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M&T Bank (MTB)
NYSE:MTB
Earnings Data
Report Date
Jul 16, 2025TBA Not Confirmed
Period Ending
2025 (Q2)Consensus EPS Forecast
3.96Last Year’s EPS
3.73Same Quarter Last Year
Moderate Buy
Based on 13 Analysts Ratings
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Earnings Call Summary
Earnings Call Date:Apr 14, 2025
|% Change Since: 0.35%
|Next Earnings Date:Jul 16, 2025
Earnings Call Sentiment|Neutral
The earnings call presented a mixed picture. While M&T Bank showed strong liquidity, improved asset quality, and received notable recognition, it faced challenges with a decline in earnings, net interest income, and commercial real estate loans. The bank's execution in share repurchases and asset quality improvement were positive, but these were offset by lower earnings and pressure on net interest income.Company Guidance
During M&T Bank's First Quarter 2025 Earnings Conference Call, CFO Daryl Bible highlighted several key financial metrics and provided guidance for the upcoming year. The bank reported a net interest margin of 3.66%, an increase of 8 basis points from the previous quarter, and a $662 million share repurchase, aiming for an 11% CET1 ratio by 2025. Net income was $584 million, resulting in an ROA and ROCE of 1.14% and 8.36%, respectively. The bank's fee income grew by 5% year-over-year, and asset quality improved with a $516 million reduction in commercial criticized balances. M&T expects taxable equivalent net interest income to range between $7.05 billion and $7.15 billion, with average loan and lease balances of $135 billion to $137 billion and average deposit balances of $162 billion to $164 billion. The bank anticipates noninterest income at the high end of $2.5 billion to $2.6 billion, with total noninterest expenses projected between $5.4 billion and $5.5 billion. The guidance reflects an optimistic view despite a dynamic economic environment, with M&T emphasizing strong liquidity, capital generation, and a focus on supporting customers and communities.Strong Start to the Year
Net interest margin increased 8 basis points, reflecting efficient balance sheet management and strong deposit franchise. Share repurchases totaled $662 million, with a goal of reaching an 11% CET1 ratio in 2025. Tangible book value per share grew by 2%.
Improvement in Asset Quality
Asset quality improved with a $516 million reduction in commercial criticized balances and a $150 million reduction in nonaccrual loans. Net charge-offs were 34 basis points, below the full-year expectation of 40 basis points.
Recognition and Awards
M&T received 13 Greenwich Coalition awards for small business and middle market segments. The bank was also included in Fortune's most admired and most innovative company list.
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MTB Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
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MTB Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
| Apr 14, 2025 | $157.95 | $158.50 | +0.35% |
| Jan 16, 2025 | $199.46 | $194.72 | -2.38% |
| Oct 17, 2024 | $186.86 | $196.26 | +5.03% |
| Jul 18, 2024 | $161.21 | $163.88 | +1.66% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
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FAQ
When does M&T Bank (MTB) report earnings?
M&T Bank (MTB) is schdueled to report earning on Jul 16, 2025, TBA Not Confirmed.
What is M&T Bank (MTB) earnings time?
M&T Bank (MTB) earnings time is at Jul 16, 2025, TBA Not Confirmed.
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is MTB EPS forecast?
MTB EPS forecast for the fiscal quarter 2025 (Q2) is 3.96.
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