M&T Bank Corporation (MTB)
NYSE · Financial Services · Banks - Regional
Profile
M&T Bank Corporation
- Exchange
- NYSE
- Ticker
- MTB
- Sector
- Financial Services
- Industry
- Banks - Regional
- Country
- US
M&T Bank Corporation functions as a bank holding entity, delivering a broad spectrum of financial solutions to both commercial enterprises and individual consumers. Its Business Banking division caters to small businesses and professionals, providing essential services such as deposit accounts, credit facilities, and treasury management solutions. The Commercial Banking arm extends its reach to middle-market and large corporate clients, supplying a robust suite of offerings including deposit products, commercial loans and leases, letters of credit, and sophisticated cash management tools. Dedicated to Commercial Real Estate, the company engages in the origination, sale, and servicing of commercial property loans, alongside offering deposit services tailored for this sector. The Discretionary Portfolio segment focuses on internal financial management, overseeing deposits, investment securities, residential real estate loans, and other assets, while also managing short- and long-term borrowed funds and foreign exchange operations. Through its Residential Mortgage Banking segment, M&T originates home loans for consumers, subsequently selling these loans in the secondary market. It also acquires servicing rights for loans initially originated by other institutions. The Retail Banking segment serves individual customers with a diverse array of financial products, including demand, savings, and time deposit accounts; various consumer installment loans such as automobile and recreational vehicle financing; home equity loans and lines of credit; credit cards; and investment vehicles like mutual funds and annuities. Beyond these, M&T Bank offers specialized financial services encompassing trust and wealth management, fiduciary and custodial services, insurance brokerage, institutional securities services, and investment management. Customers can access these services through an extensive network of physical banking offices, dedicated business banking centers, as well as via telephone, online platforms, and automated teller machines (ATMs). As of December 31, 2021, the corporation maintained 688 domestic banking locations across New York, Maryland, New Jersey, Pennsylvania, Delaware, Connecticut, Virginia, West Virginia, and the District of Columbia. Additionally, it operates a full-service commercial banking office in Ontario, Canada. M&T Bank Corporation, established in 1856, has its corporate headquarters situated in Buffalo, New York.
Key facts
M&T Bank Corporation: key facts
- M&T Bank Corporation (NYSE: MTB) is a Banks - Regional company in the Financial Services sector.
- In fiscal 2025, M&T Bank Corporation reported revenue of $12.3B and net income of $2.9B.
- Revenue grew 19.3% a year over the last 4 fiscal years.
- Free cash flow was positive in 5 of the last 5 fiscal years.
- Net income was positive in 5 of the last 5 fiscal years.
- Over the last twelve months, revenue was $13.3B and net income was $3.0B.
MonkScore
M&T Bank Corporation's MonkScore
MonkScore
MonkScore range: 30–40
as of October 2026
Sector rank: 583 of 850 in Financial Services
How this score is madeDisclaimer
Pillar ranges
- Growth10–20
- Profitability80–90
- Quality30–40
- Market Conviction30–40
- Safety10–20
The MonkScore runs from 0 to 100. Each range is one of ten 10-point groups, from 0–10 to 90–100.
Each pillar's range uses the same ten groups. The exact score and the pillar scores are in the MonkStreet app.
Fundamentals
Figures from the statements
M&T Bank Corporation's annual figures and the last twelve months, in USD. Last report: 30 September 2026.
| Figure | Last 12 months | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Revenue | $13.3B | $12.3B | $13.4B | $12.5B | $8.4B | $6.1B |
| Gross profit | $9.5B | $9.2B | $8.6B | $8.8B | $7.5B | $6.0B |
| Operating income | $4.1B | $3.7B | $3.3B | $3.6B | $2.6B | $2.5B |
| Net income | $3.0B | $2.9B | $2.6B | $2.7B | $2.0B | $1.9B |
| Operating cash flow | $3.8B | $3.0B | $3.6B | $3.9B | $4.6B | $2.7B |
| Capital expenditure | -$122.0M | -$143.0M | -$216.0M | -$256.0M | -$214.0M | -$149.0M |
| Free cash flow | $3.7B | $2.9B | $3.4B | $3.6B | $4.4B | $2.6B |
| Total debt | $20.0B | $13.1B | $13.7B | $13.5B | $7.5B | $3.5B |
| Cash | $1.8B | $18.8B | $20.8B | $29.8B | $26.5B | $43.2B |
Revenue growth a year
- 1-year
- -8.2%
- 3-year
- 13.4%
- 4-year
- 19.3%
Compound growth between fiscal years.
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Page built on 31 October 2026.