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M&T Bank

NYSE: MTB

Stock price

217.56 USD

(+0%) TODAY

Regional BanksBanks - Regional
Financials

all figures in US$ Millions except per share data

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Actual
10 year cagr
Help
Where available up to 10y CAGR shown for absolute numbers 10y Average marked A shown for relative numbers such as margins
Fiscal
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
Average (A)
Fiscal period end dates
Expand all rows
01Earnings per share
Help
Earnings per share = Net Income / Number of Shares Outstanding
7.2
7.8
8.7
12.7
13.8
9.9
13.8
11.5
15.8
14.6
17
9%
02Free cash flow per share
12.1
6.8
17.7
14.4
16.2
4.8
19.9
26.6
21.9
20.3
18.3
4.2%
03Dividends per share
2.8
2.8
3
3.6
4.1
4.4
4.5
4.8
5.2
5.4
5.7
7.4%
04Dividends payout, %
42.3%
39.8%
37.6%
30.4%
32.1%
47%
34.9%
44.2%
35.3%
39.9%
36.7%
(1.4)%
PROFIT AND LOSS STATEMENT
05Revenue
4,996
5,722
6,019
6,455
6,941
6,281
6,076
8,438
12,507
13,405
12,309
9.4%
06% Change
-
-
-
-
-
-
-
-
-
-
-
9.4%
07Cost of revenue
(498.3)
(616)
(554.8)
(658.4)
(925.3)
(1,126)
(39)
(942)
(3,754)
(4,784)
(3,124)
20.2%
08Gross profit
4,498
5,106
5,464
5,796
6,016
5,155
6,037
7,496
8,753
8,621
9,185
7.4%
09% Margin
90%
89.2%
90.8%
89.8%
86.7%
82.1%
99.4%
88.8%
70%
64.3%
74.6%
84.2% A
10Operating expenses
(2,823)
(3,048)
(3,140)
(3,288)
(3,469)
(3,385)
(3,582)
(4,884)
(5,134)
(5,311)
(5,493)
6.9%
11% of Revenue
(56.5)%
(53.3)%
(52.2)%
(50.9)%
(50)%
(53.9)%
(59)%
(57.9)%
(41.1)%
(39.6)%
(44.6)%
(50.8)% A
12Operating Income
1,675
2,058
2,324
2,508
2,547
1,770
2,455
2,612
3,619
3,310
3,692
8.2%
13Income tax expense
(595)
(743.3)
(915.6)
(590.2)
(618.1)
(416.4)
(596)
(620)
(878)
(722)
(841)
3.5%
14Net Income
1,080
1,315
1,408
1,918
1,929
1,353
1,859
1,992
2,741
2,588
2,851
10.2%
15% Margin
21.6%
23%
23.4%
29.7%
27.8%
21.5%
30.6%
23.6%
21.9%
19.3%
23.2%
24.2% A
16Shares Outstanding
137.5
157.3
152.6
138.5
134.5
128.7
128.8
164
167
167.3
156.6
1.3%
17EPS Basic
7.2
7.8
8.7
12.8
13.8
9.9
13.8
11.6
15.9
14.7
17
8.9%
18EPS Diluted
7.2
7.8
8.7
12.7
13.8
9.9
13.8
11.5
15.8
14.6
17
9%
19EBITDA
1,850
2,259
2,521
2,687
2,849
2,090
2,779
3,047
4,116
3,818
3,956
7.9%
% Margin
37%
39.5%
41.9%
41.6%
41%
33.3%
45.7%
36.1%
32.9%
28.5%
32.1%
37.3% A
20Net Interest Income (expense)
2,843
3,470
3,781
4,072
4,130
3,866
3,825
5,822
7,115
6,852
6,948
9.4%
21Net Debt / EBITDA
2.1
1.5
0.8
1.2
(0.6)
(9.9)
(14.3)
(6.2)
(4)
(1.9)
(1.4)
(3) A
BALANCE SHEET
ASSETS
Current Assets
22Cash & equivalents
8,962
6,321
6,500
9,711
8,623
25,217
43,210
26,476
29,800
20,782
18,769
7.7%
23Short-term investments
12,243
13,332
10,896
8,683
6,319
4,823
3,956
10,749
10,440
14,447
36,649
11.6%
24Accounts receivable
1,353
1,420
1,426
1,407
1,412
1,247
1,097
2,582
2,814
-
-
9.6%
25Other current assets
-
-
-
-
-
-
-
-
-
-
-
-
26Inventory
-
-
-
-
-
-
-
-
-
-
-
-
27Total Current Assets
22,558
21,073
18,822
19,800
16,354
31,286
48,312
39,928
43,160
35,330
55,418
9.4%
Non-Current Assets
28Net property, plant & equipment
666.7
675.3
646.5
647.4
1,141
1,162
1,145
1,654
1,739
1,705
-
11%
29Long-term investments
88,594
91,363
89,315
90,050
91,638
97,776
93,547
141,519
148,396
153,001
136,586
4.4%
30Other non-current assets
10,695
10,014
9,678
9,414
10,266
12,378
12,104
17,629
14,969
18,069
21,506
7.2%
31Total Non-Current Assets
99,956
102,053
99,639
100,112
103,045
111,315
106,795
160,802
165,104
172,775
158,092
4.7%
Total Assets
122,788
123,449
118,594
120,097
119,873
142,601
155,107
200,730
208,264
208,105
213,510
5.7%
LIABILITIES
Current Liabilities
32Accounts payable
1,871
1,811
1,594
1,637
2,338
2,166
2,128
4,377
4,516
-
-
11.7%
33Short-term debt
4,032
1,412
772
4,808
164
59.5
47
3,555
5,316
1,060
2,149
(6.1)%
34Other current liabilities
91,958
95,494
92,432
90,157
94,770
119,806
131,543
163,515
163,274
161,095
171,273
6.4%
35Total Current Liabilities
97,860
98,717
94,798
96,602
97,272
122,032
133,718
171,447
173,106
162,155
173,422
5.9%
Non-Current Liabilities
36Long-term debt
8,755
8,409
7,720
8,036
6,885
4,382
3,485
3,965
8,201
12,605
10,911
2.2%
37Other non-current liabilities
-
(163.4)
(175.1)
-
-
-
-
-
-
4,318
-
-
38Total Non-Current Liabilities
8,755
8,246
7,545
8,036
6,885
4,382
3,485
3,965
8,201
16,923
10,911
2.2%
39Total Liabilities
106,615
106,963
102,343
104,637
104,156
126,414
137,204
175,412
181,307
179,078
184,333
5.6%
SHAREHOLDERS` EQUITY
40Common stock
82.1
82.1
81.8
81.6
81.4
81.2
81.1
91
91
91
90
0.9%
41Retained earnings / (deficit)
8,431
9,223
10,165
11,517
12,821
13,444
14,646
15,754
17,524
19,079
20,882
9.5%
42Accumulated other comprehensive income / (loss)
(251.6)
(294.6)
(363.8)
(420.1)
(206.7)
(63)
(127.6)
(790)
(459)
(164)
277
-
43Noncontrolling interests
-
-
-
-
-
-
-
-
-
-
-
-
44Total shareholders' equity
16,173
16,487
16,251
15,460
15,717
16,187
17,903
25,318
26,957
29,027
29,177
6.1%
45Total Liabilities and shareholders' Equity
122,788
123,449
118,594
120,097
119,873
142,601
155,107
200,730
208,264
208,105
213,510
5.7%
46Total Debt
12,786
9,821
8,492
12,843
7,049
4,442
3,532
7,520
13,517
13,665
13,060
0.2%
47Net Debt
3,824
3,500
1,992
3,133
(1,574)
(20,775)
(39,678)
(18,956)
(16,283)
(7,117)
(5,709)
-
CASH FLOW STATEMENT
CASH FLOWS FROM OPERATING ACTIVITIES
48Net income (loss)
1,080
1,315
1,408
1,918
1,929
1,353
1,859
1,992
2,741
2,588
2,851
10.2%
49Depreciation & amortization
175.3
200.6
197.1
179
301.3
320.3
324.2
435
497
508
498
11%
50Share-based compensation expense
-
-
-
-
-
-
-
-
-
-
136
-
51Changes in working capital and other assets
487.4
(332.3)
1,177
(7.2)
127.1
(884.3)
531.8
2,147
667
514
(482)
-
52Net cash flows from operating activities
1,742
1,183
2,782
2,090
2,358
789.2
2,715
4,574
3,905
3,610
3,003
5.6%
CASH FLOWS FROM INVESTING ACTIVITIES
53Purchases of property, plant and equipment
(81.9)
(107.7)
(79)
(97.7)
(178)
(172.3)
(149)
(214)
(256)
(216)
(1,193)
30.7%
54Purchases of investments / marketable securities
(3,743)
(3,779)
(1,809)
(1,292)
(1,503)
(48.6)
(2,310)
(9,568)
(4,499)
(14,943)
(9,385)
9.6%
55Proceeds from maturities of marketable securities
8,894
3,077
3,372
3,127
4,954
2,593
2,067
2,553
2,927
8,007
6,848
(2.6)%
56Other investing activities
2,645
89.7
1,911
(3,147)
(2,546)
(24,393)
(13,239)
23,821
(6,046)
6,602
(3,086)
-
57Net cash flows from investing activities
7,714
(720.8)
3,395
(1,410)
727
(22,021)
(13,631)
16,592
(7,874)
(550)
(6,816)
-
CASH FLOWS FROM FINANCING ACTIVITIES
58Issuance (repurchases) of common stock, net
(163)
(646.3)
(1,206)
(2,194)
(1,335)
(373.7)
-
(1,800)
(594)
(13)
(2,191)
29.7%
59Dividends paid, net
(456.3)
(523.2)
(530.1)
(582.9)
(619.6)
(636.4)
(648)
(881)
(968)
(1,033)
(1,045)
8.6%
60Debt issuance (repayments), net
(9,580)
(3,057)
(1,276)
4,537
(5,890)
(2,668)
(856)
2,705
5,972
232
(758)
(22.4)%
61Other financing activities
737.2
3,716
(3,065)
(2,255)
4,591
25,026
12,206
(21,008)
(230)
(2,068)
5,794
22.9%
62Net cash flows from financing activities
(9,462)
(510.1)
(6,077)
(495.2)
(3,254)
21,348
10,702
(20,984)
4,180
(2,882)
1,800
-
63Increase (decrease) in cash and cash equivalents
(5.3)
(47.5)
100.3
184.6
(169.1)
116.4
(215)
182.7
211
178
(2,013)
81.1%
64Cash and equivalents, ending balance
1,368
1,321
1,421
1,605
1,436
1,553
1,338
1,520
1,731
1,909
18,769
29.9%
65Free Cash Flow to the Firm (FCFF)
Help
Free Cash Flow to the Firm = Cash Flows from Operating Activities - Capital Expenditures
1,661
1,076
2,703
1,992
2,180
616.9
2,566
4,360
3,649
3,394
1,810
0.9%

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