Financial insights of MTB-PH

MyFinsight

For the quarter ending 2025-09-30, MTB-PH made $5,714M in revenue. $792M in net income. Net profit margin of 13.86%.

Income Overview

Revenue
$5,714M
Net Income
$792M
Net Profit Margin
13.86%
EPS
$4.82
Unit: Million (M) dollars
Revenue Breakdown
Loans
Salaries and employee benefits
Savings and interest-checking de...
Others

Unit: Million (M) dollars (except for numbers of shares and EPS)

Income Statement	2025-09-30	2025-06-30	2025-03-31	2024-09-30
Loans	2,104	2,054	2,006	2,153
Fully taxable	-	-	321	267
Exempt from federal taxes	-	-	15	16
Investment securities	377	334	-	-
Deposits at banks	198	219	218	348
Other	1	2	0	1
Total interest income	2,680	2,609	2,560	2,785
Savings and interest-checking deposits	589	579	552	655
Time deposits	119	123	124	180
Short-term borrowings	32	37	32	57
Long-term borrowings	179	157	157	167
Total interest expense	919	896	865	1,059
Net interest income	1,761	1,713	1,695	1,726
Provision for credit losses	125	125	130	120
Net interest income after provision for credit losses	1,636	1,588	1,565	1,606
Mortgage banking revenues	147	130	118	109
Service charges on deposit accounts	141	137	133	132
Trust income	181	182	177	170
Brokerage services income	34	31	32	32
Trading account and other non-hedging derivative gains	18	12	9	13
Gain (loss) on bank investment securities	1	0	0	-2
Other revenues from operations	230	191	142	152
Total other income	752	683	611	606
Salaries and employee benefits	833	813	887	775
Equipment and net occupancy	129	130	132	125
Outside data processing and software	138	138	136	123
Professional and other services	81	86	84	88
Fdic assessments	13	22	23	25
Advertising and marketing	23	25	22	27
Amortization of core deposit and other intangible assets	10	9	13	12
Other costs of operations	136	113	118	128
Total other expense	1,363	1,336	1,415	1,303
Income before taxes	1,025	935	761	909
Income taxes	233	219	177	188
Net income	792	716	584	721

Basic (in shares)	155,558,000	159,221,000	164,209,000	166,671,000
Basic (in usd per share)	4.85	4.26	3.33	4.04
Diluted (in shares)	156,553,000	160,005,000	165,047,000	167,567,000
Diluted (in usd per share)	4.82	4.24	3.32	4.02

MyFinsight

Income Overview

Revenue
$5,714M
Net Income
$792M
Net Profit Margin
13.86%
EPS
$4.82
Unit: Million (M) dollars
Revenue Breakdown
Loans
Salaries and employee benefits
Savings and interest-checking de...
Others

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Revenue
$5,714M
Net Income
$792M
Net Profit Margin
13.86%
EPS
$4.82
Unit: Million (M) dollars
Revenue Breakdown
Loans
Salaries and employee benefits
Savings and interest-checking de...
Others

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Revenue$5,714MNet Income$792MNet Profit Margin13.86%EPS$4.82Unit: Million (M) dollarsRevenue BreakdownLoansSalaries and employee benefitsSavings and interest-checking de...Others

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Revenue$5,714MNet Income$792MNet Profit Margin13.86%EPS$4.82Unit: Million (M) dollarsRevenue BreakdownLoansSalaries and employee benefitsSavings and interest-checking de...Others

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Revenue
$5,714M
Net Income
$792M
Net Profit Margin
13.86%
EPS
$4.82
Unit: Million (M) dollars
Revenue Breakdown
Loans
Salaries and employee benefits
Savings and interest-checking de...
Others

Revenue
$5,714M
Net Income
$792M
Net Profit Margin
13.86%
EPS
$4.82
Unit: Million (M) dollars
Revenue Breakdown
Loans
Salaries and employee benefits
Savings and interest-checking de...
Others