M&T Bank Corporation (MTB) Q4 2025 Earnings Call January 16, 2026 8:00 AM EST
Company Participants
Rajiv Ranjan
Daryl Bible – Senior EVP & CFO
Conference Call Participants
Gerard Cassidy – RBC Capital Markets, Research Division
Robert Siefers – Piper Sandler & Co., Research Division
Matthew O’Connor – Deutsche Bank AG, Research Division
Manan Gosalia – Morgan Stanley, Research Division
John Pancari – Evercore ISI Institutional Equities, Research Division
David Chiaverini – Jefferies LLC, Research Division
L. Erika Penala – UBS Investment Bank, Research Division
Christopher McGratty – Keefe, Bruyette, & Woods, Inc., Research Division
Kenneth Usdin – Bernstein Autonomous LLP
Steven Chubak – Wolfe Research, LLC
Ebrahim Poonawala – BofA Securities, Research Division
Presentation
Operator
Good morning, everyone. Welcome to today’s M&T Bank Fourth Quarter and Full Year 2025 Earnings Conference Call. [Operator Instructions] Please be advised that today’s conference is being recorded.
I would now like to hand the conference over to Rajiv Ranjan, Head of Investor Relations and Corporate Development. Please go ahead, sir.
Rajiv Ranjan
Thank you, [ Bo, ] and good morning. I would like to thank everyone for participating in M&T’s Fourth Quarter 2025 Earnings Conference Call. If you have not read the earnings release we issued this morning, you may access it along with the financial tables and schedules by going to our Investor Relations website at ir.mtb.com. Also, before we start, I would like to mention that today’s presentation may contain forward-looking information.
Cautionary statements about this information are included in today’s earnings release materials and in the investor presentation as well as our SEC filings and other investor materials. The presentation also includes non-GAAP financial measures as identified in the earnings release and investor presentation. The appropriate reconciliations to GAAP are included in the appendix. Joining me on the call this morning is M&T’s Senior Executive Vice President and CFO, Daryl Bible.
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