M&T Bank/$MTB

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About M&T Bank

M&T Bank is one of the largest regional banks in the United States, with branches in New York, Pennsylvania, West Virginia, Virginia, Maryland, Delaware, Massachusetts, New Hampshire, Vermont, Maine, Connecticut, and New Jersey. The bank was founded to serve manufacturing and trading businesses around the Erie Canal and is primarily focused on commercial real estate and commercial-related lending, with some retail operations also present.

Ticker

$MTB
Sector

Primary listing

NYSE

Employees

22,590

M&T Bank Metrics

BasicAdvanced
$30B
12.31
$15.44
0.66
$5.55
3.16%

What the Analysts think about M&T Bank

Analyst ratings (Buy, Hold, Sell) for M&T Bank stock.

Bulls say / Bears say

Nonaccrual loans dropped 9% quarter-over-quarter to $1.54 billion and 33% year-over-year, while total nonperforming assets were $1.57 billion in Q1 2025. This shows stronger asset quality. (M&T Q1 2025 Results)
Average loans rose by $819 million year-over-year, reaching $135.4 billion in Q2 2025, led by a $2.9 billion gain in commercial and industrial loans and a $3.4 billion increase in consumer lending. (M&T Q2 2025 Results)
The Federal Reserve lowered M&T’s preliminary stress capital buffer from 3.8% to 2.7% effective October 1, 2025, highlighting improved capital strength and risk management. (Preliminary SCB Announcement)
Commercial real estate loan balances fell 4% from the previous quarter and 19% compared to last year, reaching $25.3 billion in Q2 2025. This ongoing decline, due to run-offs and asset sales, could put core lending revenues under pressure. (M&T Q2 2025 Results)
The yield on average loans dropped by 27 basis points quarter-over-quarter in Q2 2025, which could negatively affect net interest income margins even though overall NII is up. (M&T Q2 2025 Results)
M&T’s estimated Common Equity Tier 1 ratio stood at 10.98% as of June 30, 2025, down from 11.50% at March 31. This reduced capital buffer comes ahead of new, higher loss-absorption requirements. (M&T Q2 2025 Capital Ratios)
Data summarised monthly by Lightyear AI. Last updated on 2 Oct 2025.

M&T Bank Financial Performance

Revenues and expenses
QuarterlyAnnual
Q3 24
QoQ growth
Revenue
$37B
-39.75%
Net income
$45B
107.52%
Profit margin
37.65%
6.78%

M&T Bank Earnings Performance

Company profitability
QuarterlyAnnual
Q4 23
Q1 24
Q2 24
Q3 24
Q4 24
Actual
$3.69
$2.85
$2.45
$2.42
-
Expected
$3.55
$2.61
$2.05
$2.31
$3.94
Surprise
3.94%
9.20%
19.51%
4.63%
-
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.

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