M&T Bank Corporation (MTB)
Summary
M&T Bank Q3 Earnings Beat on Higher NII, Stock Dips on Cost Woes
MTB beat Q3'26 earnings estimates on higher NII and loan growth, but rising expenses, lower fee income and declining deposits weigh on shares.
Consider M&T Bank As It Holds Up In A Tough Operating Environment
M&T Bank Corporation delivered a solid Q3, with revenue of $2.54 billion and EPS of $5.04, both beating consensus. MTB demonstrated healthy balance sheet momentum, with average deposits up to $166.8 billion and average loans rising 2% sequentially. Net interest margin held firm at 3.65%, and asset quality improved, with nonaccrual loans dropping to 0.90% of total loans.
What M&T Bank (MTB) Said on Its Q3 Earnings Call
M&T Bank NYSE: MTB reported third-quarter 2026 net income of $775 million, or $5.04 per diluted share on a GAAP basis, compared with $818 million, or $5.32 per share, in the prior quarter. Net operating income totaled $780 million, or $5.08 per diluted share, versus $823 million, or $5.35 per share, in the linked quarter.
M&T Bank Corporation Investors
| Name | Quantity | Cost | Value | Profit ($) | Gain (%) |
|---|---|---|---|---|---|
| TJD Thomas John Drogan PR Inc.IPAL SECURITIES Inc. | 1,018 | $242,297 | $222,585.7 | -$19,711.3 | -8.14% |
| DI David Izzi Brown, LISLE/CUMMINGS Inc. | 56 | $11,683.9 | $12,297.6 | $613.7 | 5.25% |
 Timothy M. Bidwell Hazlett, BURT & WATSON Inc. | 417 | $70,871.09 | $89,725.89 | $18,854.8 | 26.6% |
| LC Lisa Candera CIGNA INVESTMENTS Inc. /NEW | 1,350 | $164,447.41 | $287,280 | $122,832.59 | 74.69% |
 Curtis Ellergodt Rothschild Investment LLC | 100 | $17,927.2 | $21,605 | $3,677.8 | 20.52% |
M&T Bank Corporation Analysts
| Name | Quantity | Cost | Value | Profit ($) | Gain (%) |
|---|---|---|---|---|---|
| DR Dave Rochester Cantor Fitzgerald | 54.6 | $13,333.61 | $11,666.06 | -$1,667.55 | -12.51% |
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M&T Bank Corporation Profile
| Banks Industry | Financials Sector | Rene F. Jones CEO | NYSE Exchange | 55261F104 CUSIP |
| US Country | 21,662 Employees | 1 Sep 2026 Last Dividend | 6 Oct 2000 Last Split | - IPO Date |
Overview
M&T Bank Corporation is a prominent bank holding company for Manufacturers and Traders Trust Company and Wilmington Trust, National Association, specialized in delivering a wide array of retail and commercial banking products and services across the United States. Founded in 1856 and headquartered in Buffalo, New York, M&T Bank Corporation operates through three key segments: Commercial Bank, Retail Bank, and Institutional Services and Wealth Management. This structure enables it to cater to a broad spectrum of customer needs, ranging from middle-market to large commercial customers, as well as individual consumers and small businesses.
Products and Services
- Commercial Lending and Leasing - Offers a variety of credit products including letters of credits, commercial real estate loans, and other credit facilities primarily aimed at middle-market and large commercial customers.
- Deposit Products - Provides customers with an array of deposit products such as demand, savings, and time accounts, catering to both individual and business banking needs.
- Consumer Finance Loans - Includes automobile and recreational finance loans, home equity loans and lines of credit, credit cards, and residential mortgage and real estate loans for consumers.
- Business Banking Services - Offers business loans, cash management, payroll, and direct deposit services to consumers and small businesses through various channels including branch network, telephone banking, internet banking, and automated teller machines (ATMs).
- Trustee and Administrative Services - Provides comprehensive trustee, agency, investment management, and security brokerage services. These services cater to corporations and institutions, offering personal trust, planning, fiduciary, asset management, family office services, and more.
- Investment Products - Offers an extensive range of investment products such as mutual funds and annuities, geared towards both individual investors and institutional clients, including investment bankers, corporate tax, finance, and legal executives.
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