M&T Bank reports Q4 EPS $4.72, consensus $4.47

Reports Q4 CET1 capital ratio 10.84%. Reports Q4 net charge-off .54%. The company said, “M&T finished 2025 with another quarter of strong financial performance. For the full-year 2025, M&T achieved a 16% increase in diluted earnings per common share, meaningfully reduced its level of criticized loans and improved its efficiency ratio while continuing to expand and improve our capabilities. M&T’s fundamentals remain strong, positioning the Company for growth as we enter the new year. As we close out 2025, I’d like to thank my colleagues for their unwavering commitment to our customers and the communities we serve.”