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

M&T Bank Q4 net income $681 million, EPS $3.86, up from $2.74 a year earlier

Mixed Impact 3 of 5 earnings Written later

M&T Bank Corporation reported fourth-quarter 2024 net income of $681 million, or $3.86 per diluted share, up from $482 million and $2.74 in the fourth quarter of 2023 but down from $721 million and $4.02 in the third quarter of 2024. For full-year 2024, net income was $2.59 billion, or $14.64 per diluted share, compared with $2.74 billion and $15.79 in 2023. The filing includes no financial guidance for 2025.

Key points

  • Q4 2024 net income $681 million and diluted EPS $3.86, versus $721 million and $4.02 in Q3 2024.
  • Full-year 2024 net income $2.59 billion and diluted EPS $14.64, versus $2.74 billion and $15.79 in 2023.
  • Estimated CET1 capital ratio rose to 11.67% at December 31, 2024, from 11.54% at September 30, 2024; M&T repurchased $200 million of common stock in Q4.
  • Nonaccrual loans fell to 1.25% of total loans at December 31, 2024, from 1.42% at September 30, 2024.

The filing

CompanyM&T Bank (MTB)
Form8-K, current report
Filed with the SECJan 16, 2025, 6:03 AM ET
Accession number0001628280-25-001667

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

Read the filing on SEC.gov ↗

Written by AI (Anthropic Claude, claude-haiku-5-5) on Nov 8, 2026, 1:10 AM ET, from the text of the filing and its press-release exhibits 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, 2025.

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