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

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Margins

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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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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Mid to large cap banks have contracted from 12.5x forward earnings in late 2021 (before the Fed began to tighten), to 7.0x today. M&T has a superior underwriting track record and currently trades at only 7.5x earnings and carries a healthy 4.1% yield.

M&T: Super High Quality Regional Bank Trading At Bargain 7.5x Earnings

M&T's commercial real estate exposure is close to 300% of core capital, which is the level of exposure that starts to attract attention from regulators. Credit quality is still holding up.

M&T Bank Has More Commercial Real Estate Exposure Than Its Peers. How Is Credit Quality Holding Up?

Bank of America

Citigroup

JPMorgan Chase & Co

PNC Financial Services

U.S. Bancorp

The 2023 Q1 earnings picture emerging at this early stage is one of resilience and stability, with an above-average proportion of companies beating estimates and providing a good-enough outlook in an uncertain macro environment.

2023 Q1 Earnings Season Off to a Promising Start

M&T Bank Corporation (MTB) Q1 2023 Earnings Call Transcript

Charles Schwab

State Street

Regional banks in the United States on Monday reported deposit outflows between 3% and 11% from the prior quarter after customers sought the refuge of bigger banks in the aftermath of one of the worst banking crises.

Factbox: Deposit flight from U.S. regional banks raise questions about funding costs

Goldman Sachs

Morgan Stanley

Wells Fargo

First-quarter earnings from the largest U.S. banks are off to a mostly positive beginning despite a tough start to the year for the sector, analysts at Jefferies said Monday.

Bank earnings ‘off to a good start,' with Bank of America and Goldman Sachs on deck

Increased revenues, a solid loan and deposit balance, and higher rates support M&T Bank's (MTB) Q1 earnings, while higher provisions and expenses pose as undermining factors.

M&T Bank (MTB) Q1 Earnings Top Estimates on Higher Revenues

M&T Bank Corporation (MTB) came out with quarterly earnings of $4.09 per share, beating the Zacks Consensus Estimate of $3.98 per share. This compares to earnings of $2.73 per share a year ago.

M&T Bank Corporation (MTB) Q1 Earnings and Revenues Beat Estimates

Charles Schwab stock rose early Monday after it beat Q1 earnings estimates. M&T Bank, State Street report results following March bank panic.

Charles Schwab Stock Rises After Earnings Beat, Pauses Buybacks; M&T Rallies, State Street Dives

The strong report gives investors a confidence boost in the regional lender following trouble in the wider banking sector earlier this year.

M&T Bank's Earnings Defy Turmoil to Top Forecasts. The Stock is Rising.

M&T Bank Corp. MTB, +0.03% stock is up about 3% on Monday after the bank's first-quarter earnings of $4.01 a share beat the analyst target of $3.94 a share, according to estimates compiled by FactSet. M&T Bank's net income nearly doubled to $702 million from $362 million, with a boost from its acquisition of People's United Financial Inc. M&T Bank CFO Darren J.

M&T Bank stock rises on earnings beat

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

M&T Bank Corp beats profit estimates as interest income doubles

BUFFALO, N.Y. , April 17, 2023 /PRNewswire/ -- M&T Bank Corporation ("M&T") (NYSE: MTB) today reported its results of operations for the quarter ended March 31, 2023.

M&T BANK CORPORATION ANNOUNCES FIRST QUARTER RESULTS

BOK Financial

Cullen/Frost Bankers

Comerica

First Financial Bancorp

First Interstate BancSystem

F.N.B. Corp.

SPDR S&P Bank ETF

Trustmark

Washington Federal

WSFS Financial

What banking crisis? For some banks, profits are booming.

10 Banks Are Raking It In As Their Profits Soar, Analysts Say

M&T Bank has a stronger deposit franchise than many of its peers, with less reliance on large uninsured deposits, more "Main Street" depositors, and lower than average deposit costs. Credit quality in the CRE portfolio is likely to be a key watch item given M&T's above-average exposure, and particularly so in the office portfolio.

M&T Bank Looks Like A Relative Safe Haven In A Very Nervous Market

The decent increase in loan balances, along with higher interest rates, are likely to support M&T Bank's (MTB) Q1 net interest income. Yet, expenses are expected to rise, limiting bottom-line growth.

NII to Support M&T Bank's (MTB) Q1 Earnings, Expenses to Hurt

System1, Inc

In the first half hour of Thursday's regular session, the Dow Jones industrials traded up 0.02%, the S&P 500 up 0.28% and the Nasdaq 0.87% higher.

Earnings Previews: Charles Schwab, M&T Bank, State Street

Banco Bradesco

Bank of Montreal

MicroSectors U.S. Big Banks Index -3X Inverse Leveraged ETN

MicroSectors U.S. Big Banks Index 3X Leveraged ETN

Bank of Nova Scotia

Canadian Imperial Bank of Commerce

Davis Select Financial ETF

iShares MSCI Europe Financials ETF

Fifth Third Bancorp

First Trust Nasdaq Bank ETF

Huntington Bancshares

HSBC Holdings

iShares U.S. Regional Banks ETF

iShares Global Financials ETF

Invesco KBW Bank ETF

Invesco KBW Regional Banking ETF

KeyCorp

SPDR S&P Regional Banking ETF

First Trust NASDAQ ABA Community Bank Index Fund

Royal Bank of Canada

SVB Financial Group

One month ago, Silicon Valley Bank failed, with a resulting decline across the diversified banking industry. Some investors may be tempted to buy the dip, while others are considering doubling down on losing positions.

Banks Are On Sale But Risks Remain

BancFirst

Fears over the banking crisis and customers' ability to earn more yield on safer assets have made retaining deposits very difficult for banks. Banks that lose lots of deposits will see their earnings struggle.

5 Bank Stocks That Can Navigate the Challenging Deposit Environment Right Now

Seven-week business accelerator program to be held at Harrisburg University, beginning May 10 HARRISBURG, Pa. , April 4, 2023 /PRNewswire/ -- M&T Bank (NYSE: MTB) is seeking as many as 50 entrepreneurs to participate in its second annual Capital Region Multicultural Small Business Lab – a program designed to provide multicultural business owners with the guidance and skills needed to build strong businesses, spur economic growth in the Harrisburg area and build generational wealth for their families.

M&T Bank Launches Second Annual Multicultural Small Business Lab for Greater Harrisburg Entrepreneurs

Citizens Financial Group

Office loans are of big concern because the shift to remote work pushed up office vacancy rates and lowered demand. Analysts say banks could experience high loss rates in their office portfolios.

Are the Largest U.S. Banks Prepared for Stress in Their Office Loan Portfolios?

Regional banks have been crushed by the Silicon Valley Bank fallout. M&T Bank is one of the safer choices in this space, and valuations are reasonable.

M&T Bank: Conservative Bank's Valuation At GFC And COVID Lows

M&T Bank has been pressured by the same issues as the sector at large. Considered a regional bank, the company will likely see a bit more deposit outflows here as well.

M&T Bank: Banking Concerns

Dime Community Bank

Flushing Financial

National Bankshares

Simmons First National Corporation

A new year comes with new challenges. On top of the existing uncertainty related to inflation, interest rates and geopolitical turmoil, the recent collapse of SVB Financial Group's ( SIVBQ , Financial) Silicon Valley Bank and Signature Bank ( SBNY , Financial) have caused many investors to seek some stability within their portfolios.

News for M&T Bank Stock (MTB)