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Jun 16, 2026·SEC
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M&T Bank Corporation(MTB-PJ)Earnings, Financials & Key Ratios
MTB-PJ•NYSE•Banking & Credit
$26.06
1.5× P/E·Price updated Jul 7, 2026
AboutM&T Bank Corporation operates as a bank holding company for Manufacturers and Traders Trust Company and Wilmington Trust, National Association that engages in the provision of retail and commercial banking products and services in the United States. The company operates through three segments: Commercial Bank, Retail Bank, and Institutional Services and Wealth Management. It offers a range of credit products and banking services, such as commercial lending and leasing, letters of credits, commercial real estate loans, and credit facilities secured by various commercial real estate to middle-market and large commercial customers. The company also provides customers deposit products, including demand, savings and time accounts, and other services; automobile and recreational finance loans, home equity loans and lines of credit, credit cards, and other loan products, as well as residential mortgage and real estate loans; business loans, cash management, payroll, and direct deposit services to consumers and small businesses through branch network, telephone banking, internet banking, and automated teller machines. In addition, it offers trustee, agency, investment management, security brokerage, and administrative services; personal trust, planning, fiduciary, asset management, family office, and other services; and investment products, including mutual funds and annuities, and other services for corporations and institutions, investment bankers, corporate tax, finance and legal executives, and other institutional clients. The company was founded in 1856 and is headquartered in Buffalo, New York.Show more
- Net Interest Income$6.95B+1.4%
- Total Revenue$12.31B-8.2%
- Net Income$2.85B+10.2%
- Return on Equity9.8%+6.0%
- Net Interest Margin3.25%-1.2%
- Efficiency Ratio44.63%+12.6%
- ROA1.35%+8.8%
- Equity / Assets13.67%-2.0%
- Book Value per Share186.37+7.4%
MTB-PJ Price & Volume
M&T Bank Corporation (MTB-PJ) stock price & volume — 10-year historical chart
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Stagnant Interest Income Masks Operational Efficiency Volatility
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Mixed
Profitability:Moderate
Financial:Healthy
Cash Flow:Stable
Primary Risk:CRE Office Concentration
Key Thesis Takeaways
- M&T Bank faces a challenging growth outlook as net interest income remains flat at $1.8 billion since 2025Q1, reflecting limited asset expansion.
- While the bank maintains a stable capital buffer with an equity-to-assets ratio of 0.13, investors should monitor the significant volatility in credit provisioning, highlighted by a $794 million negative provision in 2025Q3.
- The firm's reliance on institutional fee income remains sensitive to market fluctuations, warranting caution despite the aggressive $1.2 billion share buyback program executed in 2026Q1.
Verdict Logic
while the current P/E of 1.52 suggests deep value, the persistent stagnation in net interest income at $1.8 billion and unpredictable credit provisioning require further clarity on long-term earnings quality.
MTB-PJ Growth Metrics
M&T Bank Corporation (MTB-PJ) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years9.44%
5 Years14.4%
3 Years13.41%
TTM-
Profit CAGR
10 Years10.2%
5 Years16.07%
3 Years12.69%
TTM10.98%
EPS CAGR
10 Years9%
5 Years11.33%
3 Years13.82%
TTM20.36%
Return on Capital
10 Years9.77%
5 Years10%
3 Years9.33%
Last Year8.58%
MTB-PJ Recent Earnings
M&T Bank Corporation (MTB-PJ) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 4/12 qtrs (80%)●Beat Revenue 6/12 qtrs (100%)
Q2 2026Latest
Apr 15, 2026Metric
Actual
Est
EPS
$4.13+2.7%
$4.02
Rev
$2.4B+0.4%
$2.4B
Q1 2026
Jan 16, 2026Metric
Actual
Est
EPS
$4.67+4.2%
$4.48
Rev
$2.5B+0.1%
$2.5B
Q4 2025
Oct 16, 2025Metric
Actual
Est
EPS
$5.06+14.2%
$4.43
Rev
$3.5B+41.6%
$2.4B
Q3 2025
Jul 16, 2025Metric
Actual
Est
EPS
$4.47+12.0%
$3.99
Rev
$3.3B+34.8%
$2.4B
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 15, 2026 | $4.13vs $4.02+2.7% | $2.4Bvs $2.4B+0.4% |
| Q1 2026 | Jan 16, 2026 | $4.67vs $4.48+4.2% | $2.5Bvs $2.5B+0.1% |
| Q4 2025 | Oct 16, 2025 | $5.06vs $4.43+14.2% | $3.5Bvs $2.4B+41.6% |
| Q3 2025 | Jul 16, 2025 | $4.47vs $3.99+12.0% | $3.3Bvs $2.4B+34.8% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for M&T Bank Corporation (MTB-PJ)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $26.06 | $4.02B | 1.53 | -8.18% | 23.16% | 9.8% | 22.04% | |
| $71.78 | $30.35B | 18.60 | -9.71% | 17.51% | 7.63% | — | |
| $18.01 | $36.51B | 12.96 | 4.38% | 16.63% | 8.81% | — | |
| $30.59 | $26.1B | 13.36 | 2.51% | 23.13% | 11.75% | — | |
| $23.37 | $25.34B | 15.38 | 23.56% | 17.35% | 9.74% | — | |
| $57.92 | $52.49B | 16.36 | -1.4% | 15.91% | 8.86% | — |
Compare MTB-PJ vs Peers
M&T Bank Corporation (MTB-PJ) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
MTB-PJ SEC Filings & Documents
M&T Bank Corporation (MTB-PJ) SEC filings — annual & quarterly reports (10-K, 10-Q)
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MTB-PJ Frequently Asked Questions
M&T Bank Corporation (MTB-PJ) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is M&T Bank Corporation growing?
M&T Bank Corporation (MTB-PJ) saw revenue decline by 8.2% over the past year.
Is MTB-PJ profitable?
Yes, M&T Bank Corporation (MTB-PJ) is profitable, generating $2.93B in net income for fiscal year 2025 (23.2% net margin).
Dividend & Returns
Does MTB-PJ pay dividends?
Yes, M&T Bank Corporation (MTB-PJ) pays a dividend with a yield of 22.04%. This makes it attractive for income-focused investors.
What is MTB-PJ's return on equity?
M&T Bank Corporation (MTB-PJ) has a return on equity (ROE) of 9.8%. This is below average, suggesting room for improvement.
Industry Metrics
What is M&T Bank Corporation's net interest margin?
M&T Bank Corporation (MTB-PJ) has a net interest margin (NIM) of 3.3%. This indicates healthy earnings from lending activities.
What is M&T Bank Corporation's efficiency ratio?
M&T Bank Corporation (MTB-PJ) has an efficiency ratio of 44.6%. This is excellent, indicating strong cost control.