M&T Bank US Stock Price, News & Analysis
Company Description
M&T Bank Corporation (NYSE: MTB) is a financial holding company headquartered in Buffalo, New York. According to company disclosures, its principal banking subsidiary, M&T Bank, provides banking products and services through a branch and ATM network that spans the eastern United States from Maine to Virginia and Washington, D.C. The company is classified in the finance and insurance sector, with a primary focus on commercial banking.
M&T Bank Corporation’s common stock and multiple series of preferred stock are registered on the New York Stock Exchange. SEC filings describe outstanding preferred stock series, including Perpetual Fixed-to-Floating Rate Non-Cumulative Preferred Stock, Series H, Perpetual Fixed Rate Non-Cumulative Preferred Stock, Series J, and Perpetual 6.350% Non-Cumulative Preferred Stock, Series K. The company has also issued subordinated notes, reflecting the use of capital markets funding alongside its deposit base.
Business model and core activities
M&T Bank’s business centers on providing banking products and services through its branch and ATM network. Company materials emphasize a footprint across the eastern U.S., with operations from Maine to Virginia and in Washington, D.C. In addition to its core banking activities, M&T offers trust-related services in select markets in the U.S. and abroad. These trust-related services are provided by Wilmington Trust-affiliated companies and by M&T Bank.
Through Wilmington Trust, a division of M&T Bank, the organization provides wealth advisory services, including personal trust, financial planning, fiduciary, asset management, and family office solutions designed for high-net-worth individuals and families. Wilmington Trust also provides corporate and institutional services, including institutional trust, agency, and administrative services for clients that use capital markets financing structures, as well as direct trust, custody, and fiduciary services for U.S. retirement plans, companies, foundations, organizations, and financial institutions.
Capital and funding structure
Public filings show that M&T Bank Corporation uses a mix of common equity, preferred equity, and debt instruments. The company has established various series of perpetual non-cumulative preferred stock, which rank senior to common stock with respect to dividends and liquidation distributions. The Series K Preferred Stock, for example, is described in an 8-K filing as a perpetual 6.350% non-cumulative preferred stock with depositary shares listed on the New York Stock Exchange. The preferred stock ranks equally with other outstanding preferred series and senior to common stock for dividends and liquidation.
M&T has also issued subordinated notes, such as its 5.400% Fixed Rate Reset Subordinated Notes, Series B, due 2035, as disclosed in an 8-K filing. These instruments provide additional funding and form part of the company’s capital structure, alongside deposits and other borrowings. The company’s SEC filings also reference its regulatory capital ratios, including the Common Equity Tier 1 (CET1) capital ratio, underscoring its status as a regulated banking organization.
Earnings, dividends, and shareholder returns
M&T Bank Corporation regularly reports its financial results through quarterly earnings releases and corresponding Form 8-K filings. In a recent earnings release for the quarter ended September 30, 2025, the company provided details on net interest income, noninterest income, provision for credit losses, and key performance ratios such as return on average assets, return on average common shareholders’ equity, and net interest margin. The release also discussed trends in loan balances, deposit levels, and asset quality metrics, including nonaccrual loans and the allowance for loan losses.
The company’s board of directors declares dividends on both common and preferred stock. Public announcements describe quarterly cash dividends on common shares and on various preferred series, including Series H, Series J, and Series K. These dividends reflect the company’s approach to returning capital to shareholders, subject to regulatory and contractual limitations described in its preferred stock terms.
Loan and deposit activities
In its financial disclosures, M&T outlines the composition of its loan and deposit portfolios. Average loans include categories such as commercial and industrial, commercial real estate, residential real estate, and consumer loans. Company commentary notes changes in these categories over time, including growth in commercial and industrial loans, residential real estate loans, and consumer loans, as well as changes in commercial real estate exposure.
On the funding side, M&T reports average interest-bearing deposits, including savings and interest-checking deposits and time deposits, as well as short-term and long-term borrowings. Filings describe movements in these balances and the resulting impact on interest expense and net interest margin. The company also reports on net charge-offs, the provision for credit losses, and the ratio of nonaccrual loans to total loans, providing insight into asset quality and credit risk management.
Trust, wealth, and institutional services
Wilmington Trust, identified as a division of M&T Bank, plays a central role in the company’s wealth and institutional businesses. According to Wilmington Trust disclosures, the firm provides wealth advisory services in the Americas, including personal trust, financial planning, fiduciary services, asset management, and family office solutions. These offerings are designed to help high-net-worth individuals and families grow, preserve, and transfer wealth.
On the institutional side, Wilmington Trust provides corporate and institutional services such as institutional trust, agency, and administrative services for clients that use capital markets financing structures. It also offers direct trust, custody, and fiduciary services for U.S. retirement plans, companies, foundations, organizations, and financial institutions. These activities complement M&T Bank’s commercial banking operations and expand the company’s presence in wealth and institutional markets.
Geographic footprint and community focus
M&T Bank’s branch and ATM network extends across the eastern United States, from Maine to Virginia and Washington, D.C., according to multiple company news releases. The bank also highlights its involvement in local programs, such as the Baltimore Small Business Accelerator Program, which provides training and pitch competitions for entrepreneurs in Baltimore and other Maryland counties. These initiatives are described as aiming to equip entrepreneurs with skills in business planning, capital sourcing, financial management, marketing, and branding.
Through such programs, M&T supports small businesses that meet specified criteria, such as being based in particular counties, being operational for a minimum period, and being in good standing. The bank also sponsors similar accelerator programs in multiple Maryland counties, reflecting an emphasis on local economic development and small business support within its footprint.
Regulatory status and disclosures
M&T Bank Corporation is incorporated in New York and files reports with the U.S. Securities and Exchange Commission under Commission File Number 1-9861. Its SEC filings list an Internal Revenue Service Employer Identification Number and confirm that its common stock and certain preferred stock series are registered under Section 12(b) of the Securities Exchange Act of 1934 and traded on the New York Stock Exchange.
The company frequently files current reports on Form 8-K to disclose material events, including earnings announcements, capital markets transactions, and changes to the rights of security holders. It also posts investor presentations to its website and furnishes them via Form 8-K under Regulation FD. These materials provide additional detail on the company’s financial performance, strategy, and risk profile.
Prime rate and interest rate actions
M&T Bank Corporation periodically announces changes to its prime lending rate. Recent press releases describe reductions in the prime rate, with effective dates specified in those announcements. Such changes affect the pricing of certain variable-rate loans and reflect broader interest rate conditions. These rate adjustments are communicated publicly and are part of the bank’s ongoing management of its lending activities.
Stock information and securities
M&T Bank Corporation’s common stock trades on the New York Stock Exchange under the symbol MTB. The company also has listed preferred stock series, including Series H and Series J, and depositary shares representing interests in Series K preferred stock. SEC filings describe the rights, preferences, and limitations of these securities, including dividend terms, ranking relative to other capital stock, and redemption provisions.
In addition to equity securities, M&T issues debt instruments such as subordinated notes, which are registered under the Securities Act of 1933. These securities, together with deposits and other borrowings, form part of the company’s funding and capital framework as disclosed in its regulatory filings.