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Jun 30, 2025
M&T Bank Q2 2025 Earnings Report
M&T Bank posted solid Q2 2025 results with higher noninterest income and strong capital returns.
Key Takeaways
M&T Bank reported higher net income and EPS in Q2 2025, driven by stronger noninterest income and improved asset quality, while CET1 capital ratio declined due to significant share repurchases.
Net income rose to $716M, driven by increased mortgage banking and trust income.
EPS improved to $4.24, with non-GAAP EPS at $4.28.
Share repurchases totaled $1.1B, reducing CET1 ratio to 10.98%.
Noninterest income increased 12% QoQ, supported by loan portfolio and subsidiary sales.
Revenue by Segment
Forward Guidance
Management expects consistent profitability, continued capital returns, and prudent risk management entering the second half of 2025.
Positive Outlook
- Strong capital return to shareholders via share repurchases.
- Improved asset quality with lower criticized commercial real estate loans.
- Stress capital buffer expected to decline to 2.7% effective October 1, 2025.
- Continued growth in consumer and residential real estate loans.
- Commitment to community engagement and customer service.
Challenges Ahead
- CET1 ratio declined due to significant share repurchases.
- Commercial real estate loan balances decreased.
- Nonaccrual loans rose slightly from Q1 2025.
- Interest income impacted by municipal bond amortization alignment.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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