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The median of 3 price targets is $235[FMP target], stock is $212, +10.8% vs the analyst consensus median. Q1 FY26 EPS $4.18 vs $4.02 estimate: beat (+4.0%)[FMP earnings]. Stock move on D+1: -0.1%.
B+ — FMP rating [FMP ratings]. Form 4: unavailable[FMP Form 4].
Quick AnswerM&T Bank Corporation (MTB) Q2 consensus: revenue $2.5B[FMP est], EPS $5.00[FMP est]. 4 consecutive quarters of beat[FMP earnings].
Q1 FY26 EPS $4.18 vs $4.02 estimate: beat (+4.0%)[FMP]. Stock move on D+1: -0.1%[FMP D+1].
Watchlist
NII Guidance
NII_guidance
M&T Bank Corporation expects Net Interest Income (NII) for the full year 2026 to be approximately $7.2 billion to $7.35 billion.
"We expect NII of approximately $7.2 billion to $7.35 billion, which translates into a NIM in the high 3.60s."
- Daryl Bible, CFO - Q1 FY26 Earnings Call - April 15, 2026
CET1 Ratio Guidance
CET1_ratio_guidance
M&T Bank Corporation is moving to the bottom end of the CET1 ratio range of 10%, given continued asset quality improvement and our strong performance.
"We are also moving to the bottom end of the CET1 ratio range of 10%, given continued asset quality improvement and our strong performance."
- Daryl Bible, CFO - Q1 FY26 Earnings Call - April 15, 2026
C&I Loan Growth
C&I_loan_growth
M&T Bank Corporation's average Commercial and Industrial (C&I) loans grew $1.5 billion from the fourth quarter, including a pickup in middle market growth.
"C&I growth was strong, with average C&I loans growing $1.5 billion from the fourth quarter, including a pickup in middle market growth."
- Daryl Bible, CFO - Q1 FY26 Earnings Call - April 15, 2026
Share Repurchases
share_repurchases
M&T Bank Corporation executed $1.25 billion in share repurchases, representing over 3.5% of shares outstanding as of 2025.
"We brought our capital levels within our operating range and executed $1.25 billion in share repurchases, representing over 3.5% of shares outstanding as of 2025."
- Daryl Bible, CFO - Q1 FY26 Earnings Call - April 15, 2026
Asset Quality Improvement
asset_quality_improvement
M&T Bank Corporation's asset quality is strong, with more than $700 million reduction in criticized balances and net charge-offs of 31 basis points.
"Credit continues to perform well, with more than $700 million reduction in criticized balances and net charge-offs of 31 basis points."
- Daryl Bible, CFO - Q1 FY26 Earnings Call - April 15, 2026
Stock Expert AI - Methodology
Historical V1 earnings-model score (archived, May 9, 2026) — not the current MoonshotScore. Current MoonshotScore: MTB stock page
multi-pillar methodology. Gross Margin and Cash Runway strong. Revenue Growth weak.
How is it calculated? ->6 investor frameworks. 2 bullish (Ray Dalio, Ken Griffin), 0 bearish (none), 4 neutral (Jim Simons, Klarman, Buffett, Munger).
How is it calculated? ->Quality business, trading at fair value.
How is it calculated? ->Past Performance
Q1 FY26 (April 15, 2026) EPS $4.18 vs $4.02 estimate: beat (+4.0%)[FMP]. Stock move on D+1: -0.1%[FMP D+1].
Q1 FY26 EPS $4.18 vs $4.02 estimate: beat (+4.0%)[FMP]. Stock move on D+1: -0.1%[FMP].
No RPO/backlog concentration disclosed in Q1 earnings call.
Q1 CapEx $96.0M[FMP cashflow]. Q1 op margin 26.8%[FMP op margin] - this level in Q2 is sensitive to CapEx revision risk.
Not advice - a structural framework for earnings night. Decision discipline is yours.
Market Outlook
You read it in 5 minutes. When the numbers come out on Tuesday evening - you know what you're looking at.
Data arrives at night. The framework is ready now.
Data arrives on Tuesday evening. The framework is ready on this page: Q2 EPS threshold $5.00[FMP], CapEx threshold "below $96.0M". Two anchors, three scenarios.
Comparison Stock Expert AI is free today — no credit card.
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Prices as of April 2026. Sources: seekingalpha.com/subscriptions - tipranks.com/pricing - trendspider.com/pricing
Stock Expert AI is free today — no credit card. Council 7-lens analysis + MoonshotScore multi-pillar + Insider tracker + Technical levels - all in one platform, for every stock.
Educational tool, not investment advice. Past performance does not guarantee future results.
Calendar
DATA GAP: Events not in the FMP /stable/calendar feed - Investor day, analyst day, product launches, regulatory dates. These require company IR page scraping or manual calendar entry.
This M&T Bank Corporation (MTB) Q2 FY26 earnings preview covers the analyst consensus, key catalysts, and what to watch on the earnings call.
M&T Bank Corporation (MTB): Consensus EPS, revenue guidance, segment growth rates, and the tone of management commentary — the full breakdown with sources is on this page.
M&T Bank Corporation (MTB): Figures are sourced from Financial Modeling Prep (FMP) fundamentals and consensus data plus official earnings-call transcripts; derived metrics are labeled with their source next to each figure.
M&T Bank Corporation (MTB): No. This page is educational research, not investment advice. It summarizes analyst consensus and company data; consult a licensed financial advisor before making any investment decision.