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M&T BANK CORP

MTB

$250.40 ▲ +0.36 (+0.14%) at close

20 Visible periods

36 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

M&T BANK CORP shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $39.5B

Dividend Yield 2.28%

Revenue Growth 4.4% ↗

Op. Margin 38.1% ↗

ROIC None

FCF / Share None

Trailing P/E 14.6x

Price / Book 1.4x

FCF Yield —

Debt / Equity 0.45

info Valuation on last close. End-of-day price, Aug 7, 2026.

20-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$9.69B

↑ +4.4% —

Net Income Profit after all expenses

$2.85B

↑ +10.2% —

Operating Margin Operating profit as % of sales

38.1%

↑ +6.8% 92th

Long-Term Debt Long-term obligations

$10.91B

↓ -13.4% —

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Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Financial Health ↑

Dividend History

Dividend / share · sourced from SEC filings

$5.70 Latest / share

+6.5% YoY

+19.4% 5-yr CAGR

$2.80

FY 2014

$2.80

FY 2015

FY 2016

FY 2017

FY 2018

FY 2019

FY 2020

FY 2021

FY 2022

$5.20

FY 2023

$5.35

FY 2024

$5.70

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Revenue Growth YoY (%)	4.4% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-26%)	-3.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-163%)	17.9% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+198%)	36.5% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+508%)	0.6% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-90%)	-3.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-164%)	4.4% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-26%)	5.3% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-12%)	6.4% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+6%)	13.5% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+124%)	4.8% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-21%)	-1.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-130%)	6.4% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+7%)	7.4% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+23%)	17.7% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+195%)	8.8% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+46%)	7.8% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+30%)	3.4% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-43%)	—	—
EPS Growth YoY (%)	16.2% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	-7.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	36.8% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-16.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	38.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-27.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	7.9% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	46.2% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	11.8% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	8.0% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-3.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-9.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	9.1% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	18.8% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	11.4% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	97.2% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-42.5% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	-16.7% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	10.2% Fair ↓ Fair Declining Year-over-year change in net income	-5.6% Weak ↓ Weak Declining Year-over-year change in net income	37.6% Excellent ↑ Excellent Improving Year-over-year change in net income	7.2% Fair ↑ Fair Improving Year-over-year change in net income	37.4% Excellent ↑ Excellent Improving Year-over-year change in net income	-29.9% Weak ↓ Weak Declining Year-over-year change in net income	0.6% Caution ↓ Caution Declining Year-over-year change in net income	36.2% Excellent ↑ Excellent Improving Year-over-year change in net income	7.1% Fair ↑ Fair Improving Year-over-year change in net income	21.8% Good ↑ Good Improving Year-over-year change in net income	1.3% Caution ↓ Caution Declining Year-over-year change in net income	-6.3% Weak ↓ Weak Declining Year-over-year change in net income	10.6% Fair ↓ Fair Declining Year-over-year change in net income	19.8% Good ↓ Good Declining Year-over-year change in net income	16.8% Good ↑ Good Improving Year-over-year change in net income	93.8% Excellent ↑ Excellent Improving Year-over-year change in net income	-31.7% Weak Weak Year-over-year change in net income	-15.0% Weak Weak Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	5.8% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	15.7% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	17.4% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	9.7% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	0.4% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	1.9% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	5.3% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	8.3% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	8.1% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	5.3% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	3.0% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	3.9% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	10.4% Good ↑ Good Improving Compound annual revenue growth over 3 years	11.2% Good ↑ Good Improving Compound annual revenue growth over 3 years	11.3% Good Good Compound annual revenue growth over 3 years	6.6% Fair Fair Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	10.2% Good ↑ Good Improving Compound annual revenue growth over 5 years	8.4% Good ↑ Good Improving Compound annual revenue growth over 5 years	10.2% Good ↑ Good Improving Compound annual revenue growth over 5 years	7.7% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	2.5% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	5.0% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	6.8% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	5.5% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	5.7% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	5.9% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	6.7% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	7.5% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	9.5% Good Good Compound annual revenue growth over 5 years	8.9% Good Good Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	13.8% Good ↑ Good Improving Compound annual EPS growth over 3 years	2.1% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	16.8% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-5.6% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	2.7% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	4.5% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	20.8% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	20.9% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	5.3% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	-1.9% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-1.6% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	5.5% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	13.0% Good ↓ Good Declining Compound annual EPS growth over 3 years	37.7% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	8.1% Fair Fair Compound annual EPS growth over 3 years	-1.9% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Operating Margin (%) (%)	38.1% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+52%)	35.7% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+43%)	37.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+50%)	31.9% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+28%)	41.0% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+64%)	29.7% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+19%)	41.1% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+65%)	42.3% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+69%)	41.3% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+65%)	38.9% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+55%)	35.9% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+44%)	36.9% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+47%)	37.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+51%)	36.4% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+46%)	30.8% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+23%)	32.4% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+29%)	—	—	—	—
Effective Tax Rate (%) (%)	22.8% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.8% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.3% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.7% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.3% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.5% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.3% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.5% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	39.4% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	36.1% Weak → Weak Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	35.5% Weak → Weak Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	35.1% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	33.7% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	33.7% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	29.8% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	32.6% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—
Profit Margin (%) (%)	29.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+34%)	27.9% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+27%)	28.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+29%)	24.4% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+11%)	31.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+41%)	22.7% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	31.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+42%)	32.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+47%)	25.0% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+14%)	24.8% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+13%)	23.1% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+5%)	23.9% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+9%)	25.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+14%)	24.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+10%)	21.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	21.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	12.2% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-44%)	19.3% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-12%)	23.5% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+7%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.8% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	9.8% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-19%)	8.9% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-26%)	10.2% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-15%)	7.9% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-34%)	10.4% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-13%)	8.4% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-30%)	12.3% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	12.4% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	8.7% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-28%)	8.0% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-34%)	6.7% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-44%)	8.6% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-28%)	10.1% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-16%)	10.1% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-16%)	9.3% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-23%)	8.8% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-27%)	4.9% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-59%)	8.2% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-32%)	—	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Debt to Equity (x)	0.45x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-63%)	0.47x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-61%)	0.50x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-58%)	0.30x Excellent → Excellent Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-75%)	0.20x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-84%)	0.27x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-77%)	0.45x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-63%)	0.83x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-31%)	0.51x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-57%)	0.59x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-51%)	0.79x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-34%)	0.75x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-38%)	0.47x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-60%)	0.56x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-54%)	0.81x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-33%)	0.95x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-21%)	1.35x Caution Caution Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+13%)	1.78x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+48%)	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Revenue per Share (USD)	$61.38	$55.74	$57.96	$50.12	$46.57	$46.29	$46.06	$41.17	$37.02	$33.78	$34.12	$34.03	$35.28	$33.89	$32.39	$28.56	$27.07	—	—	—
Basic EPS, GAAP (USD)	$17.10	$14.71	$15.85	$11.59	$13.81	$9.94	$13.76	$12.75	$8.72	$7.80	$7.22	$7.47	$8.26	$7.57	$6.37	$5.72	$2.90	$5.04	$6.05	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$5.70	$5.35	$5.20	—	—	—	—	—	—	—	$2.80	$2.80	$2.80	$2.80	$2.80	$2.80	—	—	—	—
Book Value per Share (USD)	$184.81	$174.36	$162.04	$155.16	$139.16	$125.84	$116.91	$107.37	$106.80	$105.16	$118.22	$94.20	$87.88	$81.06	$75.58	$70.71	$67.62	—	—	—
Tangible Book Value per Share (USD)	$131.19	$123.51	$111.16	$103.13	$103.46	$90.13	$82.75	$75.47	$76.62	$75.86	$84.65	$67.29	$60.48	$52.14	$45.41	$39.83	$35.29	—	—	—
Basic Weighted Avg Shares (shares)	157.88M	166.48M	166.36M	163.17M	128.65M	128.64M	134.43M	143.99M	152.16M	156.78M	136.80M	130.95M	128.65M	125.86M	122.66M	118.19M	114.66M	—	—	—
Dividend Payout Ratio (%)	33.3% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	36.4% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	32.8% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—	—	—	—	—	37.0% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	44.0% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	49.0% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$10.91B	$12.61B	$8.20B	$3.96B	$3.49B	$4.38B	$6.99B	$8.44B	$8.14B	$9.49B	$10.65B	$9.01B	$5.11B	$4.61B	$6.69B	$7.84B	$10.24B	$12.08B	—	—
Total Equity (USD)	$29.18B	$29.03B	$26.96B	$25.32B	$17.90B	$16.19B	$15.72B	$15.46B	$16.25B	$16.49B	$16.17B	$12.34B	$11.31B	$10.20B	$9.27B	$8.36B	$7.75B	$6.78B	—	—

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Sales/Revenue/Turnover (USD)	$9.69B	$9.28B	$9.64B	$8.18B	$5.99B	$5.95B	$6.19B	$5.93B	$5.63B	$5.30B	$4.67B	$4.46B	$4.54B	$4.27B	$3.97B	$3.38B	$3.10B	$2.88B	$2.78B	—
Depreciation Expense (USD)	$323.00M	$316.00M	$304.00M	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Net Income, GAAP (USD)	$2.85B	$2.59B	$2.74B	$1.99B	$1.86B	$1.35B	$1.93B	$1.92B	$1.41B	$1.32B	$1.08B	$1.07B	$1.14B	$1.03B	$859.48M	$736.16M	$379.89M	$555.89M	$654.26M	—
Operating Cash Flow (USD)	$3.00B	$3.61B	$3.90B	$4.57B	$2.71B	$789.19M	$2.36B	$2.09B	$2.78B	—	—	—	—	$499.98M	$1.77B	$1.68B	$1.19B	$1.63B	$1.33B	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Net Interest Margin (approx.) (%)	3.3%	3.3%	3.4%	2.9%	2.5%	2.7%	3.4%	3.4%	3.2%	2.8%	2.3%	2.8%	3.1%	3.1%	3.1%	3.3%	3.0%	2.9%	—	—
Efficiency Ratio (%) (%)	56.7%	57.8%	55.8%	61.7%	60.3%	56.8%	56.0%	55.5%	55.8%	57.5%	60.5%	60.4%	58.1%	58.8%	62.4%	56.7%	63.8%	60.0%	58.5%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 20 years · 72 quarters

M&T BANK CORP

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