M&T Bank Q4 net income $759M ($4.67 EPS); full-year EPS $17.00, up 16% YoY

M&T BANK CORP

2025-FY EPS reported $17.00 revenue$1,657,000,000

Q4 net income $759M ($4.67 diluted EPS) vs $681M ($3.86) in Q4 2024, up 11% / 21%.
Full-year 2025 net income $2.85B ($17.00 EPS) vs $2.588B ($14.64), EPS up 16%.
Net interest margin 3.69% in Q4 vs 3.58% a year ago; NII $1.79B (+3% YoY).
Allowance for loan losses/total loans 1.53% (down from 1.61%); nonaccrual loans $1.25B (-26% YoY).
CET1 ratio 10.84% (est); repurchased 2.7M shares in Q4 at avg $183.30.

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