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M&T Bank MTB Direct Financing Lease Unguaranteed Residual Asset

Direct Financing Lease Unguaranteed Residual Asset at other companies

The Bancorp logo
The BancorpTBBK
$41.1M-11.0%
M&T Bank logo
M&T BankMTB
$316M-6.8%
Popular logo
PopularBPOP
$820.33M+5.9%
Customers Bancorp logo
Customers BancorpCUBI
$10.75M-6.6%
The Bancorp logo
The BancorpTBBK
$218.11M+0.3%
Customers Bancorp logo
Customers BancorpCUBI
$28.62M+6.1%

Other financials

Income statement

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Revenue$2.5B+5.7%
Net income$818.0M+14.2%
EPS (diluted)$5.32+25.5%

Balance sheet

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Cash & equivalents$16.3B-28.2%
Total debt$26.8B+97.7%
Total equity$27.9B-2.0%
Total assets$219.26B+3.6%

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$36.38B+25.5%
P/E12×+1.3×
P/S3.7×+0.6×

Profitability

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Net margin30.4%+1.8pp
FCF margin32.2%-5.2pp

Returns & leverage

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Return on equity10.7%+1.3pp
Debt / equity1×+0.5×

Where this comes from

Reported directly by M&T Bank in its filing.

Tagged under the XBRL concept us-gaap:DirectFinancingLeaseUnguaranteedResidualAsset.

The source filing: M&T Bank’s 10-K, filed February 18, 2026.

Filed
Feb 18, 2026, 1:04 PM EST
Fiscal year
FY2025
Accession
0000036270-26-000010
(Dollars in millions)December 31, 2025December 31, 2024
Lease payments receivable$2,798$2,751
Estimated residual value of leased assets (a)316339
Amounts representing interest(367)(349)
Total$2,747$2,741

Item 8. Financial Statements and Supplementary Data.

FAQ

What is M&T Bank's direct financing lease unguaranteed residual asset?
M&T Bank (MTB) reported direct financing lease unguaranteed residual asset of $316M in Q4 2025.
What is the long-term trend for M&T Bank's direct financing lease unguaranteed residual asset?
Over 2 years (2023 to 2025), M&T Bank's direct financing lease unguaranteed residual asset has grown at a 7.4% compound annual growth rate (CAGR), from $274M to $316M.
What does direct financing lease unguaranteed residual asset mean?
The estimated fair value of the leased asset at the end of the lease term that is not guaranteed by the lessee. This represents a residual value risk for the bank, as the ultimate recovery depends on the asset's market value.

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