Here's What Key Metrics Tell Us About M&T Bank (MTB) Q4 Earnings
M&T Bank Corporation (MTB) reported $2.48 billion in revenue for the quarter ended December 2025, representing a year-over-year increase of 3.8%. EPS of $4.72 for the same period compares to $3.92 a year ago.The reported revenue represents a surprise of +0.42% over the Zacks Consensus Estimate of $2.46 billion. With the consensus EPS estimate being $4.44, the company has not delivered EPS surprise.While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.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 charge-offs to average total net loans: 0.5% versus 0.5% estimated by five analysts on average.Efficiency Ratio: 55.1% versus 55.5% estimated by five analysts on average.Net interest margin: 3.7% compared to the 3.7% average estimate based on five analysts.Average Balance - Total earning assets: $192.37 billion versus $192.31 billion estimated by four analysts on average.Tier 1 Capital Ratio: 12.6% compared to the 12.6% average estimate based on three analysts.Total Capital Ratio: 14.4% versus 14.3% estimated by two analysts on average.Total nonperforming assets: $1.29 billion compared to the $1.51 billion average estimate based on two analysts.Total other income: $696 million versus $679.22 million estimated by five analysts on average.Net interest income - taxable-equivalent: $1.79 billion versus $1.79 billion estimated by five analysts on average.Service charges on deposit accounts: $140 million versus $148.14 million estimated by four analysts on average.Trust income: $184 million compared to the $185.17 million average estimate based on four analysts.Mortgage banking revenues: $155 million versus $149.84 million estimated by four analysts on average.View all Key Company Metrics for M&T Bank here>>>Shares of M&T Bank have returned +4.4% over the past month versus the Zacks S&P 500 composite's +2% 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.Quantum Computing Stocks Set To SoarArtificial intelligence has already reshaped the investment landscape, and its convergence with quantum computing could lead to the most significant wealth-building opportunities of our time.Today, you have a chance to position your portfolio at the forefront of this technological revolution. In our urgent special report, Beyond AI: The Quantum Leap in Computing Power, you'll discover the little-known stocks we believe will win the quantum computing race and deliver massive gains to early investors.Access the Report Free Now >>Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report M&T Bank Corporation (MTB): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).Zacks Investment ResearchWeiter zum vollständigen Artikel bei Zacks
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