MTB M & T Bank margins

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Relative Growth: Rel. Growth: 78
Relative Strength: Rel. Strength: 54
Relative Valuation: Rel. Valuation: 83
Relative Profitability: Rel. Profitability: 83
Gross margin
100%
Operating margin
48.5%
EBITDA margin
44.4%
Net margin
30.4%

At present, M & T Bank reports a gross margin of 100%, an operating margin of 48.5%, an EBITDA margin of 44.4%, and a net margin of 30.4%. The strongest improvement was in operating margin, up 1.9 percentage points; the remaining margins remained unchanged.

MTB margin history

Gross, operating, EBITDA and net margin trends

M & T Bank's margins averaged 100% gross, 47.26% operating, 43.02% EBITDA, and 28.58% net during the last 3 years. At present, operating, EBITDA, and net margins are above their three-year averages.

MTB margin expansion

Year-over-year margin changes in percentage points

From the same period last year, operating margin expanded by 1.9 percentage points, EBITDA margin by 1.3 percentage points, and net margin by 1.8 percentage points, while gross margin was unchanged.

Gross margin expansion
0pp
Operating margin expansion
1.9pp
EBITDA margin expansion
1.3pp
Net margin expansion
1.8pp

MTB Gross margin

M & T Bank's gross margin averaged 100% across the past 3 years. M & T Bank currently reports a gross margin of 100%, in line with its three-year average. Over the last 3 years, M & T Bank's gross margin peaked at 100% in Jun 2026 and reached a low of 100% in Dec 2023.

MTB Operating margin

M & T Bank recorded an average operating margin of 47.26% across the last 3 years. M & T Bank currently reports an operating margin of 48.5%, 1.2 percentage points above its three-year average. The highest operating margin for M & T Bank was 49.3% in Dec 2023, while the lowest was 46.2% in Dec 2024.

MTB EBITDA margin

Across the last 3 years, M & T Bank's EBITDA margin averaged 43.02%. The current EBITDA margin of 44.4% is 1.4 percentage points above its three-year average. EBITDA margin was highest at 44.6% in Dec 2023 and lowest at 40.4% in Sep 2024.

MTB Net margin

In the last 3 years, M & T Bank had an average net margin of 28.58%. Against its three-year average, M & T Bank's net margin is currently 30.4%, 1.8 percentage points above its three-year average. Looking back over the last 3 years, M & T Bank's net margin reached 30.4% at its highest point in Jun 2026 and 26.6% at its lowest in Jun 2024.

MTB margin group comparison

Margins compared with peer-group, industry and sector averages

With a gross margin of 100%, MTB stands higher than the Financial Services sector and the industry average. Looking at the Financial Services sector average of 83.9%, M & T Bank's gross margin is 19% higher.

MTB margin peer comparison

Compare margins with selected peers

Frequently asked questions

What is M & T Bank's gross margin?

For the period ending Jun 30, 2026, MTB recorded a gross margin of 100%.

What is M & T Bank's operating margin?

As of Jun 30, 2026, MTB has an operating margin of 48.5%.

What is M & T Bank's EBITDA margin?

For the period ending Jun 30, 2026, MTB recorded an EBITDA margin of 44.4%.

What is M & T Bank's net margin?

As of Jun 30, 2026, MTB has a net margin of 30.4%.

What are the average margins of MTB?

M & T Bank's average margins over the last 3 years were 100.0% gross, 47.3% operating, 43.0% EBITDA, and 28.6% net.

What are the highest historical margins of MTB?

Over this 5-year history, MTB peaked at 100% gross in Jun 2026, 49.3% operating in Dec 2023, 46.8% EBITDA in Sep 2023, and 31.3% net in Sep 2023.

What are the lowest historical margins of MTB?

M & T Bank's lowest recorded margins during the past 5 years were 100% gross in Dec 2021, 39.3% operating in Jun 2022, 36.9% EBITDA in Jun 2022, and 23.3% net in Jun 2022.