M&T Bank Q4 Earnings Call Highlights

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MarketBeat

Fri, January 16, 2026 astatine 8:48 AM CST 9 min read

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M&T delivered record 2025 earnings—net income $2.85 cardinal and EPS $17—whileraising the quarterly dividend 11%, repurchasing astir 9% of shares and increasing tangible publication worth 7%, with interest income up 13% to a grounds $2.7 billion.
Asset prime showed betterment arsenic non-accruals fell 26% y/y to a 90 bps ratio and criticized commercialized loans declined 27%, though Q4 nett charge-offs roseate to 54 bps owed to the solution of respective ample credits and the allowance for indebtedness losses declined to 1.53%.
For 2026 the slope expects humble indebtedness maturation to $140–142 cardinal and guides taxable-equivalent NII of $7.2–7.35 billion (NIM successful the debased 3.70s), portion targeting a CET1 scope of 10.25–10.5% and noting an MSR fair‑value predetermination that added astir 8 ground points of regulatory capital.
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M&T Bank (NYSE:MTB) utilized its fourth-quarter 2025 net telephone to item grounds full-year profitability, continued betterment successful plus quality, and an outlook that assumes humble indebtedness maturation alongside broad-based interest income momentum. Senior Executive Vice President and CFO Daryl Bible besides elaborate the quarter’s moving pieces, including notable disbursal items, deposit trends, and superior priorities arsenic the slope heads into 2026.

Management said 2025 produced “consistent and continued growth” portion maintaining a disciplined, return-focused approach. The slope reported grounds nett income of $2.85 cardinal and grounds net per stock of $17. M&T besides cited a instrumentality connected tangible assets of implicit 1.4% and said it remained “top quartile” connected that measure.

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Shareholder returns were a cardinal theme. M&T said it accrued its quarterly dividend by 11%, repurchased 9% of outstanding shares, and grew tangible publication worth per stock by 7% successful 2025.

Credit metrics improved, according to management. Non-accruals decreased 26% for the year, and the non-accrual ratio reached 90 ground points, which the slope said was the lowest since 2007. M&T besides said criticized commercialized loans declined 27% successful 2025.

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Fee income was different country of emphasis. M&T reported interest income grew 13% to a grounds $2.7 billion, and the interest premix accrued from 26% to implicit 28% of revenue. Expenses were described arsenic good controlled, with the ratio ratio improving from 56.9% to 56% for the year, portion the slope continued to marque “significant endeavor investments.”