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Buy Day today: Poor Neutral (49) Good Mixed market breadth · no major macro event

M&T Bank Corporation (MTB)

Financial Services Banks - Regional
249.40 $
Closing price · As of: 20. Jul 2026
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Basics

Market Cap
34.1Mrd. $
Shares Outstanding
146Mio.
Float
99.5%
Beta
0.6

Performance

Perf. 1M
12.40%
Perf. 3M
19.90%
Perf. 6M
17.00%
YTD Performance (%)
16.40%
52-Week-High Distance
-0.9%

Valuation

P/E
13.3
Forward P/E
12.8
PEG
1.5
P/B
1.4
P/S
2.8
EV/EBITDA
0.0
Price/FCF
10.5

Profitability

Gross Margin
100.0%
EBIT Margin
38.9%
Net Margin
31.5%
Return on Equity
10.3%
Return on Assets
1.4%

Balance Sheet & Safety

Equity Ratio
13.0%
Debt/Equity
1.0
Altman Z
0.29
Piotroski
7 von 9

Growth

Sales Growth Last Quarter
5.70%
EPS Growth Last Quarter
24.40%
Sales Growth (Year)
-8.18%
Forward Sales Growth
3.74%
Forward EPS Growth
11.60%

Dividend

Dividend Yield
2.51%
Dividend Per Share (TTM)
6.00$
Payout Ratio
33.6%
Years Without a Cut
38Years
Increase Streak
9Years

Quality & Screener

Stage
2
RS Rating
61
EPS Rating
68
Piotroski
7 von 9
Fundamental Rating
C (+10 von 100)
Altman Z
0.29

AI Rating

Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built

Sales Per Quarter ($M)
2024: Q4 · 3,341.0 Mio. $ Q4 2025: Q1 · 3,171.0 Mio. $ Q1 2025: Q2 · 3,292.0 Mio. $ Q2 2025: Q3 · 2,513.0 Mio. $ Q3 2025: Q4 · 3,333.0 Mio. $ Q4 2026: Q1 · 3,225.0 Mio. $ Q1
Earnings Per Share Per Quarter ($)
2024: Q4 · 4.08 $ Q4 2025: Q1 · 3.54 $ Q1 2025: Q2 · 4.47 $ Q2 2025: Q3 · 5.06 $ Q3 2025: Q4 · 4.85 $ Q4 2026: Q1 · 4.24 $ Q1
Net Margin Per Quarter (%)
2024: Q4 · 20.4 % Q4 2025: Q1 · 18.4 % Q1 2025: Q2 · 21.7 % Q2 2025: Q3 · 31.5 % Q3 2025: Q4 · 22.8 % Q4 2026: Q1 · 20.6 % Q1
Operating Cash Flow Per Quarter ($M)
2024: Q4 · 1,676.0 Mio. $ Q4 2025: Q1 · 635.0 Mio. $ Q1 2025: Q2 · 844.0 Mio. $ Q2 2025: Q3 · 1,001.0 Mio. $ Q3 2025: Q4 · 523.0 Mio. $ Q4 2026: Q1 · 1,012.0 Mio. $ Q1
Free Cash Flow Per Quarter ($M)
2024: Q4 · 1,591.0 Mio. $ Q4 2025: Q1 · 610.0 Mio. $ Q1 2025: Q2 · 818.0 Mio. $ Q2 2025: Q3 · 1,052.0 Mio. $ Q3 2025: Q4 · 467.0 Mio. $ Q4 2026: Q1 · 916.0 Mio. $ Q1
Sales Growth vs. Year-Ago Quarter (%)
2024: Q4 · 1.3 % Q4 2025: Q1 · -3.9 % Q1 2025: Q2 · -2.4 % Q2 2025: Q3 · -25.9 % Q3 2025: Q4 · -0.2 % Q4 2026: Q1 · 1.7 % Q1
EPS Growth vs. Year-Ago Quarter (%)
2024: Q4 · 41.0 % Q4 2025: Q1 · 11.3 % Q1 2025: Q2 · 14.5 % Q2 2025: Q3 · 17.6 % Q3 2025: Q4 · 18.9 % Q4 2026: Q1 · 19.9 % Q1
Price Change in Quarter (%)
2024: Q4 · 6.2 % Q4 2025: Q1 · -4.3 % Q1 2025: Q2 · 9.3 % Q2 2025: Q3 · 2.6 % Q3 2025: Q4 · 2.8 % Q4 2026: Q1 · 3.3 % Q1

Quarterly Figures

Quarterly Figures
Quarter EPS (Earnings Per Share) EPS YoY (%) Sales ($M) Sales YoY (%) Net Margin (%) OCF ($M) FCF ($M)
2024: Q4 4.08 41.00 3,341 1.30 20.40 1,676 1,591
2025: Q1 3.54 11.30 3,171 -3.90 18.40 635 610
2025: Q2 4.47 14.50 3,292 -2.40 21.70 844 818
2025: Q3 5.06 17.60 2,513 -25.90 31.50 1,001 1,052
2025: Q4 4.85 18.90 3,333 -0.20 22.80 523 467
2026: Q1 4.24 19.90 3,225 1.70 20.60 1,012 916
What Do These Terms Mean?
EPS (Earnings Per Share):
Quarterly profit divided by the total share count — how much of the profit works out to a single share.
YoY (Year over Year):
Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
Sales:
All revenue for the quarter, before any costs are deducted — the top line of the income statement.
Net Margin:
What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
OCF (Operating Cash Flow):
The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
FCF (Free Cash Flow):
Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.

About the Company

M&T Bank Corporation ist die Bankholding der Manufacturers and Traders Trust Company und der Wilmington Trust, National Association, die Privat- und Geschäftsbankprodukte und -dienste in den USA anbietet. Das Unternehmen ist in drei Segmenten tätig: Commercial Bank, Retail Bank und weitere.

Employees21,866
HeadquartersBuffalo, NY
Websitemtb.com
IPO Date4. Oct 1991
Next Earnings15. Jul 2026

Management

Management
Name Title Birth Year
Rene F. Jones CPA Chairman & CEO 1965
Daryl N. Bible C.F.A. Senior EVP & CFO 1961
Peter G. D'Arcy Senior EVP & Head of Commercial Banking 1974
Christopher E. Kay J.D. Senior EVP & Head of Enterprise Platforms 1965
Michael A. Wisler Senior Executive VP & Chief Technology and Operations Officer 1976
Anthony Michael Roth J.D. Chief Investment Officer
Hugh Giorgio Head of Investment Banking
Tracy S. Woodrow Senior EVP, Regional President for Western New York & Chief Administrative Officer 1974
Rajiv Ranjan Head of Investor Relations & Corporate Development
Laura P. O'Hara J.D. Senior EVP & Chief Legal Officer 1960

Executives per the latest required filings; titles kept in their original language. Source: fundamental data.

Chart

Interactive price chart (TradingView).

Data as of: July 20, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)

Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.

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