For the quarter ended September 2025, M&T Bank Corporation (MTB) reported revenue of $2.51 billion, up 7.8% over the same period last year. EPS came in at $4.87, compared to $4.08 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $2.44 billion, representing a surprise of +3.13%. The company delivered an EPS surprise of +10.68%, with the consensus EPS estimate being $4.40.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how M&T Bank performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Net interest margin: 3.7% versus the five-analyst average estimate of 3.7%.
- Net charge-offs to average total net loans: 0.4% versus 0.4% estimated by five analysts on average.
- Efficiency Ratio: 53.6% versus the five-analyst average estimate of 55%.
- Average Balance - Total earning assets: $190.92 billion compared to the $192.52 billion average estimate based on four analysts.
- Tier 1 Capital Ratio: 12.5% compared to the 12.6% average estimate based on three analysts.
- Total Capital Ratio: 14.4% versus 14.2% estimated by two analysts on average.
- Total nonperforming assets: $1.55 billion versus the two-analyst average estimate of $1.56 billion.
- Total other income: $752 million versus the five-analyst average estimate of $658.75 million.
- Net interest income - taxable-equivalent: $1.77 billion versus the five-analyst average estimate of $1.78 billion.
- Service charges on deposit accounts: $141 million versus the four-analyst average estimate of $138.48 million.
- Trust income: $181 million versus the four-analyst average estimate of $184.56 million.
- Mortgage banking revenues: $147 million versus $129.69 million estimated by four analysts on average.
View all Key Company Metrics for M&T Bank here>>>
Shares of M&T Bank have returned -6.8% over the past month versus the Zacks S&P 500 composite's +0.9% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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M&T Bank Corporation (MTB): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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