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M&T Bank MTB Retail Bank — Net Income

Other segment segments

Commercial Bank
$250M+8.2%
Institutional Services and Wealth Management
$112M-7.4%
All Other
-$42M+63.5%

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Other financials

Income statement

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Revenue$2.4B+5.9%
Net income$664.0M+13.7%
EPS (diluted)$4.13+24.4%

Balance sheet

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Cash & equivalents$16.3B-28.2%
Total debt$26.8B+97.7%
Total equity$28.0B-3.5%
Total assets$214.74B+2.1%

Cash flow

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Operating cash flow$1.0B+59.4%
CapEx$96.0M+284%
Free cash flow$916.0M+50.2%

Valuation

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Market cap$34.86B+12.6%
Enterprise value$45.33B+0.2%
P/E11.9×+0.4×
P/S3.6×+0.3×

Profitability

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Net margin29.8%+1.5pp
FCF margin32.2%-5.2pp

Returns & leverage

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Return on equity10.3%+0.9pp
Debt / equity+0.5×

Where this comes from

Reported directly by M&T Bank in its filing.

Tagged under the XBRL concept us-gaap:NetIncomeLoss.

The official record: M&T Bank’s 10-Q, filed May 5, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is M&T Bank's retail bank — net income?
M&T Bank (MTB) reported retail bank — net income of $344M in Q1 2026.
How has M&T Bank's retail bank — net income changed year-over-year?
M&T Bank's retail bank — net income decreased by 0.9% year-over-year, from $347M to $344M.
What is the long-term trend for M&T Bank's retail bank — net income?
Over 4 years (2021 to 2025), M&T Bank's retail bank — net income has grown at a 17.2% compound annual growth rate (CAGR), from $765M to $1.44B.
What does retail bank — net income mean?
This metric represents the total profit generated by the retail banking segment after accounting for all operating expenses, provisions for credit losses, and applicable taxes. It reflects the bottom-line financial performance of consumer-facing banking activities, including deposits, retail lending, and related services.