M&T Bank Corporation · MTB · Next earnings

M&T Bank Corporation reports Friday, Oct 16, 2026

MTB reports before market open with consensus EPS at $4.94 and revenue at $2.53B. Last quarter: M&T Bank Posts Record EPS on Loan Growth and Fee Income Strength

Reports Before market open26 days awayDate estimated Financial Services

What the street expects

Consensus for the coming report
Consensus EPS $4.94 Calendar consensus
Consensus revenue $2.53B Calendar consensus
Report date Oct 16, 2026 Friday, date estimated
Session Before market open 26 days away

Where MTB left off: FY2026 Q2

Full report

M&T Bank Posts Record EPS on Loan Growth and Fee Income Strength

EPS surprise +14.8% Reported $5.35 vs $4.66
Revenue surprise +2.8% Reported $2.53B vs $2.46B
Stock move +2.8% Event window
Subsequent drift +0.7% Up to 20 sessions

Full-year guidance was maintained for the second consecutive quarter: NII at $7.2-$7.35 billion and NIM in the high 3.60% range. The CET1 target range was slightly refined to 10-10.5% from the prior quarter's 'toward 10%' language. Management acknowledged potential for modest NIM compression ahead, a subtle tonal shift from Q1's 2-basis-point margin expansion. Sub-servicing revenue expectations were sharpened with a specific H2 contribution target of approximately $35 million. Capex outlook moved to 'increasing' from 'not mentioned' in Q1, driven by technology and cybersecurity investments.

What to watch on the call

Carried forward from the last transcript

Risks management flagged

  • Potential NIM compression from higher funding costs and a flatter yield curve
  • Credit concentration risk in CRE and C&I criticized loans
  • Technology and cybersecurity expense growth

Questions analysts left open

  • Extent of NIM compression and deposit cost trends
  • Impact of Basel III risk-transfer opportunities on capital efficiency
  • Sustainability of CRE loan growth and criticized loan trends
  • Future contribution of sub-servicing and Bayview distributions

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Recent MTB quarters

All MTB earnings
+2.8%FY2026 Q2

Sources

  1. FN2 corporate events calendar, resolved from the earnings calendar feed
  2. FN2 earnings calendar analyst consensus
  3. Earnings call transcript analysis, FY2026 Q2

Methodology

The report date comes from FN2's resolved corporate-events calendar and is marked estimated until the company confirms it. Consensus figures are the calendar's latest analyst estimates for the fiscal period and are not an FN2 forecast.

Risks and open questions are carried forward verbatim from FN2's structured analysis of the previous earnings call. Missing values stay missing and are never estimated.

By FN2 Research · Updated . For educational purposes only; not investment advice.