Revenue segments as reported by the company.

Interest income

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Revenue Segments

Gross Profit, Operating Income, and Net Income as a percentage of Revenue

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An operating expense is an expense a business incurs through its normal business operations. Often abbreviated as OPEX.

Provision for credit losses

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Year over year growth in Revenue and Operating Expenses.

Revenue Y/Y

OpEx Y/Y

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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

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Earnings data Q3 2021

Earnings data Q4 2021

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Earnings data Q1 2023

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Earnings data Q1 2024

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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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The bank's five-year commitment will support CIE's training of entrepreneurs in Central Pa. HARRISBURG, Pa.

M&T Bank Commits $250,000 to Harrisburg University's Center for Innovation and Entrepreneurship

BUFFALO, N.Y. , Oct. 10, 2023 /PRNewswire/ -- M&T Bank (NYSE:MTB) announced its appointment of David W.

M&T BANK APPOINTS DAVID W. HOLLIS AS CHIEF HUMAN RESOURCES OFFICER

Wondering how to pick strong, market-beating stocks for your investment portfolio? Look no further than the Zacks Style Scores.

Why M&T Bank Corporation (MTB) is a Top Momentum Stock for the Long-Term

M&T Bank is a nuanced hold with a $155 price target, suggesting limited upside. Sturdy foundation: Conservative lending, robust capital, consistent dividend. Challenges: Increased nonperforming loans, low credit allowance, projected negative revenue growth.

Navigating M&T Bank: A Hidden Gem Or A Lost Cause?

Funding dedicated to 42 initiatives approved for state's Neighborhood Assistance Program HARRISBURG, Pa. , Sept. 27, 2023 /PRNewswire/ -- M&T Bank (NYSE: MTB) has provided $1.22 million this year to 42 initiatives aimed at serving distressed communities or low-income neighborhoods in Pennsylvania through the state's Neighborhood Assistance Program (NAP).

M&T Bank Provides $1.22 Million to Community Revitalization Programs in Pennsylvania

BUFFALO, N.Y. , Sept. 22, 2023 /PRNewswire/ -- M&T Bank Corporation ("M&T") (NYSE:MTB) plans to announce its third quarter 2023 earnings results in a press release that will be issued before the market opens on Wednesday, October 18, 2023.

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

The bank's $300,000 donation serves to renovate the nonprofit's first market, giving SNAP recipients a fresh alternative to traditional meal and grocery options PHILADELPHIA , Sept. 20, 2023 /PRNewswire/ -- M&T Bank (NYSE: MTB) is helping one nonprofit organization reinvent the community corner store concept and promote food access in neighborhoods across West and Southwest Philadelphia.

M&T Bank Partners with The Community Grocer to Address Food Access and Insecurity In Philadelphia

BUFFALO, N.Y. , Sept. 14, 2023 /PRNewswire/ -- M&T Bank (NYSE:MTB) today announced its appointment of Phil Cohen as Regional President of Maine.

M&T Bank Appoints Phil Cohen as Maine Regional President

M&T Bank's (MTB) top-line growth is supported by rising NII and non-interest income. However, high costs and significant exposure to commercial real estate loans are concerning.

Organic Growth Supports M&T Bank (MTB), High Costs Disappoint

Citizens Financial Group

First Citizens BancShares

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PNC Financial Services

Truist Financial

Financial Select Sector SPDR Fund

Eighteen regional banks may add about $63 billion of holding company debt to meet proposed regulatory guidelines for lending institutions of $100 billion to $250 billion of assets, in the latest challenge to the sector, according to a Bloomberg report.

Regional banks may saddle themselves with $63B in fresh debt to meet regulatory requirements: report

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A survey of commercial real estate exposure by U.S. regional banks reveals increasing asset risk and potential credit losses as loans mature over the next 18 months, Moody's Investors Service said.

Regional banks facing credit losses for commercial real estate: Moody's study

Citigroup

Moody's downgraded 10 regional banks in August, including M&T Bank. The credit ratings firm cited several factors that could result in profitability pressures.

Why Citigroup, PNC Financial, and M&T Bank Stocks Fell in August

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This article presents the highest-quality Dividend Challengers, companies listed on U.S. exchanges with consistently higher annual dividend payouts for 5-9 years. The top 20 highest-quality Dividend Challengers are identified based on a quality scoring system, with Toronto-Dominion Bank, Dolby Laboratories, and Thermo Fisher Scientific making the top three. The article also highlights stocks trading at favorable valuations and offering compelling metrics for income-focused, growth-oriented, value-driven, and total-return investors.

The Highest Quality Dividend Challenger Summary

BRIDGEPORT, Conn. , Aug. 30, 2023 /PRNewswire/ -- M&T Bank (NYSE: MTB) today announced that it will open a new branch in Bridgeport's East End neighborhood.

M&T Bank Announces New Branch in Bridgeport's East End Following Community's Input

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The failure of three large midsize banks in 2023 has regulators watching closely for signs of further risk to the banking system. A key concern is making sure the largest of this group are well capitalized enough to make all depositors whole in a failure scenario.

These Banks Are About to Face (Another) Profit Headwind: What It Means for Investors

Initiative Designed to Advance Equity throughout Connecticut, Massachusetts, Vermont, New Hampshire, Southern Maine, and New York's Long Island and Westchester Counties Nonprofit Collaboratives Encouraged to Apply BUFFALO, N.Y. , Aug. 23, 2023 /PRNewswire/ -- The M&T Charitable Foundation, the philanthropic arm of M&T Bank (NYSE: MTB), today launched the second phase of its Amplify Fund which provides support to nonprofit initiatives in legacy People's United communities that benefit low- and moderate-income communities and underrepresented populations.

M&T CHARITABLE FOUNDATION ANNOUNCES CALL FOR PROPOSALS FOR AMPLIFY FUND PHASE II

BUFFALO, N.Y., Aug. 22, 2023 /PRNewswire/ -- M&T Bank Corporation ("M&T") (NYSE:MTB) announced today that it plans to host conference calls to review quarterly financial results on the following dates: Third quarter 2023 – Wednesday, October 18, 2023, at 10:00 a.m.

M&T Bank Corporation Announces Conference Call Dates to Review Third Quarter and Fourth Quarter 2023 Earnings and Quarterly 2024 Earnings

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Moody's recently downgraded some regional banks, while others could face a similar fate. The credit ratings agency cited the effects of higher interest rates, a potential recession, and tighter financial conditions for the downgrades.

Moody's Just Put These Big Banks on Notice. Here's What You Need to Know

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Financial stocks are among the worst-performers in the S&P 500 SPX on Tuesday, after more than one fresh challenge in the sector. FDIC Chairman Martin Gruenberg said large regional banks should face new rules and tougher oversight.

Financial stocks weaken on multiple headwinds

News for M&T Bank Stock (MTB)