The earnings call highlighted strong financial performance, improved asset quality, increased dividends, and progress in sustainability initiatives as positive aspects. However, challenges were noted in declining average deposits, increased net charge-offs, and pressure on CRE balances.
Company Guidance
During the third quarter of 2025, M&T Bank Corporation delivered strong financial performance, highlighted by operating ROTA and ROTCE of 1.56% and 17.13%, respectively. The net interest margin expanded to 3.68%, driven by well-controlled deposit and funding costs and fixed rate asset repricing. Fee income reached record levels, excluding notable items, and the efficiency ratio improved to 53.6%. Asset quality showed improvement with a 7% reduction in commercial criticized balances and a 4% decrease in non-accrual loans. M&T increased its quarterly dividend by 11% to $1.50 and executed $409 million in share repurchases. The bank also maintained a robust capital position with an estimated CET1 ratio of 10.99%. Looking ahead to the fourth quarter, M&T anticipates taxable equivalent net interest income of approximately $1.8 billion, with a net interest margin of 3.7%, and expects continued loan growth, particularly in C&I, residential mortgage, and consumer segments. Noninterest income is projected to remain strong, with full-year expenses anticipated in the top half of the previously forecasted range.
Strong Financial Performance
M&T Bank Corporation reported a net income of $792 million, up from $716 million in the previous quarter. The diluted GAAP earnings per share increased to $4.82 from $4.24. The net interest margin rose to 3.68% with a record fee income level.
Improved Asset Quality
Asset quality continued to improve with a $584 million or 7% reduction in commercial criticized balances and a $61 million or 4% reduction in non-accrual loans.
Increased Dividends and Share Repurchases
M&T Bank Corporation increased its quarterly dividend per share by 11% to $1.50 and executed $409 million in share repurchases.
Sustainability and Community Impact
The bank made significant progress towards sustainability goals, including $5 billion in sustainable lending and investments and over $58 million contributed to nonprofits.
M&T Bank (MTB) Earnings, Revenues Date & History
The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
MTB Earnings-Related Price Changes
Report Date
Price 1 Day Before
Price 1 Day After
Percentage Change
Oct 16, 2025
$185.03
$178.63
-3.46%
Jul 16, 2025
$195.81
$191.09
-2.41%
Apr 14, 2025
$155.62
$156.16
+0.35%
Jan 16, 2025
$196.51
$191.84
-2.38%
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does M&T Bank (MTB) report earnings?
M&T Bank (MTB) is schdueled to report earning on Jan 16, 2026, Before Open (Confirmed).
What is M&T Bank (MTB) earnings time?
M&T Bank (MTB) earnings time is at Jan 16, 2026, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.