financial, Inc. (NASDAQ: PBCT) ("People's United") announced today receipt of regulatory approval from the Board of Governors of the Federal Reserve System to complete the previously announced acquisition of People's United by M&T Bank Corporation (NYSE: MTB) ("M&T").

M&T Bank Corporation Receives Regulatory Approval from the Board of Governors of the Federal Reserve System for Merger with People's United Financial, Inc.

BUFFALO, N.Y., March 4, 2022 /PRNewswire/ -- M&T Bank Corporation (NYSE: MTB) ("M&T") announced today receipt of regulatory approval from the Board of Governors of the Federal Reserve System to complete the previously announced acquisition of People's United Financial, Inc. (NASDAQ: PBCT) ("People's United").

M&T Bank Corporation Receives Regulatory Approval from the Board of Governors of the Federal Reserve System for People's United Merger

M&T Bank Corp CEO René Jones has made the case for holding digital banks to the same regulatory standards as traditional financial institutions (FIs). In his annual letter to shareholders, Jones said the growth of new, unregulated financial companies threaten regulatory protections such as the Community Reinvestment Act which was enacted to safeguard the most vulnerable.

M&T Bank CEO Calls for More FinTech Regulation

BUFFALO, N.Y., March 1, 2022 /PRNewswire/ -- Today, M&T Bank Chairman and CEO René Jones released his letter to shareholders, an annual tradition featuring candid insights on the banking industry and the communities in which M&T operates.

M&T Bank CEO René Jones Speaks to the Impact of COVID, People's United Financial Merger and Industry Regulation in Annual Letter

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BUFFALO, N.Y., Feb. 25, 2022 /PRNewswire/ -- M&T Bank Corporation (NYSE:MTB)("M&T") will participate in the RBC Capital Markets, which is being held in a virtual format.

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

M&T Bank's (MTB) board of directors re-authorizes its stock repurchase program worth $800 million, which was originally announced in January 2021.

M&T Bank (MTB) Reinstates Its $800M Stock Repurchase Program

BUFFALO, N.Y., Feb. 22, 2022 /PRNewswire/ -- M&T Bank Corporation ("M&T") (NYSE:MTB) announced that its Board of Directors re-authorized a stock repurchase program of up to $800 million of shares of common stock, $0.50 par value per share, on the open market or in privately negotiated transactions.

M&T Bank Corporation Re-authorizes Common Stock Repurchase Program

While the waiting game for the merger approval of M&T Bank (MTB) and People's United (PBCT) continues, let's discuss if the heightening regulatory scrutiny will affect the banking M&A trends.

Will MTB-PBCT Merger Regulatory Delay Dissuade Bank M&As?

M&T Bank Corporation and People's United Financial, Inc. Extend Merger Agreement

BUFFALO, N.Y., Feb. 17, 2022 /PRNewswire/ -- M&T Bank (NYSE:MTB) announced today it has received 29 regional and national Greenwich Excellence awards and six Greenwich Best Brand awards, continuing its streak as one of the nation's highest rated banks for the customer experience it provides to businesses.

M&T Bank Earns Top National Honors for Outstanding Business Customer Experience

M&T Bank (MTB) launches new features, such as elimination of non-sufficient funds and overdraft protection fees from linked deposit accounts as well as a reduction in overdraft charges.

M&T Bank (MTB) Eases Consumers' Short-Term Cash Requirements

M&T Bank Corp. MTB, +1.11% said Tuesday it will eliminate non-sufficient fund fees and overdraft protection transfer charge from linked deposit accounts. It will also reducing overdraft fees to $15 and limit daily fee assessment to once per day.

M&T Bank reduces overdraft fees

BUFFALO, N.Y., Feb. 8, 2022 /PRNewswire/ -- M&T Bank (NYSE: MTB) today announced new efforts to limit overdraft-related fees and give customers more flexible options to meet their personal financial needs.

M&T Takes Steps to Help Customers Meet Short-term Cash Needs and More Easily Manage Personal Finances

The regional bank has some tailwinds pushing it in 2022.

News for M&T Bank Stock (MTB)