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M&T Bank Corporation (MTB)
Financial Services · Banks - Regional · NYSE
M&T Bank Corporation revenue & earnings — last 10 fiscal years
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $5.30B | $5.63B | $5.93B | $6.19B | $5.95B | $5.99B | $8.18B | $9.64B | $9.28B | $9.69B |
| Gross profit | — | — | — | — | — | — | — | — | — | — |
| Net income | $1.32B | $1.41B | $1.92B | $1.93B | $1.35B | $1.86B | $1.89B | $2.64B | $2.45B | $2.70B |
| Net margin | 24.8% | 25.0% | 32.4% | 31.2% | 22.7% | 31.0% | 23.1% | 27.3% | 26.4% | 27.9% |
Source: M&T Bank Corporation SEC filings (10-K). 19 years of history available in the interactive view.
What growth is priced into MTB stock?
At today's market cap of $33.01B, M&T Bank Corporation is priced for free-cash-flow growth of about -3.3% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $3.65B from the FY ending 2023-12-31). For comparison, free cash flow actually grew 12.9%/yr over the last five fiscal years and revenue 10.2%/yr, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 19 years of M&T Bank Corporation financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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M&T Bank Corporation financial history by metric
About M&T Bank Corporation
M&T Bank Corporation operates as a bank holding company for Manufacturers and Traders Trust Company and Wilmington Trust, National Association that provides 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, deposit products, cash management services, commercial real estate loans, and credit facilities secured by various commercial real estate properties 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, direct deposit, and merchant credit card 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, and administrative services; personal trust, planning and advisory, 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. M&T Bank Corporation was founded in 1856 and is headquartered in Buffalo, New York.
M&T Bank Corporation — frequently asked questions
What is M&T Bank Corporation's revenue?
M&T Bank Corporation (MTB) reported revenue of $9.69B for fiscal year 2025, up 4.4% from the prior year, according to its SEC filings.
Is M&T Bank Corporation profitable?
Yes. MTB earned net income of $2.70B in fiscal 2025, a net margin of 27.9%.
What is MTB's P/E ratio?
M&T Bank Corporation trades at a price-to-earnings ratio of about 12.7 based on the latest data in our nightly-refreshed cache.
How fast is M&T Bank Corporation growing?
MTB's revenue grew at roughly 10.2% per year over the last five fiscal years (compound annual growth rate), computed from SEC-filed statements.
How much debt does M&T Bank Corporation have?
As of fiscal year 2025, MTB carried roughly $13.06B in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is M&T Bank Corporation's market cap?
M&T Bank Corporation (MTB) has a market capitalization of about $33.01B, based on the latest data in our nightly-refreshed cache.
When does M&T Bank Corporation's fiscal year end?
MTB's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into MTB stock?
At today's market cap of $33.01B, M&T Bank Corporation is priced for free-cash-flow growth of about -3.3% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $3.65B from the FY ending 2023-12-31). For comparison, free cash flow actually grew 12.9%/yr over the last five fiscal years and revenue 10.2%/yr, computed from its SEC filings.
Where does this data come from?
All figures are computed from M&T Bank Corporation's official SEC filings (10-K and 10-Q), covering 19 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.