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Sep 30, 2025
M&T Bank Q3 2025 Earnings Report
M&T Bank reported strong Q3 2025 results with increased net income and earnings per share.
Key Takeaways
M&T Bank delivered solid Q3 2025 results, supported by growth in fee income and improved credit quality. Net income and EPS rose compared to the previous quarter and the same period last year.
Net income reached $792 million, up from $721 million in Q3 2024.
Diluted EPS increased to $4.82, with adjusted EPS at $4.87.
Noninterest income rose 24% YoY, driven by higher mortgage and investment income.
Credit quality improved with a decrease in nonaccrual loans to 1.10% of total loans.
Revenue by Segment
Forward Guidance
M&T did not provide formal forward guidance, but emphasized capital return, credit quality, and operational discipline as priorities going forward.
Positive Outlook
- Strong capital position with CET1 at 10.99%
- Higher noninterest income from fee-based businesses
- Improved credit quality metrics
- Consistent growth in residential and consumer loan segments
- Continued share repurchases and dividend increases
Challenges Ahead
- Slight decrease in commercial real estate loans
- Efficiency ratio improvement may slow due to severance and impairments
- Provision for credit losses remained steady at $125M
- Loan charge-offs increased QoQ
- Pressure on noninterest expense due to executive retirement costs
Historical Earnings Impact
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Avg. Return Before/After Earnings
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