How M&T Bank (MTB) Makes Money: A Visual Guide
M&T Bank (MTB) generated $12.31B in revenue (TTM through Q4 2025), earning $2.85B in net profit (23.2% margin). Its largest revenue source is Retail Banking (62.7% of revenue). Below is an interactive breakdown of how revenue flows through the income statement.
M&T Bank (MTB) Income Statement Flow
Frequently asked questions
How does M&T Bank (MTB) make money?
- M&T Bank (MTB) primarily makes money through Retail Banking, which accounts for 62.7% of total revenue. For TTM through Q4 2025, M&T Bank generated $12.31B in total revenue with a net profit margin of 23.2%.
What is M&T Bank (MTB) gross profit margin?
- M&T Bank (MTB) reported a gross profit margin of 74.6% for TTM through Q4 2025, equivalent to $9.19B in gross profit. This means M&T Bank retains 74.6% of each revenue unit after direct costs of production.
What is M&T Bank (MTB) operating profit margin?
- M&T Bank (MTB) reported an operating profit margin of 30% for TTM through Q4 2025, equivalent to $3.69B in operating profit. This reflects profitability after operating expenses such as R&D, sales, and administration, but before taxes and non-operating items.
What is M&T Bank (MTB) net profit margin?
- M&T Bank (MTB) reported a net profit margin of 23.2% for TTM through Q4 2025, equivalent to $2.85B in net profit. This is the share of revenue that remains as profit after all expenses, taxes, and non-operating items.
How much does M&T Bank (MTB) spend on capital expenditures?
- M&T Bank (MTB) spent $158.00M on capital expenditures in TTM through Q4 2025 (1.3% of total revenue). Capital expenditures represent investments in physical assets such as property, equipment, and infrastructure.
What is M&T Bank (MTB) free cash flow?
- M&T Bank (MTB) generated $2.95B in free cash flow for TTM through Q4 2025 (23.9% of total revenue). Free cash flow is the cash remaining after capital expenditures and represents the company's ability to fund growth, pay dividends, or reduce debt.
What is M&T Bank (MTB) effective tax rate?
- M&T Bank (MTB) had an effective tax rate of 22.8% for TTM through Q4 2025. This is the actual percentage of pre-tax income paid as income taxes.
About this data
- What is a Sankey diagram?
- A Sankey diagram shows how money flows through a company from revenue to net profit. The width of each flow represents its proportion.
- How is the data calculated?
- We use the income statement from company filings. For TTM (Trailing Twelve Months), we sum the last four quarters. Revenue flows to cost of revenue and gross profit, then to operating expenses (R&D, S&M, G&A) and operating profit.
- When was this data last updated?
- Based on company filings through TTM through Q4 2025.