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MTB
M&T Bank Corporation
+32%
+2.8% per year

Past performance does not guarantee future results. The data presented is indicative and may not be updated in real-time.

Country US
Exchange NYSE
Industry Banks - Regional
Sector Financial Services
Market Cap $32.06B
CEO Mr. Rene F. Jones CPA

M&T Bank Corporation is a bank that provides a variety of financial services for both individuals and businesses. They offer checking and savings accounts, loans for homes and cars, and help small businesses with money management and loans. With many branches in the northeastern United States and some in Canada, M&T Bank helps people manage their money and achieve their financial goals. Founded in 1856, the bank has a long history of serving its communities.

Streams of revenue

Retail Banking: 64%
Commercial Banking: 36%

Geographic Distribution

All Other: 100%

Core Products

💳
Credit Cards Credit solutions
💼
Business Loans Business funding
🏠
Mortgage Loans Home financing
💰
Savings Accounts Save money
🏦
Checking Accounts Daily banking

Business Type

B2C Business to Consumer

Competitive Advantages

🏦
Strong Regional Presence M&T Bank has a robust network of banking offices across key northeastern states, allowing it to build strong customer relationships and brand loyalty.
📊
Diverse Service Offerings The bank provides a wide range of financial services, including commercial and retail banking, wealth management, and investment services, catering to various customer needs.
🏢
Focus on Commercial Banking M&T Bank emphasizes commercial banking, serving middle-market and large businesses, which often leads to higher margins and long-term client relationships.
🤝
Established Reputation and Trust With a history dating back to 1856, M&T Bank has built a strong reputation for reliability and customer service, fostering trust among its clientele.
🔒
Strong Risk Management Practices The bank employs rigorous risk management strategies, helping to maintain stability and trust during economic fluctuations.

Key Business Risks

⚠️
Credit Risk The risk of loss arising from borrowers failing to meet their financial obligations.
📉
Market Risk The risk of losses due to changes in market conditions, including interest rates and economic downturns.
⚙️
Operational Risk The risk of loss resulting from inadequate or failed internal processes, systems, or external events.
🌧️
Reputational Risk The risk of loss due to damage to the bank's reputation, which can affect customer trust and business relationships.
🛡️
Regulatory Compliance Risk The risk of legal penalties or financial loss due to non-compliance with banking regulations and laws.

Meeting Expectations

7 /10

Higher values indicate better execution and credibility

Recent Results

Beat earnings 2025-01-16
Beat earnings 2024-10-17
Beat earnings 2024-07-18
Beat earnings 2024-04-15
Missed earnings 2024-01-18
Beat earnings 2023-10-18
Beat earnings 2023-07-19
Beat earnings 2023-04-17
Missed earnings 2023-01-19
Missed earnings 2022-10-19

Takeaways

M&T Bank Corporation boasts a diversified business model with strong regional presence and effective management, contributing to its financial stability and growth potential. However, it faces competitive pressures and economic uncertainties that could impact future performance.

Historical data shows an impressive CAGR compared with the USA stock market average, reflecting a strong market position.

Yearly Return 10Y annualized return is positive but below market average at 2.8% per year
Earnings Expectations MTB has met or exceeded earnings expectations in the majority of recent quarters (7/10)

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