M&T BANK CORP(MTB)— Stock Profile, AI Score & Financials
Financials · NYSE · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated .
M&T BANK CORP (MTB) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores MTB at 58.6/100 on a 32-signal composite quality model, placing it at rank #994 of 2,962 stocks — the top half of the AI-ranked universe. MTB scores in the top quartile across profitability (90.5), free cash flow (90.0), revenue scale (86.5). Areas of concern include revenue growth (32.1), which score below median versus the broader universe. Shareholder dilution risk is elevated at 18.6/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), M&T BANK CORP reports quarterly revenue of $2.5B, net income of $818.0M, an operating margin of 42.0%. Top institutional holders of MTB by reported 13-F value include BlackRock, FMR, WELLINGTON MANAGEMENT GROUP LLP, based on the most recent SEC filings. MTB trades on the NYSE exchange and files with the SEC under CIK 36270. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate MTB daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for M&T BANK CORP directly from SEC EDGAR.
AI Quality Score
58.6/100
AI Rank
#994
Revenue
$2.5B
Net Income
$818.0M
Operating Margin
42.0%
MTB key financials by period
M&T BANK CORP reported revenue, net income and margins by fiscal period, from SEC filings.
Period
Form
Revenue
Net income
Operating margin
FY 2025
10-K
$9.7B
$2.9B
38.1%
FY 2024
10-K
$9.3B
$2.6B
35.7%
FY 2023
10-K
$9.6B
$2.7B
37.5%
FY 2022
10-K
$8.2B
$2.0B
31.9%
FY 2021
10-K
$6.0B
$1.9B
41.0%
FY 2020
10-K
$6.0B
$1.4B
29.7%
Institutions holding MTB
Institutional investors reporting a position in M&T BANK CORP on SEC Form 13F.
AI-extracted from the 10-Q filed 2026-08-04 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
M&T Bank's Q2 2026 net income rose to $818M (+14% YoY, +23% QoQ) as the net interest margin held steady at 3.70% and the efficiency ratio improved to 52.8% from 58.3% in Q1.
Biggest Revenue Drivers
Institutional Services and Wealth Management$231M+9% YoY
Higher sales and fund management fees in Institutional Services and increased fee income in Wealth Management from favorable market performance
Retail Bank$133M+3% YoY
Higher service charges on deposit accounts and merchant discount/credit card interchange fees
Biggest Revenue Drivers
Total revenue: $442M+6% YoY
Institutional Services and Wealth Management$231M+9% YoY
Higher sales and fund management fees in Institutional Services and increased fee income in Wealth Management from favorable market performance
Retail Bank$133M+3% YoY
Higher service charges on deposit accounts and merchant discount/credit card interchange fees
Commercial Bank$78M+3% YoY
Higher trust and service charge revenue from commercial customers
Largest Expense Items
Salaries and employee benefits$826M-10% QoQ
Prior quarter included seasonally higher stock-based compensation, payroll taxes and benefits, and higher average staffing; partly offset by full-quarter merit increases and an extra working day
Outside data processing and software$154M+7% QoQ
Enhancements to technology infrastructure, cybersecurity and financial recordkeeping/reporting systems
Professional and other services$89M-4% QoQ
Margins: Net interest margin was unchanged at 3.70% as a 5bp rise in earning-asset yields was offset by a 4bp rise in funding costs; the efficiency ratio improved to 52.8% from 58.3% in Q1 2026 on lower seasonal compensation expense.
Watch Items from the Filing
Wilmington Trust, N.A. was sued in January 2026 over its custodian/trustee role in Tricolor Holdings asset-backed securitizations; the company cannot yet estimate potential losses.
Commercial real estate concentration rose to 134% of Tier 1 capital plus allowance at June 30, 2026, up from 124% at December 31, 2025.
Criticized commercial real estate loans fell to $2.46B (10.1% of CRE loans) from $3.45B (14.5%) at year-end 2025, reflecting deliberate portfolio de-risking.
Commercial and industrial loans to nondepository financial institutions totaled $13.7B outstanding against $25.6B of commitments, with about 91% of financial/insurance industry loans classified as NDFI exposure.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
