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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Stockholders equity

Minority interest

Total liabilities & equity

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Book value per share

Cash from operations

Funds from operations

Change in working capital

Cash from investing

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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 (MTB) is seeing favorable earnings estimate revision activity and has a positive Zacks Earnings ESP heading into earnings season.

Should You Buy M&T Bank (MTB) Ahead of Earnings?

While loan growth is expected to have aided M&T Bank's (MTB) Q4 interest income, low mortgage banking revenues and high expenses are anticipated to have been spoilsports.

Key Factors to Affect M&T Bank (MTB) This Earnings Season

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UBS on Thursday launched coverage of seven banks, including five with buy ratings and two with hold ratings, as the group is poised to benefit from higher interest rates. Analyst Erika Najarian said she expects 21% upside in these names, despite strong stock performances thus far in 2022.

UBS analyst Erika Najarian initiates coverage of large cap regional banks

BUFFALO, N.Y., Jan. 13, 2022 /PRNewswire/ -- M&T Bank (NYSE: MTB) today announced it is expanding the services it provides to communities with high concentrations of ethnic and racial diversity by designating an additional 100 bank branches as multicultural centers.

M&T Bank Expands Financial Access, Removes Language Barriers with 100 New Multicultural Banking Centers

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BUFFALO, N.Y., Jan. 5, 2022 /PRNewswire/ -- Eric Feldstein has been named M&T Bank (NYSE: MTB) Regional President of Western New York – the company's headquarter market and where it was founded 165 years ago – in addition to his role as Head of Business Banking, beginning in March of 2022.

Eric Feldstein named M&T Bank Western New York Regional President

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M&T Bank Has Promising Growth Prospects And A Cheap Valuation

The provision expense will likely normalize next year. The acquisition of People's United will boost the loan portfolio by around 42% and result in significant cost savings.

M&T Bank: Acquisition Remains The Biggest Catalyst

M&T Bank stock (NYSE: MTB) has gained 3.4% in the last week, outperforming the S&P 500 (up 3.1%). Further, the same trend was evident over the last ten-day horizon, with the stock increasing 3.1%.

What To Expect From M&T Bank Stock After A 3.4% Rise In One Week?

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2021 represented a recapture of prior years' underperformance where the regional banks outperformed the major indices (KBW Bank Index +36% vs. S&P 500 Index +28% and Nasdaq +22% in 2021). Bank relative P/Es at a cyclical low vs. the S&P despite their attractive prospects in a volatile rising rate environment.

Hang On To The Regional Banks As A Safe Haven In A Rocky, Rate-Driven Market

BUFFALO, N.Y., Dec. 21, 2021 /PRNewswire/ -- M&T Bank Corporation ("M&T") (NYSE:MTB) plans to announce its fourth quarter and full-year 2021 earnings results in a press release that will be issued before the market opens on Thursday, January 20, 2022.

M&T Bank Corporation Announces Fourth Quarter / Full-Year 2021 Earnings Conference Call

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M&T Bank Corporation (MTB) reported earnings 30 days ago. What's next for the stock?

M&T Bank Corporation (MTB) Down 0.2% Since Last Earnings Report: Can It Rebound?

M&T Bank (MTB) announces a hike in quarterly dividend. Its new dividend of $1.20 per share represents a hike of 9.1% from the prior payout.

M&T Bank (MTB) Rewards Shareholders With 9.1% Dividend Hike

If history is any guide, there may be good fortune ahead for shares of M&T Bank (NYSE:MTB). A so-called "golden cross" has formed on its chart and, not surprisingly, this could be bullish for the stock.

Golden Cross Appears Before M&T Bank Investors

BUFFALO, N.Y., Oct. 26, 2021 /PRNewswire/ -- M&T Bank Corporation (NYSE:MTB)("M&T") will participate in the BancAnalysts Association of Boston Conference being held in Boston, MA.

M&T Bank Corporation to Participate in BancAnalysts Association of Boston Conference

BUFFALO, N.Y., Oct. 25, 2021 /PRNewswire/ -- M&T Bank Corporation (NYSE: MTB) ("M&T") announced today its plan to provide $43 billion in loans, investments, and other financial support to create greater economic opportunity for low-to-moderate income (LMI) families and neighborhoods, as well as people and communities of color.

M&T Bank Outlines $43 Billion Community Growth Plan To Support Underserved, Communities of Color and Small Businesses

BUFFALO, N.Y., Oct. 21, 2021 /PRNewswire/ -- M&T Bank Corporation (NYSE: MTB) ("M&T") announced today that it has received approval from the New York State Department of Financial Services and the Connecticut Department of Banking to complete the merger of M&T Bank with People's United Bank.

M&T Bank Corporation Receives Approval From New York State Department of Financial Services and Connecticut Department of Banking for the Merger of M&T Bank and People's United Bank

M&T Bank Corporation (MTB) Management on Q3 2021 Results - Earnings Call Transcript

M&T Bank Corporation (MTB) delivered earnings and revenue surprises of 6.82% and 4.06%, respectively, for the quarter ended September 2021. Do the numbers hold clues to what lies ahead for the stock?

M&T Bank Corporation (MTB) Q3 Earnings and Revenues Beat Estimates

News for M&T Bank Stock (MTB)