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M&T Bank MTB Q1 2025 earnings

Reported April 14, 2025 · Before market open

Revenue$2.3BMiss by $38.5M
EPS$3.38Miss by $0.02
Revenue estimate$2.3B
EPS estimate$3.40

Next report

Oct 16, 2026 (in 2 months)
Revenue estimate$2.5B
EPS estimate$4.94

Financials

Q1 2025

Income statement

See full
Revenue$2.3B+2.0%
Net income$584.0M+10.0%
EPS (diluted)$3.32+9.9%

Balance sheet

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Cash & equivalents$22.8B+1,243%
Total debt$13.6B-16.5%
Total equity$29.0B+6.7%
Total assets$210.32B-2.2%

Cash flow

See full
Operating cash flow$635.0M+4.4%
CapEx$25.0M-28.6%
Free cash flow$610.0M+6.5%

Valuation & ratios

Valuation

as of 03/31/25
See full
Market cap$29.37B+21.6%
Enterprise value$20.17B-47.9%
P/E11.1×+1.7×
P/S3.1×+0.6×

Profitability

See full
Net margin28.3%+1.3pp
FCF margin37.4%-3.1pp

Returns & leverage

See full
Return on equity9.4%-0.4pp
Debt / equity0.5×-0.1×

Segments

By segment

See full
Retail Bank$1.2B—
Commercial Bank$702.0M—
Institutional Services and Wealth Management$380.0M+0.8%
All Other$44.0M+152%

By product

See full
Trust income$177.0M+10.6%
Service charges on deposit accounts$133.0M+7.3%
Merchant discount and credit card interchange fees$37.0M0.0%
Brokerage services income$32.0M+10.3%

FAQ

When did M&T Bank report Q1 2025 earnings?
M&T Bank (MTB) reported Q1 2025 earnings on April 14, 2025 before market open.
What were M&T Bank's Q1 2025 revenue and EPS?
M&T Bank reported revenue of $2.3B and eps of $3.38 for Q1 2025.
Did M&T Bank beat estimates in Q1 2025?
Revenue missed the consensus estimate of $2.3B by $38.5M. EPS missed the consensus estimate of $3.40 by $0.02.
Where can I find M&T Bank's Q1 2025 SEC filings?
You can read the 8-K earnings release (0001628280-25-017604) and the 10-Q periodic report (0001628280-25-022036) directly on SEC EDGAR. The filing index links above go to sec.gov.