NYSE$MTB

M&T Bank Corporation · Q2 2022 earnings

Q2 2022 earnings · · Investor relations

Briefing

M&T Bank's second quarter results were announced, reflecting the full-quarter impact of the People’s United acquisition and increased net interest margin driving revenue growth.

M&T Bank reported GAAP diluted earnings per common share of $1.08 for the second quarter of 2022, a decrease compared to $3.41 in the year-earlier quarter and $2.62 in the first quarter of 2022. The results reflect a full-quarter impact of the acquisition of People’s United, with net income of $218 million, down from $458 million in the second quarter of 2021.

  • GAAP diluted earnings per common share were $1.08, compared to $3.41 in the second quarter of 2021.
  • Net income was $218 million, a decrease from $458 million in the same period last year.
  • The acquisition of People’s United Financial, Inc. positively impacted net operating results.
  • Net interest margin increased to 3.01%, up from 2.77% in the corresponding quarter of 2021.

Headline financials

Total Revenue

$1.98B

Previous: $1.46B+36.2%
EPS (adj)

$3.10

Previous: $3.45-10.1%
Net Interest Margin

3.0%

Previous: 2.8%+8.7%
Efficiency Ratio

58.3%

Previous: 58.4%-0.2%
Free Cash Flow

$218M

Previous: $458M-52.5%
Net Income

$218M

Previous: $458M-52.5%
Operating Income

$1.77B

Previous: $1.32B+34.0%
Gross Profit

$1.93B

Previous: $1.42B+36.1%
Cash & Equivalents

$35.1B

Previous: $35.3B-0.4%
Total Assets

$204B

Previous: $151B+35.5%

Revenue & EPS history

M&T Bank · Revenue · Quarterly

$1.98B

Q2 2022+36.2%vs Q2 2021
Beat estimate in 7 of 16 quarters(44%)
ActualEstimate

Revenue by segment

M&T Bank · $571M total across 6 segments · Q2 2022

  • Trust Income
    $190M+16.6%
  • Other Revenues
    $148M+30.9%
  • Deposit Service Charges
    $124M+26.0%
  • Mortgage Banking
    $82.9M-37.8%
  • Brokerage Services
    $24.1M+135.1%
  • Trading & Derivatives
    $2.29M-64.7%

Forward guidance

This news release and related conference call may contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 and the rules and regulations of the SEC.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q2 2022

Historical avgQ2 2022

+0.6%

Avg return

Earnings day

+0.8%

Avg return

5 days after

+3.2%

Avg return

30 days after

58%

42 / 73 earnings

Positive

+9.7%

Q1 2022

Best reaction

-14.8%

Q3 2022

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q4 2025+0.2%-0.4%-7.0%
Q1 2026+0.6%-0.4%-7.0%
Q3 2025-3.5%-1.8%+1.0%
Q2 2025+0.4%-1.5%+2.9%
Q1 2025+0.3%+1.4%+17.4%
Q4 2024-2.0%-1.3%-1.0%
Q3 2024+4.3%+2.5%+13.4%
Q2 2024+0.4%+4.6%-0.9%
Q1 2024+2.1%+6.6%+14.9%
Q4 2023+6.4%+8.3%+5.6%
Q3 2023-3.8%-10.3%+1.9%
Q2 2023+2.8%+3.7%-5.3%
Q1 2023+7.8%+6.4%+2.9%
Q4 2022+5.4%+6.3%+9.7%
Q3 2022-14.8%-13.8%-9.9%
Q2 2022+2.7%+4.7%+14.6%
Q1 2022+9.7%+7.4%+0.4%
Q4 2021-9.0%-6.4%+3.7%
Q3 2021+5.4%+4.9%+3.8%
Q2 2021-4.5%-2.1%+0.5%
Q1 2021-2.7%-0.5%+5.4%
Q4 2020-0.4%-4.5%+4.3%
Q3 2020+7.2%+0.3%+19.2%
Q2 2020+1.6%-0.6%-0.9%
Q1 2020-0.8%-0.4%-8.9%
Q4 2019+5.9%+5.5%+4.1%
Q3 2019-4.2%-1.6%+3.2%
Q2 2019-4.4%-4.6%-13.4%
Q1 2019+0.3%-0.8%-3.8%
Q4 2018+7.2%+7.9%+11.6%
Q3 2018+1.3%-0.5%+6.5%
Q2 2018+2.5%+3.6%+4.7%
Q1 2018-3.1%-0.9%+0.6%
Q4 2017+5.3%+5.4%+6.9%
Q3 2017-1.1%+0.5%-2.2%
Q2 2017-3.1%-3.1%-7.3%
Q1 2017+2.6%+4.0%+5.8%
Q4 2016+1.5%+3.2%+8.6%
Q3 2016+3.1%+3.2%+22.5%
Q2 2016-5.1%-4.5%-0.9%
Q1 2016+2.6%
Q4 2015+0.2%
Q3 2015-1.3%
Q2 2015+2.5%
Q1 2015-1.1%
Q4 2014-2.4%
Q3 2014-2.6%
Q2 2014-0.2%
Q1 2014+1.8%
Q4 2013-2.5%
Q3 2013-1.1%
Q2 2013+1.5%
Q1 2013-1.8%
Q4 2012-0.1%
Q3 2012+7.7%
Q2 2012+4.0%
Q1 2012+3.4%
Q4 2011+1.1%
Q3 2011-2.0%
Q2 2011-3.0%
Q1 2011+1.3%
Q4 2007-2.1%
Q4 2010-2.1%
Q4 2009-2.1%
Q3 2010-0.3%
Q2 2010+1.6%
Q1 2009+5.0%
Q1 2010-0.2%
Q3 2009+3.1%
Q3 2008+3.1%
Q4 2008+2.7%
Q2 2009+2.7%
Q2 2008+2.7%

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