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M&T Bank MTB Q4 2025 Annual earnings

Reported January 16, 2026 · Before market open

Revenue$2.5BBeat by $2.2M
EPS$4.67Beat by $0.19
Revenue estimate$2.5B
EPS estimate$4.48

Next report

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

Financials

Q4 2025

Income statement

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Revenue$2.5B+3.8%
Net income$759.0M+11.5%
EPS (diluted)$4.66+20.7%

Balance sheet

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Cash & equivalents$18.8B-9.7%
Total debt$15.8B+10.2%
Total equity$29.2B+0.5%
Total assets$213.51B+2.6%

Cash flow

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Operating cash flow$523.0M-68.8%
CapEx$56.0M-34.1%
Free cash flow$467.0M-70.6%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$30.97B-0.7%
Enterprise value$28.01B+13.1%
P/E10.9×-1.2×
P/S3.2×-0.2×

Profitability

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Net margin29.4%+1.5pp
FCF margin29.5%-7.7pp

Returns & leverage

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Return on equity9.8%+0.6pp
Debt / equity0.5×0.0×

Segments

By product

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Trust income$184.0M+5.1%
Service charges on deposit accounts$140.0M+6.9%
Merchant discount and credit card interchange fees$43.0M+4.9%
Brokerage services income$34.0M+13.3%

By segment

See full
Retail Bank$1.2B-2.1%
Commercial Bank$761.0M+2.1%
All Other$112.0M—

FAQ

When did M&T Bank report Q4 2025 earnings?
M&T Bank (MTB) reported Q4 2025 earnings on January 16, 2026 before market open.
What were M&T Bank's Q4 2025 revenue and EPS?
M&T Bank reported revenue of $2.5B and eps of $4.67 for Q4 2025.
Did M&T Bank beat estimates in Q4 2025?
Revenue beat the consensus estimate of $2.5B by $2.2M. EPS beat the consensus estimate of $4.48 by $0.19.
How did M&T Bank's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 4.8% from $2.4B a year earlier and eps grew 19.1% from $3.92.
Where can I find M&T Bank's Q4 2025 SEC filings?
You can read the 8-K earnings release (0000036270-26-000004) and the 10-K periodic report (0000036270-26-000010) directly on SEC EDGAR. The filing index links above go to sec.gov.