Companies / Financials
MTB
M&T Bank
Regional Banks
Regional BanksAnalysis in progress
In progress
We are decoding this company's strategy and relationships
New analyses are published every weekday. Founding members get them first.
Business at a glance
Operating-health scores describe reported fundamentals on a 0–100 scale. They are not a rating of the stock. How they work
Operating health74
Growth43
Profitability100
Cash generationn/a
Balance sheetn/a
Dilution control79
Key ratios and five-year financials
Latest quarter revenue YoY (2026-09-30)3.5%Revenue growth (FY)7.5%Revenue CAGR (3y)2.8%Gross margin—Operating margin—Net margin172.1%Free cash flow margin181.2%R&D / revenue—Stock comp / revenue8.2%Net debt / operating cash flow-1.90xCurrent ratio—Diluted share count change-5.1%
| Fiscal year ending | FY 2021-12 | FY 2022-12 | FY 2023-12 | FY 2024-12 | FY 2025-12 |
|---|---|---|---|---|---|
| Revenue | $6.0B | $1.5B | $1.5B | $1.5B | $1.7B |
| Net income | $1.9B | $2.0B | $2.7B | $2.6B | $2.9B |
| Operating cash flow | $2.7B | $4.6B | $3.9B | $3.6B | $3.0B |
| Capital expenditure | $149M | $214M | $256M | — | — |
| Free cash flow | $2.6B | $4.4B | $3.6B | $3.6B | $3.0B |
| Stock-based comp | $85M | $111M | $118M | $116M | $136M |
| Buybacks | — | $1.8B | $594M | $396M | $2.6B |
| Dividends | $580M | $784M | $868M | $895M | $899M |
| Cash | $1.3B | $26.5B | $29.8B | $20.8B | $18.8B |
| Total debt | $3.5B | $7.5B | $13.5B | $13.7B | $13.1B |
| Equity | $17.9B | $25.3B | $27.0B | $29.0B | $29.2B |
StratGraph publishes general, impersonal research about public companies based on public filings. It is not investment advice, not a recommendation to buy, sell or hold any security, and not tailored to any reader's circumstances. Content may contain errors and may be partly generated with AI tools; verify against the original filings, which are linked. Authors may not trade securities discussed within the window set by our trading policy. Full disclaimer.