)
Edge12 Dec 2025
Running on Clouds: The Story of On
The story of how a Swiss runner's pursuit of a new running sensation became On, aiming to be the most premium global sportswear brand worldwide.
M&T Bank
M&T Bank (MTB) investor relations material
M&T Bank Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary16 Jan, 2026
Executive summary
Achieved record net income of $2.85 billion and record EPS of $17.00 for 2025, up 16% year-over-year, with top quartile return on tangible assets over 1.4%.
Fourth quarter 2025 net income was $759 million, with diluted EPS of $4.67, up 21% year-over-year.
Expanded presence in key markets, launched new business banking solutions, and deepened community engagement.
Recognized for industry leadership, including top rankings in executive, board, and ESG categories.
Prioritized operational excellence and unified growth strategies for 2026.
Financial highlights
Full-year 2025 revenues reached $9.69 billion, up from $9.28 billion in 2024; net income rose to $2.85 billion.
Fee income grew 13% year-over-year to a record $2.7 billion, with fee mix rising to over 28% of revenue.
Net interest margin for Q4 2025 was 3.69%, up 11 basis points year-over-year and 1 basis point sequentially.
Efficiency ratio improved to 56% for the year and 55.1% in Q4.
Tangible book value per share increased 7% year-over-year to $117.45.
Outlook and guidance
2026 net interest income expected at $7.2–$7.35 billion, with net interest margin in the low 3.70s.
Full-year average loans projected at $140–$142 billion; average deposits at $165–$167 billion.
Non-interest income guidance of $2.675–$2.775 billion; non-interest expense of $5.5–$5.6 billion.
Charge-offs expected near 40 basis points for 2026; CET1 ratio target of 10.25%–10.5%.
ROTCE expected to remain around 16% in 2026, with a goal of 17% by 2027.
Explain the sequential noninterest income decline.
What was the trend in commercial real estate asset quality?
How did capital deployment evolve in 2025?
What is the primary constraint on CET1 ratio reduction?
What rate cut level will drive DDA growth?
Detail capital markets and investment banking growth
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next M&T Bank earnings date
Q1 202615 Apr, 2026
M&T Bank
Next M&T Bank earnings date
Q1 202615 Apr, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
Stable Regional Bank
M&T Bank Corporation is an American regional financial services company with a significant presence in the Eastern United States. Headquartered in Buffalo, New York, M&T Bank offers a wide range of services, including retail and commercial banking, trust and wealth management, and investment services. Known for its community-oriented approach, the bank has a reputation for strong customer relationships and local decision-making. M&T has a strong historical track record in regard to solid financial performance and dividend payouts. The company is headquartered in Buffalo, New York, and its shares are listed on the NYSE.
Manufacturers and Traders Bank
M&T Bank Corporation was founded in 1856 and has a long-standing history as a trusted financial institution. Originally named Manufacturers and Traders Bank, it was established to serve the business community. Over the decades, M&T has expanded significantly through a combination of organic growth and strategic acquisitions.
M&T has managed to maintain a strong presence in the community banking sector, in large part due to its focus on personalized customer service. Its stability and resilience have been evident in its ability to navigate various economic cycles, including the financial crisis of 2008, where it emerged relatively unscathed compared to many peers and was the only bank in the S&P 500 that did not lower its dividend.
For Individual Clients
M&T Bank offers a comprehensive suite of traditional banking services for individual customers. This includes a variety of checking and savings account options, each designed to meet different financial needs and goals. Its account choices range from basic, easy-to-maintain accounts to those with more features and benefits. For personal financing, M&T provides mortgage services, home equity lines of credit, and personal loans. Additionally, M&T offers wealth management services, including investment solutions, financial planning, and estate services. These services are standard in the industry, and more or less mirrors what's offered by other regional banks such as Comerica, while the company competes against names such as Citigroup and Wells Fargo in the massive American banking industry.
For Businesses
For commercial clients, M&T Bank delivers a robust array of services designed to support business growth and operational efficiency. The bank offers specialized business checking and savings accounts, each structured to cater to different business sizes and needs. For businesses in need of financing services, M&T provides a range of commercial lending options, including term loans, lines of credit, and equipment financing. Additionally, the bank offers merchant services to facilitate payment processing for businesses. M&T also provides sector-specific solutions, with services specially designed to be employed in industries such as healthcare, government, and non-profit organizations.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage