M&T Bank Corp

NYSE:MTBFinancial ServicesCBOE:SPESGNASDAQ:BKX

$213.74−0.72%At closeAt close · Tue 20 Oct · ≈ AED 784.96 · Market cap $30.87B · Next earnings Tue 19 Jan

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Current · undated	YoY
Gross margin	82.1%	99.4%	88.8%	70.0%	64.3%	74.6%	—	—
Operating margin	28.2%	40.4%	31.0%	28.9%	24.7%	30.0%	30.0%	+0.0 pts
Net margin	21.5%	30.6%	23.6%	21.9%	19.3%	23.2%	23.2%	+0.0 pts
EBITDA margin	33.3%	45.7%	36.1%	32.9%	28.5%	32.1%	—	—
Return on equity	8.4%	10.4%	7.9%	10.2%	8.9%	9.8%	9.8%	+0.0 pts
Return on assets	0.9%	1.2%	1.0%	1.3%	1.2%	1.3%	1.3%	+0.0 pts
Return on capital employed	8.6%	11.5%	8.9%	10.3%	7.2%	9.2%	—	—
Debt / equity	0.3×	0.2×	0.3×	0.5×	0.5×	0.4×	0.4×	+0.0%
Debt / assets	3.1%	2.3%	3.7%	6.5%	6.6%	6.1%	—	—
Interest coverage	5.4×	21.5×	6.1×	1.2×	0.8×	1.0×	—	—
Current ratio	0.3×	0.4×	0.2×	0.2×	0.2×	0.3×	0.3×	+0.0%
Quick ratio	0.3×	0.4×	0.2×	0.2×	0.2×	0.3×	—	—
Cash ratio	0.2×	0.3×	0.2×	0.2×	0.1×	0.1×	0.1×	+0.0%
Asset turnover	0.0×	0.0×	0.0×	0.1×	0.1×	0.1×	—	—
Receivables turnover	5.0×	5.5×	3.3×	4.4×	—	—	—	—
Dividend payout	47.0%	34.9%	44.2%	35.3%	39.9%	36.7%	—	—

Margins, returns, leverage and liquidityUpdated 31 Dec 2025 ·

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Current snapshot ratios have no reporting date and are shown separately from fiscal periods.