M&T Bank Corporation (MTB-PJ) Earnings History
Growth Compounder37 years of earnings data (1989–2025) · Consistent double-digit EPS growth over 5 years
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M&T Bank Corporation (MTB-PJ) Earnings Overview
As of June 29, 2026, M&T Bank Corporation (MTB-PJ) reported trailing twelve-month net income of $2.93B, reflecting +16.1% year-over-year growth. The company earned $18.72 per diluted share over the past four quarters, with a net profit margin of 23.2%.
Looking at the long-term picture, MTB-PJ's 5-year EPS compound annual growth rate (CAGR) stands at +11.3%, showing solid earnings momentum. The company achieved its highest annual net income of $2.85B in fiscal 2025, representing a new all-time high.
M&T Bank Corporation maintains industry-leading profitability with a gross margin of 74.6%, operating margin of 30.0%, and net margin of 23.2%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including CFG ($1.98B net income, 16.4% margin), HBAN ($2.21B net income, 17.7% margin), RF ($2.23B net income, 22.4% margin), MTB-PJ has outperformed on profitability metrics. Compare MTB-PJ vs CFG →
MTB-PJ Earnings vs Peers
Earnings metrics vs comparable public companies
MTB-PJ Historical Earnings Data (1989–2025)
37 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $2.85B | +10.2% | $3.69B | $17.00 | 23.2% | 30.0% |
| 2024 | $2.59B | -5.6% | $3.31B | $14.64 | 19.3% | 24.7% |
| 2023 | $2.74B | +37.6% | $3.62B | $15.79 | 21.9% | 28.9% |
| 2022 | $1.99B | +7.2% | $2.61B | $11.53 | 23.6% | 31.0% |
| 2021 | $1.86B | +37.4% | $2.46B | $13.80 | 30.6% | 40.4% |
| 2020 | $1.35B | -29.9% | $1.77B | $9.94 | 21.5% | 28.2% |
| 2019 | $1.93B | +0.6% | $2.55B | $13.75 | 27.8% | 36.7% |
| 2018 | $1.92B | +36.2% | $2.51B | $12.74 | 29.7% | 38.9% |
| 2017 | $1.41B | +7.1% | $2.32B | $8.70 | 23.4% | 38.6% |
| 2016 | $1.32B | +21.8% | $2.06B | $7.78 | 23.0% | 36.0% |
| 2015 | $1.08B | +1.3% | $1.67B | $7.18 | 21.6% | 33.5% |
| 2014 | $1.07B | -6.3% | $1.64B | $7.42 | 22.5% | 34.7% |
| 2013 | $1.14B | +10.6% | $1.77B | $8.20 | 23.5% | 36.5% |
| 2012 | $1.03B | +19.8% | $1.55B | $7.54 | 22.2% | 33.5% |
| 2011 | $859M | +16.8% | $1.22B | $6.35 | 19.5% | 27.8% |
| 2010 | $736M | +93.8% | $1.09B | $5.69 | 19.1% | 28.3% |
| 2009 | $380M | -31.7% | $519M | $2.89 | 10.0% | 13.7% |
| 2008 | $556M | -15.0% | $740M | $5.01 | 13.1% | 17.4% |
| 2007 | $654M | -22.0% | $964M | $5.95 | 14.6% | 21.6% |
| 2006 | $839M | +7.3% | $1.23B | $7.37 | 19.2% | 28.2% |
| 2005 | $782M | +8.3% | $1.17B | $6.73 | 20.9% | 31.3% |
| 2004 | $723M | +25.9% | $1.07B | $6.00 | 22.3% | 32.9% |
| 2003 | $574M | +18.3% | $851M | $4.95 | 19.4% | 28.8% |
| 2002 | $485M | +28.3% | $716M | $4.78 | 20.6% | 30.4% |
| 2001 | $378M | +32.1% | $584M | $3.82 | 14.7% | 22.6% |
| 2000 | $286M | +7.7% | $446M | $3.44 | 13.6% | 21.3% |
| 1999 | $266M | +27.7% | $418M | $3.28 | 15.1% | 23.8% |
| 1998 | $208M | +18.0% | $326M | $2.62 | 12.8% | 20.1% |
| 1997 | $176M | +16.6% | $282M | $2.53 | 14.0% | 22.4% |
| 1996 | $151M | +15.3% | $249M | $2.11 | 12.9% | 21.3% |
| 1995 | $131M | +11.7% | $221M | $1.80 | 12.2% | 20.5% |
| 1994 | $117M | +15.0% | $195M | $1.57 | 13.5% | 22.3% |
| 1993 | $102M | +4.2% | $174M | $1.34 | 12.0% | 20.4% |
| 1992 | $98M | +45.7% | $163M | $1.30 | 11.0% | 18.3% |
| 1991 | $67M | +24.7% | $115M | $0.92 | 7.9% | 13.5% |
| 1990 | $54M | +30.8% | $85M | $0.79 | 7.6% | 11.9% |
| 1989 | $41M | - | $76M | $0.70 | 6.6% | 12.2% |
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MTB-PJ — Frequently Asked Questions
Quick answers to the most common questions about buying MTB-PJ stock.
What is MTB-PJ earnings per share (EPS)?
MTB-PJ trailing twelve-month (TTM) diluted EPS is $18.72, reflecting +16.1% year-over-year growth. The 5-year EPS CAGR is +11.3%. Complete EPS history from 1989 to 2025 is available in the table on this page.
What is M&T Bank Corporation's net income?
M&T Bank Corporation (MTB-PJ) trailing twelve-month net income is $2.9B as of 2025. Earnings grew +16.1% year-over-year. M&T Bank Corporation has been profitable for 37 consecutive years.
Is MTB-PJ profitable?
Yes, MTB-PJ is profitable with a TTM net income of $2.9B and a net profit margin of +23.2%. M&T Bank Corporation has generated profits for 37 consecutive years.
What is MTB-PJ's earnings growth rate?
MTB-PJ compound annual EPS growth rates (CAGR): 1-Year: +16.1%, 3-Year: +13.8%, 5-Year: +11.3%, 10-Year: +9.0%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1989 to 2025.
What are MTB-PJ's profit margins?
M&T Bank Corporation net profit margin is +23.2%, operating margin is +30.0%, and gross margin is +74.6%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +9.8%.
Is MTB-PJ growing earnings?
Yes, MTB-PJ earnings are accelerating — EPS growth of +16.1% exceeds the 5-year CAGR of +11.3%. TTM net income reached $2.9B. Earnings momentum is strengthening.
What was MTB-PJ's best earnings year?
M&T Bank Corporation's highest annual net income on record is $2.9B, achieved in fiscal year 2025. Earnings history on this page spans 1989 to 2025 and includes all annual and quarterly figures.
What were MTB-PJ's earnings last quarter?
MTB-PJ's most recent reported quarter was Q1 2026. Net income was $664M with diluted EPS of $4.24. For a full breakdown of all quarters, see the quarterly earnings table on this page.