Sep 30, 2021

M&T Bank Q3 2021 Earnings Report

M&T Bank reported an increase in net income and diluted earnings per share for the third quarter of 2021, driven by strong fee income and a robust business model.

Key Takeaways

M&T Bank Corporation reported GAAP diluted earnings per common share of $3.69 for Q3 2021, up from $2.75 in Q3 2020 and $3.41 in Q2 2021. Net income was $495 million, compared to $372 million in the same quarter the previous year. The results reflect the strength of M&T's diversified business model, with fee income being particularly robust.

Diluted earnings per common share increased to $3.69, up from $2.75 in the year-earlier quarter.

GAAP-basis net income rose to $495 million, compared to $372 million in the third quarter of 2020.

Fee income was robust, driven by strong mortgage banking, trust and brokerage, and other payments revenue.

Common Equity Tier 1 Capital Ratio improved to 11.1% at September 30, 2021, from 10.7% at the end of the second quarter.

Total Revenue
$1.54B
Previous year: $1.46B
+4.9%
EPS
$3.76
Previous year: $2.75
+36.7%
Net Interest Margin
2.74%
Previous year: 2.95%
-7.1%
Efficiency Ratio
57.7%
Previous year: 56.17%
+2.7%
Cash and Equivalents
$1.48B
Previous year: $1.49B
-0.6%
Total Assets
$152B
Previous year: $139B
+9.6%

M&T Bank

M&T Bank

M&T Bank Revenue by Segment

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.