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AI brief of an SEC Form 8-K · M&T Bank (MTB)

M&T Bank Q4 net income rises to $759 million, diluted EPS $4.67 from $3.86

Positive Impact 3 of 5 earnings Written later

M&T Bank reported fourth-quarter 2025 net income of $759 million, or $4.67 per diluted share, up from $681 million, or $3.86 per share, a year earlier but down from $792 million in the third quarter. For full-year 2025, net income was $2.85 billion, or $17.00 per diluted share, compared with $14.64 in 2024. The results show higher year-over-year earnings per share, while the sequential quarterly decline reflects lower other revenues and higher expenses.

Key points

  • Q4 2025 net income was $759 million, up 12% from $681 million in Q4 2024 and down from $792 million in Q3 2025.
  • Q4 2025 diluted earnings per share were $4.67, compared with $3.86 in Q4 2024 and $4.82 in Q3 2025.
  • Full-year 2025 diluted earnings per share were $17.00, up 16% from $14.64 in 2024.
  • M&T repurchased 2.7 million shares in Q4 2025 for a total cost of $507 million; the CET1 capital ratio was estimated at 10.84% at December 31, 2025.

The filing

CompanyM&T Bank (MTB)
Form8-K, current report
Filed with the SECJan 16, 2026, 6:05 AM ET
Accession number0000036270-26-000004

Items reported: 2.02 Results of Operations7.01 Regulation FD Disclosure

Read the filing on SEC.gov ↗

Written by AI on Nov 8, 2026, 1:10 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on January 16, 2026.

Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.