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M&T Bank Corporation (MTB)
NYSE:MTB
Earnings Data
Report Date
Apr 15, 2026Before Open (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
4.01Last Year’s EPS
3.32Same Quarter Last Year
Based on 13 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presents a largely positive picture driven by record full-year earnings, strong fee growth, improved asset quality, robust liquidity and active capital returns (dividend increase and substantial buybacks). There are near-term headwinds reflected in Q4 sequential declines in earnings and non-interest income, a rise in quarterly net charge-offs, a modest CET1 decline due to repurchases, and some margin/yield pressure from lower variable rates. Management’s constructive 2026 guidance (NII, loan and deposit growth, fee income, controlled expenses) and capital flexibility support an optimistic medium‑term outlook.Company Guidance
Record Full-Year Earnings and Returns
Full-year 2025 net income of $2.85 billion and record EPS of $17; maintained top-quartile return on tangible assets (>1.4%) and strong ROTCE (management expects ~16% in 2026 with a target of 17% by 2027).
Capital Returns to Shareholders
Increased quarterly dividend by 11% and repurchased ~9% of outstanding shares (approx. $507 million repurchases during the period), while growing tangible book value per share by 7% year-over-year.
Improved Asset Quality
Nonaccruals decreased 26% year-over-year; nonaccruals represented 90 bps of total loans (the lowest since 2007). Criticized commercial loans declined 27% over the year; non-accrual loans declined 17% sequentially to $1.3 billion. Allowance for loan losses fell modestly to 1.53% of loans (down 5 bps) driven by improved asset quality.
Fee Income Growth and Mix Shift
Fee income grew 13% in 2025 to a record $2.7 billion; fee mix as a percentage of revenue rose from 26% to over 28%, with broad-based strength across treasury, trust, mortgage and capital markets.
Balance Sheet and Liquidity Strength
Investment securities and cash at the Fed totaled $53.7 billion (25% of assets); estimated LCR was 109% (above regulatory minimum). Purchased $900 million of debt securities in Q4 at an average yield of 4.9%; investment securities yield increased 4 bps to 4.17%.
Loan and Deposit Momentum
Average total loans rose $2.4 billion to $165.1 billion; average loans and leases increased $1.1 billion to $137.6 billion. Interest-bearing deposits grew $2.2 billion to $120.9 billion; non-interest bearing deposits increased $100 million to $44.2 billion. Interest-bearing deposit costs fell 19 bps to 2.17%.
Disciplined Outlook and Strategic Actions
Management provided constructive 2026 guidance: taxable-equivalent NII of $7.2735 billion (NIM in the low 370s, incorporating 50 bps of assumed rate cuts), average loans $140–142 billion, average deposits $165–167 billion, non-interest income $2.675–2.775 billion, and non-interest expense $5.5–5.6 billion. Adopted MSR fair-value election which adds $197 million (~8 bps) to regulatory capital and moves ~$75 million of MSR amortization from expenses to netted mortgage revenues.
MTB Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
MTB Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Jan 16, 2026 | $212.57 | $212.28 | -0.14% |
Oct 16, 2025 | $183.57 | $177.22 | -3.46% |
Jul 16, 2025 | $194.27 | $189.58 | -2.41% |
Apr 14, 2025 | $154.39 | $154.93 | +0.35% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does M&T Bank Corporation (MTB) report earnings?
M&T Bank Corporation (MTB) is schdueled to report earning on Apr 15, 2026, Before Open (Confirmed).
What is M&T Bank Corporation (MTB) earnings time?
M&T Bank Corporation (MTB) earnings time is at Apr 15, 2026, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is MTB EPS forecast?
MTB EPS forecast for the fiscal quarter 2026 (Q1) is 4.01.
