Q4 2025 M&T Bank Corp Earnings Call Transcript

Jan 16, 2026 / 01:00 PM GMT

Release Date Price: €182.8 (+0.03%)

Transcript 8-K

Key Points

Positve

M&T Bank Corp (MTB) achieved record net income of $2.85 billion and record EPS of $17 in 2025.
The bank increased its quarterly dividend by 11% and repurchased 9% of its outstanding shares.
M&T Bank Corp (MTB) improved its asset quality, with non-accrual loans decreasing by 26% and criticized commercial loans reduced by 27%.
Fee income grew by 13%, reaching a record $2.7 billion, and the fee mix as a percentage of revenue increased from 26% to over 28%.
The efficiency ratio improved from 56.9% to 56%, indicating well-controlled expenses and significant enterprise investments for future growth.

Negative

Fourth-quarter diluted GAAP earnings per share decreased to $4.67 from $4.82 in the prior quarter.
Net income for the fourth quarter was $759 million, down from $792 million in the previous quarter.
Non-interest income decreased to $696 million from $752 million in the prior quarter, with notable declines in other revenues from operations.
The allowance for loan losses as a percentage of total loans decreased by 5 basis points to 1.53%, reflecting improved asset quality but also indicating potential risk exposure.
The CET1 ratio declined by 15 basis points to 10.84%, partly due to $507 million in share repurchases and increased risk-weighted assets.

Refinitiv StreetEvents Event Transcript
P R E L I M I N A R Y V E R S I O N

MTB.N - M&T Bank Corp
Q4 2025 M&T Bank Corp Earnings Call
Jan 16, 2026 / 01:00PM GMT

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THIS TRANSCRIPT IS THE INITIAL PRELIMINARY VERSION WHICH LEVERAGES MACHINE LEARNING TECHNOLOGY. AS SUCH, PLEASE BE AWARE THERE MAY BE INACCURACIES IN THE TEXT DISPLAYED. FUTURE EDITED VERSIONS WILL BE REVIEWED FOR GREATER ACCURACY.

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