Q3: 2025-10-16 Earnings Abstract
EPS of $4.81 beats by $0.42
| Income of $2.51B (7.76% Y/Y) beats by $71.71M
M&T Financial institution Company (NYSE:MTB) Q3 2025 Earnings Name October 16, 2025 11:00 AM EDT
Firm Contributors
Steven Wendelboe
Daryl Bible – Senior EVP & CFO
Convention Name Contributors
Robert Siefers – Piper Sandler & Co., Analysis Division
Gerard Cassidy – RBC Capital Markets, Analysis Division
L. Erika Penala – UBS Funding Financial institution, Analysis Division
John Pancari – Evercore ISI Institutional Equities, Analysis Division
Christopher McGratty – Keefe, Bruyette, & Woods, Inc., Analysis Division
Manan Gosalia – Morgan Stanley, Analysis Division
Matthew O’Connor – Deutsche Financial institution AG, Analysis Division
David Rochester – Cantor Fitzgerald & Co., Analysis Division
Kenneth Usdin – Bernstein Autonomous LLP
Christopher Spahr – Wells Fargo Securities, LLC, Analysis Division
Presentation
Operator
Welcome to the M&T Financial institution Third Quarter 2025 Earnings Convention Name. [Operator Instructions] Please be suggested that right now’s convention is being recorded. I might now like to show the convention over to Steve Wendelboe, Senior Vice President, Investor Relations. Please go forward, sir.
Steven Wendelboe
Thanks, Katie, and good morning. I might wish to thank everybody for taking part in M&T Financial institution’s Third Quarter 2025 Earnings Convention Name. You probably have not learn the earnings launch we issued this morning, chances are you’ll entry it together with the monetary tables and schedules by going to our Investor Relations web site at ir.mtb.com. Additionally, earlier than we begin, I might like to say that right now’s presentation could include forward-looking data. Cautionary statements about this data are included in right now’s earnings launch supplies and within the investor presentation in addition to our SEC filings and different investor supplies. Presentation additionally contains non-GAAP monetary measures as recognized within the earnings launch and investor presentation. The suitable reconciliations to GAAP are included within the appendix. Becoming a member of me on the decision this morning is M&T’s Senior Govt Vice President and CFO, Daryl Bible. Now I might like to show the decision over to Daryl.