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MTB · NYSE · United States · State Commercial Banks
In shortM&T BANK CORP is profitable.
Financial health
Strong
Built from five areas over the last five annual reports. Tap an area to see the figures behind it. Bank or insurer: tests that do not apply to them are left out.
| Operating marginShare of each sale left after running the business, before interest and tax. | – | n/a |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | 172.1% | 100/100 |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | 9.8% | 49/100 |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | 181.2% | n/a |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | 1.05× | n/a |
| Years with positive free cash flow (last 5) | 5 of 5 | n/a |
Weight in the score: 20%
| Profitable years (last 5) | 5 of 5 | 100/100 |
|---|---|---|
| Years of revenue decline (last 5) | 1 of 5 | 67/100 |
| Revenue growth volatility | 46.6% | 0/100 |
| Operating margin volatility | – | n/a |
Weight in the score: 20%
| Revenue growth, 3-year average | -41.3% | 0/100 |
|---|---|---|
| EPS growth, 3-year average | 13.8% | 94/100 |
Weight in the score: 10%
Fiscal year 2025 · change vs prior year
Annual figures as reported. Hover a bar or point for the exact value.
5 older years available with the 10-year history. Essential plan, from €8.25/month →
The last 5 fiscal years from the company's annual reports.
USD millions; negative values in parentheses.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | 5,992 | 8,179 | 9,643 | 1,541 | 1,657 |
| Interest expense | 114 | 425 | 3,109 | – | – |
| Pre-tax income | 2,455 | 2,612 | 3,619 | 3,310 | 3,692 |
| Income tax | 596 | 620 | 878 | 722 | 841 |
| Net income | 1,859 | 1,992 | 2,741 | 2,588 | 2,851 |
| Diluted EPS | $13.80 | $11.53 | $15.79 | $14.64 | $17.00 |
| Diluted shares (millions) | 129 | 164 | 167 | 167 | 159 |
5 older years available with the 10-year history. Essential plan, from €8.25/month →
Not computed: the model does not apply to banks and insurers.
7/9
Nine yes-or-no tests on profitability, debt, liquidity and efficiency versus the prior year. 7 to 9 is strong, 0 to 3 is weak.
All figures: SEC EDGAR. Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works
Latest annual report: Jun 30, 2026 · Data updated Aug 4, 2026