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Sentiment · FY2026 Q1
| Analyst | Firm | Questions | ChallengePercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|---|
| Gerard Cassidy | RBC Capital Markets | 11 | 0% |
| Manan Gosalia | Morgan Stanley | 11 | 0% |
| John Pancari | Evercore ISI | 11 | 9% |
| Ken Usdin | Autonomous Research | 10 | 0% |
| Matt O'Connor | Deutsche Bank | 8 | 13% |
| Chris McGratty | KBW | 8 | 0% |
| Ebrahim Poonawala | Bank of America | 8 | 0% |
| Erika Najarian | UBS | 8 | 0% |
| Chris Spahr | Wells Fargo | 4 | 25% |
| Peter Winter | D.A. Davidson | 4 | 0% |
| Firm | Analysts | Questions | ChallengePercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|---|
| Evercore ISI | 1 | 11 | 9% |
| RBC Capital Markets | 1 | 11 | 0% |
| Morgan Stanley | 1 | 11 | 0% |
| Autonomous Research |
| 1 |
| 10 |
| 0% |
| Deutsche Bank | 2 | 10 | 10% |
| KBW | 1 | 8 | 0% |
| Bank of America | 1 | 8 | 0% |
| UBS | 1 | 8 | 0% |
M&T Bank delivered GAAP EPS of $4.13 with NIM expanding 2 basis points to 3.71% as fixed-rate asset repricing continued, while fee income grew 13% year-over-year with broad-based strength and C&I growth reached $1.5 billion driven by middle market utilization pickup. Management reiterated FY2026 NII guidance of $7.2-7.35 billion unchanged, executing $1.25 billion in share repurchases representing 3.5% of shares outstanding as CET1 moved toward the bottom of the 10-10.5% target range.
Demand | Credit | Margin | Capital Allocation | Competitive Dynamics | Revenue Growth | Regulation Policy | Macroeconomic | |
|---|---|---|---|---|---|---|---|---|
| 2024Q4 | 3 | 4 | 4 | 2 | 1 | 3 | 1 | 2 |
| 2025Q1 | 4 | 6 | 3 | 2 | 1 | 1 | 1 | 3 |
| 2025Q2 | 10 | 5 | 5 | 4 | 7 | 1 | 3 | 1 |
| 2025Q3 | 4 | 9 | 4 | 2 | 4 | 1 | 4 | 2 |
| 2025Q4 | 8 | 3 | 5 | 5 | 2 | 6 | 1 | 1 |
| 2026Q1 | 6 | 2 | 5 | 5 | 4 | 1 | 3 |
| '24Q4 | '25Q1 | '25Q2 | '25Q3 | '25Q4 | '26Q1 | |
|---|---|---|---|---|---|---|
| Demand | 3 | 4 | 10 | 4 | 8 | 6 |
| Credit | 4 | 6 | 5 | 9 | 3 | 2 |
| Margin | 4 | 3 | 5 | 4 | 5 | 5 |
| Capital Allocation | 2 | 2 | 4 | 2 | 5 | 5 |
| Competitive Dynamics | 1 | 1 | 7 | 4 | 2 | 4 |
| Revenue Growth | 3 | 1 | 1 | 1 | 6 | 1 |
| Regulation Policy | 1 | 1 | 3 | 4 | 1 | 3 |
| Macroeconomic | 2 | 3 | 1 | 2 | 1 |
| Company | Score | Trend | Rev YoY |
|---|---|---|---|
MTB M&T Bank | 7 | +1.7% | |
| CFG Citizens Financial Group | 8 | +4.5% | |
| FITB Fifth Third Bancorp | 7 | +25.8% | |
| HBAN Huntington Bancshares | 7 | +26.3% | |
| KEY KeyCorp | 9 | +1.1% | |
| PNC PNC Financial Services | 8 | +12.7% | |
| RF Regions Financial Corporation | 6 | +0.5% | |
| TFC Truist Financial | 7 | +0.4% | |
| USB U.S. Bancorp | 7 | +4.7% |