M&T Bank

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

                    Revenue
                    FY2025
                
$10.5B
                    3y CAGR +18.8%
                    
                    P69
                    
                    n/a
                    
                    Net income
                    FY2025
                
$2.9B
                    Net margin +27.2%
                    
                    P64
                    
                    n/a
                    
                    Total assets
                    FY2025
                
$213.5B
                    ROA +1.3%
                    
                    P32
                    
                    n/a
                    
                    Operating cash flow
                    FY2025
                
$3.0B
                    FCF margin +27.3%
                    
                    P47
                    
                    n/a

19 yrs · FY2007–FY2025 8 filed · 0 derived · 1 blank

1Y 3Y 5Y 10Y

Dollars % of revenue % of assets YoY % CAGR

Each cell as a share of that year’s revenue.

Balance Sheet

Assets, liabilities, and equity

20 accounts · 1 year

Total assets $213.5B

Total liabilities $184.3B

Shareholders equity $29.2B

Account	2025	Trend
Assets
Cash and Cash Equivalents	179.0%
Investment Securities	349.5%
Loans net	1302.6%
Property,Plant and Equipment	15.5%
Goodwill	80.7%
Other Assets	108.8%
Total Assets	2036.1%
Liabilities
Deposits	1591.7%
Short Term Borrowings	20.5%
Long Term Debt	104.1%
Other Liabilities	41.6%
Total Liabilities	1757.9%
Equity
Total Stockholders Equity	278.2%
Common Stock	0.9%
Retained Earnings	199.1%
Accumulated Other Comprehensive Income	2.6%
Preferred Stock	27.0%
Additional Paid In Capital	95.5%
Treasury Stock	46.9%
Total Liabilitiesand Equity	2036.1%

Income Statement

Revenue, expense, and profitability

12 accounts · 1 year

Revenue $10.5B

Operating income Not reported

Net income $2.9B

Account	2025	Trend
IncomeStatement
Interest Income Total Interest Income	100.0%
Interest Expense Interest Expense	33.7%
net Interest Income net Interest Income	66.3%
Expenses Provision For Credit Losses	4.8%
Noninterest Income Total Noninterest Income	26.1%
Expenses Noninterest Expense	52.4%
Income Tax Income Tax Expense	8.0%
net Income net Income	27.2%
Earnings Per Share Diluted Eps	0.0%
Earnings Per Share Basic Eps	0.0%
Earnings Per Share Weighted Average Shares Basic	1.5%
Earnings Per Share Weighted Average Shares Diluted	1.5%

Cash Flow Statement

Operating, investing, and financing flows

12 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 Cash From Operating Activities	28.6%
Operating Activities net Income	27.2%
Operating Activities Depreciation and Amortization	4.7%
Operating Activities Other Non Cash Items	-3.3%
Investing Activities net Cash From Investing Activities	-65.0%
Investing Activities Capital Expenditures	-1.4%
Investing Activities Other Investing Activities	-63.6%
Financing Activities net Cash From Financing Activities	17.2%
Financing Activities Dividends Paid	-10.0%
Financing Activities Repurchase of Common Stock	-25.1%
Financing Activities Other Financing Activities	48.0%
Cash Reconciliation net Change In Cash	-19.2%

Key Ratios

Margins, returns, liquidity, leverage, efficiency

Computed at import · 1 year

Ratio	2025
Profitability
Gross margin	—
Operating margin	—
Net margin	+27.2%
FCF margin	+27.3%
Growth
Revenue CAGR (3y)	+18.8%
Returns
ROE	+9.8%
ROA	+1.3%
ROIC	—
Liquidity
Current ratio	—
Quick ratio	—
Leverage
D/E	6.32x
Interest coverage	—
Efficiency
Asset turnover	0.05x
Cash conversion cycle	—

Valuation

Price against fundamentals

FY2025 fundamentals · no price

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M&T Bank

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