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The themes M&T Bank is part of, the highest-graded companies in its industry, and the companies in its sector whose grade rose recently.
The themes it is part of
Highest-graded in Banks Regional
Graded A or B and worth $2B or more: A first, then the largest.
USBUS Bancorp \DE\US$94.2BA
PNCPNC Financial Services Group, Inc.US$91.7BA
NWGNatWest Group plcUS$63.9BA
NUNu Holdings Ltd.US$57.9BA+
ITUBItau Unibanco Holding S.A.US$36.6BA
Grade rose recently in Financials
Rose to A or B on a filing in the last 90 days, worth $2B or more: largest first.
BLKBlackRock, Inc.2026년 11월 4일CAGraded C, now A
HSBCHsbc Holdings plc2026년 10월 27일CBGraded C, now B
GSThe Goldman Sachs Group, Inc.2026년 11월 2일BAGraded B, now A
WFCWells Fargo & Company2026년 10월 13일BAGraded B, now A
CMECME Group Inc.2026년 10월 21일BAGraded B, now A
어떻게 돈을 버는가
- Retail banking: consumer deposits, loans and related services48%
- Commercial banking: business lending, deposits and cash-management services30%
- Institutional, trust and wealth services15%
매출 비중은 quarter ended 2026-03-31 기준 추정치이며, 제출된 보고서의 수치가 아닙니다.
경쟁 상대
무엇을 파는가6
Consumer deposit and payment accounts
Checking, savings and time deposit accounts, along with banking services for individuals.
Consumer loans
Home equity loans and lines of credit, automobile loans, recreational vehicle financing and other consumer credit.
Business loans and credit lines
Loans for businesses, including commercial and industrial credit and loans secured by commercial property.
3개 더 보기
Residential mortgages and mortgage servicing
Home loans and services for collecting payments and administering mortgages, including servicing loans for other owners.
Equipment leasing and financing
Financing and leases that let businesses use equipment while paying over time.
Trust, institutional and wealth services
Services such as managing assets, administering trusts and supporting institutions with custody and related services.
누가 사는가6
- Individuals and households that open deposit accounts, make payments and borrow for homes, vehicles or other needs.
- Small and medium-sized businesses that borrow, hold deposits and use payment and cash-management services.
- Larger companies that use business loans, credit lines, deposits and treasury services.
3개 더 보기
- Property owners and developers that borrow to buy, build or refinance commercial real estate.
- Institutions and wealthy individuals that pay for trust administration, asset management and related services.
- Governmental entities and financial institutions that use banking, lending, trust or institutional services.
무엇에 기대고 있고, 무엇이 무너뜨릴 수 있는가
사업이 기대고 있는 것
- 1Customer deposits are M&T's main funding source for loans and other assets; deposit balances and the rates paid on them affect funding costs.
- 2M&T's earnings depend in part on market interest rates and Federal Reserve policy, which affect loan yields, deposit costs and investment income.
- 3Its banking business is concentrated in the Northeast and Mid-Atlantic, so local economic conditions affect many of its borrowers and customers.
- 4M&T depends on dividends from its bank subsidiaries for much of the parent company's liquidity; those payments are subject to financial condition and regulatory limits.
- 5M&T relies on outside companies for key parts of its business infrastructure, including technology and information systems.
- 6Its banking, lending, trust and investment activities depend on continuing compliance with extensive federal and state requirements.
잘못될 수 있는 일
- 1A downturn in M&T's regional markets could weaken borrowers' ability to repay. Commercial real estate loans are also exposed to vacancies, reduced property cash flow and difficulty refinancing at maturity.
- 2Changes in interest rates can alter the income earned on loans and investments and the cost of deposits and borrowings; competition for deposits can also raise funding costs or make deposits harder to retain.
- 3A cyberattack, information-system interruption or failure by a technology provider could disrupt banking services, expose customer information and lead to financial, legal and reputational harm.
M&T Bank Corporation 소개
M&T provides retail and commercial banking, wealth management, trust and institutional services, mainly in the Northeast and Mid-Atlantic. It earns interest from loans and investments, pays interest on deposits and borrowings, and collects fees for services such as payments, mortgage servicing, trust administration and investment management. Its banking businesses serve consumers, businesses, public bodies and financial institutions.
- 본사
- Buffalo, New York
- 설립
- 1969
- 임직원 수
- 22,278 (December 31, 2025, high)
- 상장 시장
- NYSE
- 회계연도 종료
- December 31
M&T Bank Corporation이(가) 미국 증권거래위원회(SEC)에 직접 제출한 공시로 만들었습니다. 수치는 보고된 그대로이며, 주당 이력은 오늘의 주식 수 기준으로 재계산했습니다. 이것은 사업을 설명하는 자료입니다. 투자 자문이 아니며 어떤 매수나 매도도 권유하지 않습니다.