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M&T Bank MTB Q2 2025 earnings

Reported July 16, 2025 · Before market open

Revenue$2.4BBeat by $7.2M
EPS$4.28Beat by $0.29
Revenue estimate$2.4B
EPS estimate$3.99

Next report

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

Financials

Q2 2025

Income statement

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Revenue$2.4B+4.1%
Net income$716.0M+9.3%
EPS (diluted)$4.24+13.7%

Balance sheet

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Cash & equivalents$2.1B+19.7%
Total debt$16.5B+63.1%
Total equity$28.5B+0.4%
Total assets$211.58B+1.3%

Cash flow

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Operating cash flow$844.0M-37.7%
CapEx$26.0M-60.6%
Free cash flow$818.0M-36.5%

Valuation & ratios

Valuation

as of 06/30/25
See full
Market cap$30.52B+21.4%
Enterprise value$44.84B+34.0%
P/E11.3×+0.6×
P/S3.2×+0.5×

Profitability

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Net margin28.7%+3.0pp
FCF margin32.1%-10.6pp

Returns & leverage

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Return on equity9.5%+0.8pp
Debt / equity0.6×+0.2×

Segments

By segment

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Retail Bank$1.2B-5.6%
Commercial Bank$736.0M+2.6%
Institutional Services and Wealth Management$391.0M-2.5%
All Other$47.0M+143%

By product

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Trust income$182.0M+7.1%
Service charges on deposit accounts$137.0M+7.9%
Merchant discount and credit card interchange fees$46.0M+7.0%
Brokerage services income$31.0M+3.3%

FAQ

When did M&T Bank report Q2 2025 earnings?
M&T Bank (MTB) reported Q2 2025 earnings on July 16, 2025 before market open.
What were M&T Bank's Q2 2025 revenue and EPS?
M&T Bank reported revenue of $2.4B and eps of $4.28 for Q2 2025.
Did M&T Bank beat estimates in Q2 2025?
Revenue beat the consensus estimate of $2.4B by $7.2M. EPS beat the consensus estimate of $3.99 by $0.29.
How did M&T Bank's Q2 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 4.1% from $2.3B a year earlier and eps grew 14.7% from $3.73.
Where can I find M&T Bank's Q2 2025 SEC filings?
You can read the 8-K earnings release (0001628280-25-034994) and the 10-Q periodic report (0000036270-25-000011) directly on SEC EDGAR. The filing index links above go to sec.gov.