M&T BANK CORP
MTBNYSEFinancials · State Commercial Banks · NY · SEC filings ↗ · Compare ⊕
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SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | $1.66B | $1.54B | $1.48B | $1.52B | $5.99B | $5.95B |
| Operating income | — | — | — | — | — | — |
| Net income | $2.85B | $2.59B | $2.74B | $1.99B | $1.86B | $1.35B |
| Total assets | $213.51B | $208.10B | $208.26B | $200.73B | $155.11B | $142.60B |
| Total liabilities | $184.33B | $179.08B | $181.31B | $175.41B | $137.20B | $126.41B |
| Equity | $29.18B | $29.03B | $26.96B | $25.32B | $17.90B | $16.19B |
| EPS (diluted) | $17.00 | $14.64 | $15.79 | $11.53 | $13.80 | $9.94 |
| Shares out. | 164.3M | 166.6M | 167.8M | 129.0M | 128.6M | 130.4M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- 172.1%
- Return on equity
- 9.8%
- Return on assets
- 1.3%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 86.3%
- Debt / equity
- 6.32×
- Book value / share
- $177.55
- Revenue growth (YoY)
- 7.5%
- Net income growth (YoY)
- 10.2%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- −0.1%clean
- Piotroski F-Score
- 6/7mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 warning● 3 good- High leverage (liabilities > 70% of assets)
- Revenue is growing year-over-year
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Vanguard Capital Management LlcPassive (13G)Apr 30, 2026
- Vanguard Portfolio Management LlcPassive (13G)Apr 29, 2026
- Vanguard Group IncPassive (13G)Mar 27, 2026
- Fmr LlcPassive (13G)Feb 5, 2026
- State Street CorpPassive (13G)May 13, 2025
- Wellington Management Group LlpPassive (13G)May 12, 2025
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 5.5M | 6.0 | -8.4% |
| Apr 30, 2026 | 6.0M | 5.8 | -0.1% |
| Apr 15, 2026 | 6.0M | 6.3 | -4.7% |
| Mar 31, 2026 | 6.3M | 4.8 | -10.4% |
| Mar 13, 2026 | 7.0M | 5.6 | +4.3% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.