M&T Bank

Financials Regional Banks Buffalo, New York Last filing Feb 18, 2026 · FY2025

                    Revenue
                    FY2025
                
$10.5B
                    3y CAGR +18.8%
                    
                    P66
                    
                    n/a
                    
                    Net income
                    FY2025
                
$2.9B
                    Net margin +27.2%
                    
                    P77
                    
                    n/a
                    
                    Total assets
                    FY2025
                
$213.5B
                    ROA +1.3%
                    
                    P33
                    
                    n/a
                    
                    Operating cash flow
                    FY2025
                
$3.0B
                    
                    n/a

19 yrs · FY2007–FY2025 9 filed · 0 derived · 0 blank

1Y 3Y 5Y 10Y

Dollars % of revenue % of assets YoY % CAGR

Balance Sheet

Assets, liabilities, and equity

19 accounts · 1 year

Total assets $213.5B

Total liabilities $184.3B

Shareholders equity $29.2B

Account	2025	Trend
Assets
Cash and Cash Equivalents	$18.8B
Property,Plant and Equipment	$1.6B
Goodwill	$8.5B
Intangible Assets	$64.0M
Total Assets	$213.5B
Liabilities
Current Portion of Long Term Debt	$2.1B
Other Current Liabilities	$4.4B
Total Current Liabilities	$184.3B
Long Term Debt	$10.9B
Other Noncurrent Liabilities	$4.4B
Total Liabilities	$184.3B
Equity
Preferred Stock	$2.8B
Common Stock	$90.0M
Additional Paid In Capital	$10.0B
Retained Earnings	$20.9B
Treasury Stock	$4.9B
Accumulated Other Comprehensive Income	$277.0M
Total Stockholders Equity	$29.2B
Total Liabilitiesand Equity	$213.5B

Income Statement

Revenue, expense, and profitability

14 accounts · 1 year

Revenue $10.5B

Operating income $2.9B

Net income $2.9B

Account	2025	Trend
IncomeStatement
Revenues Total Revenue	$10.5B
Expenses Selling,General and Administrative	$102.0M
Expenses Depreciation and Amortization	$323.0M
Expenses Share Based Compensation	$136.0M
Other Income Expense Operating Income	$2.9B
Other Income Expense Interest Income	$10.5B
Other Income Expense Income Before Tax	$3.7B
Income Tax Income Tax Expense	$841.0M
net Income net Income	$2.9B
net Income Comprehensive Income	$3.3B
Earnings Per Share Basic Eps	$17
Earnings Per Share Diluted Eps	$17
Earnings Per Share Weighted Average Shares Basic	$157.9M
Earnings Per Share Weighted Average Shares Diluted	$158.8M

Cash Flow Statement

Operating, investing, and financing flows

22 accounts · 1 year

Operating cash flow $3.0B

Investing cash flow $-6.8B

Financing cash flow $1.8B

Account	2025	Trend
CashFlow
Operating Activities net Income	$2.9B
Operating Activities Depreciation and Amortization	$323.0M
Operating Activities Stock Based Compensation	$136.0M
Operating Activities Deferred Income Taxes	$-18.0M
Operating Activities Changes In Operating Assets and Liabilities	$-14.0M
Operating Activities Other Non Cash Items	$-14.0M
Operating Activities net Cash From Operating Activities	$3.0B
Investing Activities Purchases of Investments	$8.4B
Investing Activities Proceeds From Sale of Investments	$4.5B
Investing Activities Other Investing Activities	$-19.0M
Investing Activities net Cash From Investing Activities	$-6.8B
Financing Activities Proceeds From Debt	$3.5B
Financing Activities Repayment of Debt	$5.4B
Financing Activities Repurchase of Common Stock	$2.6B
Financing Activities Dividends Paid	$899.0M
Financing Activities Proceeds From Stock Issuance	$19.0M
Financing Activities Other Financing Activities	$-20.0M
Financing Activities net Cash From Financing Activities	$1.8B
Cash Reconciliation Effect of Exchange Rate On Cash	$18.8B
Cash Reconciliation net Change In Cash	$-2.0B
Cash Reconciliation Cash At Beginning of Period	$18.8B
Cash Reconciliation Cash At End of Period	$18.8B

Key Ratios

Margins, returns, liquidity, leverage, efficiency

Computed at import · 1 year

Ratio	2025
Profitability
Gross margin	—
Operating margin	+27.2%
Net margin	+27.2%
FCF margin	—
Growth
Revenue CAGR (3y)	+18.8%
Returns
ROE	+9.8%
ROA	+1.3%
ROIC	+9.4%
Liquidity
Current ratio	—
Quick ratio	—
Leverage
D/E	6.32x
Interest coverage	—
Efficiency
Asset turnover	0.05x
Cash conversion cycle	—

Valuation

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FY2025 fundamentals · no price

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M&T Bank

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