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Reporting soon: earnings call Friday, Oct 16
A pre-earnings brief is ready for MTB: the setup, what peers and partners said this season, and which analysts to watch.Reading it is a Tellvest Pro feature.
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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 |
Percentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions.
| Analyst | Firm | Questions · challengingPercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|
| Manan Gosalia | Morgan Stanley | 13 questions · 38% challenging |
| John Pancari | Evercore ISI | 13 questions · 38% challenging |
| Gerard Cassidy | RBC Capital Markets | 13 questions · 8% challenging |
| Ken Usdin | Autonomous Research | 12 questions · 8% challenging |
| Erika Najarian | UBS | 10 questions · 40% challenging |
| Matt O'Connor | Deutsche Bank | 10 questions · 30% challenging |
| Ebrahim Poonawala | Bank of America | 10 questions · 30% challenging |
| Chris McGratty | KBW | 9 questions · 0% challenging |
| Scott Siefers | Piper Sandler | 4 questions · 50% challenging |
| Christopher Spahr | Wells Fargo | 4 questions · 25% challenging |
| Firm | Analysts | Questions · challengingPercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|
| RBC Capital Markets | 1 analyst | 13 questions · 8% challenging |
| Evercore ISI | 1 analyst | 13 questions · 38% challenging |
| Morgan Stanley | 1 analyst | 13 questions · 38% challenging |
| Autonomous Research | 1 analyst | 12 questions · 8% challenging |
| Deutsche Bank | 2 analysts | 12 questions · 33% challenging |
| Bank of America | 1 analyst | 10 questions · 30% challenging |
| UBS | 1 analyst | 10 questions · 40% challenging |
| KBW | 1 analyst | 9 questions · 0% challenging |
Calendar quarter Q1 2026Earnings call Apr 15, 2026
FY2026 Q1 in brief
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…
Newest quarter is part of Pro ·
Sources. Tellvest earnings-call sentiment score for M&T Bank (MTB), FY2026 Q1: 7/10. Scores: M&T Bank’s public earnings-call transcripts and SEC-reported results — the base band is anchored to reported GAAP revenue growth; transcript, EPS and guidance adjustments are applied separately (documented exceptions apply to a few issuers). Price: MTB daily closing prices for the trailing year; dots mark earnings calls, colored by that quarter’s score; the newest quarter’s score is part of Tellvest Pro. How to read a company earnings-call score.
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| Quarter | Revenue | Rev YoY | EPS | EPS YoY | Net margin |
|---|---|---|---|---|---|
| FY2024 Q4 | $3.34B | +1.3% | $3.86 | +40.9% | 20.4% |
| FY2025 Q1 | $3.17B | -3.9% | $3.32 | +9.9% | 18.4% |
| FY2025 Q2 | $3.29B | -2.4% | $4.24 | +13.7% | 21.7% |
| FY2025 Q3 | $2.51B | +7.5% | $4.82 | +19.9% | 31.5% |
| FY2025 Q4 | $3.33B | -0.2% | $4.67 | +21.0% | 22.8% |
| FY2026 Q1Selected | $3.23B | +1.7% | $4.24 | +27.7% | 20.6% |
| FY2026 Q2 | $3.36B | +2.1% | $5.23 | +23.3% | 24.3% |
Management’s own words, often on a non-GAAP, constant-currency, or adjusted basis — so these can differ from the GAAP figures above (e.g. constant-currency revenue growth excludes currency swings).
GAAP revenue YoY +1.70% → base 5. The base score is anchored to the GAAP revenue YoY band before transcript, EPS, and guidance adjustments.
What MTB and other companies said about each other on FY2026 Q1 earnings calls — extracted verbatim from public transcripts. Mentions from the newest quarter are a Pro feature.
“We've had M&T go live.”
M&T Bank went live on ICE's mortgage servicing platform, a customer-adoption signal.
“our partner EY over three years”
EY served as M&T's implementation partner on a three-year general ledger modernization that just went live, a completed multi-year engagement win for EY.
“Fund banking and capital call lines is a business we acquired from Webster.”
M&T acquired its fund banking / capital call lines business from Webster and has been right-sizing it, implying Webster divested that portfolio.
| 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% | |
| NU Nu Holdings Ltd. | 8 | +53.4% | |
| PNC PNC Financial Services | 8 | +12.7% | |
| RF Regions Financial Corporation | 6 | +0.5% | |
| TFC Truist Financial | 6 | +0.4% | |
| USB U.S. Bancorp | 7 | +4.7% |