What is MTB's gross margin?

M&T Bank (MTB) has a gross margin of 72% and a net margin of 24%.

What is MTB's P/E ratio?

MTB's P/E ratio is 11.5 with ROE of 11%.

Where can I see MTB's full financials?

See M&T Bank (MTB) income statement, cash flow, and balance sheet — quarterly and annual — alongside insider trading activity.

M&T Bank (MTB) Financials — Revenue, Earnings, Cash Flow

Also trades as: MTB-PJ (NYSE) · $vol 2M · MTB-PH (NYSE) · $vol 1M · 0JW2.L (LSE) · $vol 0M

$220.20

-1.11 (-0.50%)

Weekly Expected Move ±2.2%

$212 $217 $222 $227 $231

NYSE · Financial Services · Banks - Regional · Tech Score Neutral · Power 53 · $31.8B mcap · 144M float · 0.752% daily turnover · Short 52% of daily vol

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: $757.8M held by 457 funds, 80 bp over Treasuries → details ▾

Not rated: lending and leverage are a financial company's business, which the model misreads.
Bond figures are fund-reported marks (SEC N-PORT) as of Jul 2026. How these are computed.

📊 Key Metrics

TTM

$12B

Revenue

-5.8% YoY

$3B

Net Income

+12.3% YoY

$4B

Free Cash Flow

+24.3% YoY

71.8%

Gross Margin

37.7%

Op. Margin

24.3%

Net Margin

💰 Income Flow

How revenue becomes profit

💵 Cash Flow

Where cash goes

🏦 Balance Sheet

Assets = Liabilities + Equity

📈 Financial Health

Profitability

ROE10.7%

ROA1.4%

ROIC7.2%

Valuation

P/E11.5

P/B1.1

EV/EBITDA12.1

Leverage

Debt/Equity0.65

Current Ratio0.42

Interest Cov.1.2x

Quality Scores

Piotroski F7/9

Altman-B2.74

Beneish M-2.41