M&T Bank Corp. (MTB)

From the record

M&T Bank Corp.'s filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

From the record

M&T Bank Corp.'s 10 filed years say what it did: revenue went from $3.9 billion in fiscal 2016 to $10 billion in fiscal 2025, up 11.6% a year; it rose in 6 of 9 years; the deepest fall was 19% from fiscal 2019 to fiscal 2021; net income was positive in 10 of 10 of those years (its annual reports).

From the record

Over the 3 fiscal years to 2025-12-31, M&T Bank Corp.'s diluted share count shrank about 1.1% a year, and dividends and buybacks returned about 60% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 22 sales (7 under scheduled 10b5-1 plans) and 0 purchases of their own stock on the open market in the year to 2026-10-20 (their Form 4 filings).

From the record

Return on equity: in the fiscal year ended 2025-12-31, M&T Bank Corp. earned about 10 cents of profit for every dollar of shareholders' money. Leverage: it owed about 86 cents per dollar of assets, and net share issuance: its share count shrank 5.1% over the year (the filed statements).

From the record

M&T Bank Corp.'s standing among 155 graded names in its industry family: revenue of $10 billion in fiscal 2025 ranks in the top 3% by size; a net margin of 27.2% ranks in the top 24%; revenue growth of 18.8% a year over the last 3 filed years ranks in the top 40% (its annual reports).

From the record

M&T Bank Corp.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Jones, Rene F (Chairman of the Board and CEO, as filed), filing under that title since 2018-01-31, 8.8 years (top 37% of its family); the 25 officers and directors filing in the last fifteen months have been on the record a median of 6 years (bottom 33%); 2 officer or director changes were reported on Form 8-K since 2023-11-13, against the 25 people in charge now (top 8%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

From the record

M&T Bank Corp.'s room to grow, from the newest filed statements (fiscal 2025): cash of $19 billion against debt of $11 billion leaves 3.7% of its assets as net cash, top 45% of its family; cash from operations less capital spending is 28.6% of revenue (top 28%) (its annual report).

From the record

M&T Bank Corp.'s growth drivers, from the filed years to fiscal 2025: revenue grew 18.8% a year over the last three filed years against 11.6% over all 10, speeding up (top 23% of its family); the newest year grew -4.9% (bottom 8%); capital spending grew 14.2% a year (top 38%) (its annual reports). M&T Bank Corp. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

From the record

M&T Bank Corp.'s newest year against its own record: revenue of $10 billion in fiscal 2025 came in 28.4% below the $15 billion its prior three years' pace pointed to (bottom 8% of its family); net income of $2.9 billion against a prior three-year average of $2.4 billion (top 43%); a net margin of 27.2% against 27.4% before (top 24%) (its annual reports).