NYSE$MTB

M&T Bank Corporation · Q2 2023 earnings

Q2 2023 earnings · · Investor relations

Briefing

M&T Bank's Q2 2023 earnings were announced, marked by strong performance and strategic divestiture.

M&T Bank Corporation reported a significant increase in GAAP diluted earnings per common share to $5.05, up from $1.08 in the same quarter last year. The bank's GAAP-basis net income also rose to $867 million, driven by the successful sale of its Collective Investment Trust business and healthy growth in commercial loans.

  • GAAP diluted earnings per common share increased to $5.05, a 368% rise year-over-year.
  • GAAP-basis net income reached $867 million, a 299% increase compared to Q2 2022.
  • The sale of the Collective Investment Trust business resulted in a pre-tax gain of $225 million.
  • Taxable-equivalent net interest income was $1.81 billion, reflecting a 90 basis point widening of the net interest margin.

Headline financials

Total Revenue

$2.6B

Previous: $1.98B+31.2%
EPS (adj)

$5.12

Previous: $3.10+65.2%
Net Interest Margin

3.9%

Previous: 3.0%+29.9%
Efficiency Ratio

48.9%

Previous: 58.3%-16.1%
Free Cash Flow

$867M

Previous: $218M+298.6%
Net Income

$867M

Previous: $218M+298.6%
Operating Income

-$13.5B

Previous: $1.77B-863.6%
Gross Profit

$2.54B

Previous: $1.93B+32.1%
Cash & Equivalents

$29B

Previous: $35.1B-17.6%
Total Assets

$208B

Previous: $204B+1.8%

Revenue & EPS history

M&T Bank · Revenue · Quarterly

$2.6B

Q2 2023+31.2%vs Q2 2022
Beat estimate in 10 of 15 quarters(67%)
ActualEstimate

Revenue by segment

M&T Bank · $491M total across 4 segments · Q1 2023

  • Trust Income
    $194M
  • Other Revenues
    $160M
  • Deposit Service Charges
    $114M
  • Brokerage Services
    $24M

Forward guidance

As M&T Bank moves forward into the second half of 2023, its primary focus remains on serving the evolving needs of its diverse customer base by offering an extensive array of innovative products and services.

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 2023

Historical avgQ2 2023

+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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