Basis: Latest reported fiscal year. Source: stored company filings and market data; unavailable inputs remain N/A.
Is the return on equity (ROE) high or low?
The return on equity (ROE) of 10.85% is 17% above its 5-year average of 9.24%, near the high end of its 5-year range (7.87%–10.85%).
As of the fiscal period ended Wednesday, December 31, 2025. 16.10% above its 12-month average of 9.34%.
Annual fiscal-year return on equity; no daily interpolation.
RETURN ON EQUITY (ROE)
10.85%
RETURN ON EQUITY (ROE) AVG TTM
9.34%
RETURN ON EQUITY (ROE) AVG 3Y
9.18%
RETURN ON EQUITY (ROE) AVG 5Y
9.24%
RETURN ON EQUITY (ROE) AVG 10Y
9.41%
RETURN ON EQUITY (ROE) AVG 15Y
9.40%
RETURN ON EQUITY (ROE) AVG 20Y
9.37%
CURRENT VS TTM AVG
+16.10%
CURRENT VS 3Y AVG
+18.16%
CURRENT VS 5Y AVG
+17.36%
CURRENT VS 10Y AVG
+15.34%
CURRENT VS 15Y AVG
+15.46%
CURRENT VS 20Y AVG
+15.81%
SECTOR MEDIAN · FINANCIAL SERVICES
14.11%
median of 96 covered companies
CURRENT VS SECTOR MEDIAN
-23.10%
vs the sector median at left
M&T Bank Corporation
Market Cap
$36.31B
Return on Equity (ROE)
10.85%
TTM Avg
9.34%
3Y Avg
9.18%
5Y Avg
9.24%
Market Cap
$35.51B
Return on Equity (ROE)
7.35%
TTM Avg
9.46%
3Y Avg
10.40%
5Y Avg
9.10%
Market Cap
$34.34B
Return on Equity (ROE)
16.72%
TTM Avg
14.64%
3Y Avg
12.62%
5Y Avg
12.28%
Market Cap
$34.14B
Return on Equity (ROE)
19.53%
TTM Avg
19.44%
3Y Avg
18.63%
5Y Avg
16.86%
Market Cap
$34.19B
Return on Equity (ROE)
18.16%
TTM Avg
17.40%
3Y Avg
16.95%
5Y Avg
16.05%
Market Cap
$38.94B
Return on Equity (ROE)
22.23%
TTM Avg
19.57%
3Y Avg
17.20%
5Y Avg
15.24%
Market Cap
$39.48B
Return on Equity (ROE)
-7.55%
TTM Avg
16.81%
3Y Avg
-3.25%
5Y Avg
12.88%
Market Cap
$31.88B
Return on Equity (ROE)
20.36%
TTM Avg
9.45%
3Y Avg
10.01%
5Y Avg
13.52%
Market Cap
$41.06B
Return on Equity (ROE)
-45.29%
TTM Avg
-81.64%
3Y Avg
-101.23%
5Y Avg
-164.13%
| NAME | MARKET CAP | RETURN ON EQUITY (ROE) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| M&T Bank Corporation (MTB) | $36.31B | 10.85% | 9.34% | 9.18% | 9.24% |
| Huntington Bancshares Incorporated (HBAN)vs › | $35.51B | 7.35% | 9.46% | 10.40% | 9.10% |
| Northern Trust Corporation (NTRS)vs › | $34.34B | 16.72% | 14.64% | 12.62% | 12.28% |
| Arch Capital Group Ltd. (ACGL)vs › | $34.14B | 19.53% | 19.44% | 18.63% | 16.86% |
| Raymond James Financial, Inc. (RJF)vs › | $34.19B | 18.16% | 17.40% | 16.95% | 16.05% |
| The Hartford Insurance Group, Inc. (HIG)vs › | $38.94B | 22.23% | 19.57% | 17.20% | 15.24% |
| Coinbase Global, Inc. (COIN)vs › | $39.48B | -7.55% | 16.81% | -3.25% | 12.88% |
| Willis Towers Watson Public Limited Company (WTW)vs › | $31.88B | 20.36% | 9.45% | 10.01% | 13.52% |
| MSCI Inc. (MSCI)vs › | $41.06B | -45.29% | -81.64% | -101.23% | -164.13% |
| American International Group, Inc. (AIG)vs › | $41.33B | 7.53% | 2.12% | 9.30% | 7.33% |
ROE
10.8%
ROA
1.4%
ROE = Net Income / Total Shareholders' Equity
Return on equity measures how efficiently a company generates profit from shareholders' equity. Higher ROE indicates better capital efficiency.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | RETURN ON EQUITY (ROE) |
|---|---|
| 2025-12-31 | 9.77% |
| 2024-12-31 | 8.92% |
| 2023-12-31 | 10.17% |
| 2022-12-31 | 7.87% |
| 2021-12-31 | 10.38% |
| 2020-12-31 | 8.36% |
| 2019-12-31 | 12.27% |
| 2018-12-31 | 12.41% |
| 2017-12-31 | 8.67% |
| 2016-12-31 | 7.98% |
| 2015-12-31 | 6.68% |
| 2014-12-31 | 8.64% |
| 2013-12-31 | 10.07% |
| 2012-12-31 | 10.09% |
| 2011-12-31 | 9.27% |
| 2010-12-31 | 8.81% |
| 2009-12-31 | 4.90% |
| 2008-12-31 | 8.19% |
| 2007-12-31 | 10.09% |
| 2006-12-31 | 13.36% |
| 2005-12-31 | 13.31% |
| 2004-12-31 | 12.61% |
| 2003-12-31 | 10.04% |
| 2002-12-31 | 15.12% |
| 2001-12-31 | 12.86% |
| 2000-12-31 | 10.60% |
| 1999-12-31 | 14.78% |
| 1998-12-31 | 12.98% |
| 1997-12-31 | 17.10% |
| 1996-12-31 | 16.68% |
