Earnings summaries and quarterly performance for M&T BANK.
Executive leadership at M&T BANK.
Board of directors at M&T BANK.
Carlton Charles
Detailed
Director
Denis Salamone
Detailed
Director
Gary Geisel
Detailed
Vice Chairman of the Board and Lead Independent Director
Herbert Washington
Detailed
Director
Jane Chwick
Detailed
Director
John Barnes
Detailed
Director
Kirk Walters
Detailed
Director
Leslie Godridge
Detailed
Director
Melinda Rich
Detailed
Director
Richard Ledgett Jr.
Detailed
Director
Robert Sadler Jr.
Detailed
Director
Rudina Seseri
Detailed
Director
William Cruger Jr.
Detailed
Director
Research analysts who have asked questions during M&T BANK earnings calls.
Gerard Cassidy
RBC Capital Markets
6 questions for MTB
Also covers: BAC, BK, BPOP +14 more
John Pancari
Evercore ISI
6 questions for MTB
Also covers: ALLY, BFH, CFG +16 more
Manan Gosalia
Morgan Stanley
6 questions for MTB
Also covers: CADE, CFG, CFR +16 more
Ebrahim Poonawala
Bank of America Securities
5 questions for MTB
Also covers: , BK, BMO +30 more
Christopher Spahr
Wells Fargo
4 questions for MTB
Also covers: RF, ZION
Erika Najarian
UBS
4 questions for MTB
Also covers: AXP, BAC, C +14 more
Matthew O'Connor
Deutsche Bank
4 questions for MTB
Also covers: BAC, C, CFG +11 more
Peter Winter
D.A. Davidson
4 questions for MTB
Also covers: BFIN, BOKF, CFG +11 more
Bill Carcache
Wolfe Research, LLC
3 questions for MTB
Also covers: BFH, CMA, COF +10 more
Ken Usdin
Autonomous Research
3 questions for MTB
Also covers: BAC, BK, C +11 more
Christopher McGratty
Keefe, Bruyette & Woods
2 questions for MTB
Also covers: ASB, BAC, BANC +33 more
Frank Schiraldi
Piper Sandler
2 questions for MTB
Also covers: BPOP, CASH, CBU +14 more
Steven Alexopoulos
JPMorgan Chase & Co.
2 questions for MTB
Also covers: BAC, C, CFG +10 more
Chris McGratty
KBW
1 question for MTB
Also covers: BAC, C, CFG +13 more
Dave Rochester
Cantor Fitzgerald
1 question for MTB
Also covers: CFG, FLG, VLY +1 more
David Rochester
Compass Point
1 question for MTB
Also covers: BFH, BKU, CFR +4 more
L. Erika Penala
UBS
1 question for MTB
Also covers: AXP, BAC, CFG +9 more
Matt O'Connor
Deutsche Bank
1 question for MTB
Also covers: BAC, JPM, KEY +5 more
Nathan Stein
Deutsche Bank
1 question for MTB
Also covers: CFG, HBAN, HLI +1 more
Scott Seifers
Piper Sandler
1 question for MTB
Also covers: PNC
Zach Westerlind
UBS
1 question for MTB
Recent press releases and 8-K filings for MTB.
M&T outlines 2025 performance and 2026 strategic priorities
MTB
Guidance Update
New Projects/Investments
Share Buyback
- 16% year-over-year fee income growth in 2025, driven by mortgage, trust and treasury management products; overall performance bolstered by consumer and residential mortgage growth offsetting softer CRE, with disciplined expenses and ongoing credit improvements.
- In early 4Q 2025, M&T expects to return to CRE loan growth, continued deposit and fee growth, expenses slightly above plan but within prior guidance, and further reductions in criticized and non-performing assets.
- For 2026, NII is forecast to grow via both balance-sheet expansion and stable margins in the low 3.70% range; deposit beta remains ~50% on rate cuts, with additional Fed easing expected.
- Technology investment has tripled over eight years, completing foundational projects (new general ledger, data centers, commercial credit factory) and now shifting to enhance customer-facing digital and servicing platforms across commercial, consumer and wealth.
- Capital deployment priorities: maintain dividend payout in the low- to mid-30s percent range, M&A as first use of excess capital, and share repurchases (about 8.7% of shares in 2025) to drive CET1 toward the 10.75%–11% target.
Dec 10, 2025, 1:40 PM
M&T Outlines 2026 Strategy and 4Q Guidance at Goldman Sachs Conference
MTB
Guidance Update
New Projects/Investments
Share Buyback
- M&T delivered a strong 2025 with 16% fee income growth, disciplined expenses, improved credit metrics, and peer-leading capital returns.
- For 2026 the bank will shift tech investments (tech spend has tripled over eight years) from resiliency projects to customer-facing digital, commercial payments, servicing, and wealth initiatives.
- Early 4Q results show net CRE loan growth, solid deposit growth, fees on track, slight expense pressure, and continued declines in criticized and non-performing assets.
- NII growth in 2026 is expected from both balance-sheet expansion (loan and deposit growth) and margin stability around low 370 bps, with a deposit beta near 50% through rate cuts.
- Capital priorities include maintaining a low-mid 30% dividend payout (an 11% dividend increase in 2025), repurchasing 8.7% of shares in 2025, and prioritizing M&A then substantial 2026 buybacks.
Dec 10, 2025, 1:40 PM
M&T CFO outlines 2026 strategic priorities at Goldman Sachs conference
MTB
Guidance Update
New Projects/Investments
Dividends
- CFO Daryl Bible highlighted 16% growth in fee income in 2025, driven by mortgage, trust and treasury management services.
- The bank has tripled technology investment over the past 7–8 years, focusing first on resiliency (new data centers, general ledger overhaul) and now shifting to customer-experience and digital enhancements.
- In 4Q 2025, M&T reversed prior CRE declines to post net growth, saw continued deposit and fee traction, maintained expense discipline, and expects further credit improvement with lower criticized and non-performing assets.
- Net interest income is expected to grow from both balance-sheet expansion and modest margin uplift in the low 370 bps range, with a deposit beta of ~50% and neutral positioning to Fed rate cuts.
- Capital priorities include sustaining a dividend payout ratio in the low-mid 30s (11% dividend increase in 2025), pursuing strategic M&A, and repurchasing 8.7% of shares in 2025.
Dec 10, 2025, 1:40 PM
M&T Bank reports Q3 2025 results and provides 4Q25 outlook
MTB
Earnings
Guidance Update
Dividends
- Q3 2025 YTD pre-provision net revenue was $3.064 billion, net operating ROTA 1.41%, NIM 3.66%, efficiency ratio 56.3%.
- Credit metrics remained strong with allowance to loans 1.58%, net charge-offs 0.36%, and criticized C&I/CRE loans down $584 million QoQ to $7.8 billion.
- Diversified revenue mix: Commercial Bank NII of $1.599 billion (31%), Retail Bank $2.959 billion (57%), Institutional Services & Wealth $500 million (10%) in 3Q25 YTD.
- 4Q25 guidance: taxable-equivalent NII of ~$1.8 billion (NIM ~3.70%), fee income $670–690 million, expenses $1.35–1.37 billion, NCO 40–50 bps, CET1 ratio 10.75–11.00%.
- Increased quarterly dividend to $1.50 in 3Q25 and retains share repurchase flexibility.
Dec 9, 2025, 9:03 PM
Genesys reports strong Q3 FY26 Cloud AI momentum
MTB
Revenue Acceleration/Inflection
- Genesys Cloud ARR reached $2.4 billion, up 30% year-over-year in Q3 FY26 (Aug 1–Oct 31, 2025).
- Genesys Cloud AI ARR grew at more than 2× the rate of overall Cloud ARR, accelerating from the prior quarter.
- Cloud revenue accounted for 80% of total company revenue, with Net Revenue Retention above 120%, underscoring strong customer expansion.
- Platform adoption highlights include over 2 million users, 500+ customers generating $1 million+ ARR, and major enterprise deals with significant AI components.
Dec 9, 2025, 1:00 PM
Macedonian Thrace Brewery to quantify damages owed by Heineken
MTB
Legal Proceedings
- Amsterdam District Court will determine compensation owed by Heineken N.V. to Macedonian Thrace Brewery for anti-competitive conduct by its Greek subsidiary, Athenian Brewery
- Athenian Brewery was fined €31.5 million by Greece’s competition authority for unlawfully pressuring wholesalers and retailers
- MTB is seeking over €180 million in damages from Heineken, with interest already amounting to roughly half that claim; final ruling expected in H1 2026
- The European Court of Justice and Netherlands Supreme Court Advocate General have affirmed Dutch jurisdiction, recognizing Heineken and Athenian Brewery as a single economic undertaking
Nov 11, 2025, 10:36 AM
M&T Bank outlines strategic priorities at BancAnalysts Association of Boston Conference
MTB
Share Buyback
New Projects/Investments
- M&T is prioritizing data integrity and access to underpin vendor-provided AI solutions, with a focus on fundamental risk areas—credit, liquidity, and deposit behavior—to strengthen the bank’s core operations.
- Recent regulatory easing is expected to boost sustainable ROEs by providing greater capital flexibility, and relief in compliance burdens could particularly benefit smaller banks.
- The bank plans to deploy excess capital first into human and technical capabilities, remains cautious on loan growth, and has executed significant share buybacks; declining AOCI will gradually lower regulatory capital ratios to historical levels.
- M&T supports enhanced transparency around system leverage through expanded disclosures, likely driven by examiners and industry initiatives rather than SEC rule-making.
Nov 6, 2025, 4:15 PM
M&T Bank outlines strategic, tech and balance sheet transformation at Boston conference
MTB
Share Buyback
M&A
- Since 2017, M&T Bank has doubled its assets and earnings per share and is 20–25% more profitable than its peer group.
- Completed a major tech transformation, tripling technology spend, insourcing tech resources from 40% to 80%, standing up 300 agile teams, reducing significant incidents by 80%, and cutting end-of-life systems to 7% vs. 12% industry avg.
- Executed a balance sheet transformation by lowering commercial real estate concentration since early 2019 to manage concentration risk and preserve crisis-driven growth opportunities.
- Generates ample capital and trades at 9.5× EPS, versus historical 9–10× acquisition valuations, making share buybacks highly accretive while remaining open to M&A that secures top deposit share in target markets.
- Emphasizes data integrity to underpin future AI use cases, focusing on core fundamentals such as credit, liquidity, deposit behavior, and cyber resilience over first-mover tech features.
Nov 6, 2025, 4:15 PM
M&T Bank outlines strategic transformation at Boston BancAnalysts conference
MTB
New Projects/Investments
Share Buyback
M&A
- M&T has undertaken a major tech transformation, tripling technology spend since 2017, insourcing 80% of tech staff, and increasing release frequency 5× to improve system resilience (incidents down 80%).
- Under CEO René Jones, M&T has doubled its size and EPS, remains 20–25% more profitable than peers, and began reducing commercial real estate concentration in 2019 to manage concentration risk (not credit risk).
- The bank generates significant excess capital from above-peer ROEs, prioritizes hiring and capability building, and has executed substantial share buybacks this year while remaining poised to deploy more in downturns.
- M&T is expanding fee diversification through targeted acquisitions, offering end-to-end commercial services—from business formation to trust and wealth management—to stabilize non-interest income.
- On AI, the focus is on data integrity and fundamentals (credit, liquidity, deposit behavior), with ~100 use cases explored and priority given to analytics that enhance risk management and customer insights.
Nov 6, 2025, 4:15 PM
M&T Bank outlines strategy and capital deployment at BancAnalysts Association Conference
MTB
M&A
Share Buyback
New Projects/Investments
- M&T doubled its bank size and EPS since 2017 and is currently 20–25% more profitable than peers, generating significant capital after eight years of strategic balance sheet and tech transformation.
- Tech transformation includes tripling tech spend, insourcing 80% of technology resources, and increasing customer-facing releases by 5×, leading to improved system resiliency and agile operations.
- Eased regulatory requirements under upcoming capital reforms are expected to lift sustainable ROEs and grant greater capital flexibility, potentially accelerating share repurchases or opportunistic deployment during market downturns.
- Excess capital will first be allocated to bolster core capabilities—especially hiring and retaining talent and upgrading technology—while share buybacks remain an opportunistic secondary use amid cautious organic loan growth.
- On M&A, M&T holds no strict deal size limits but prioritizes cultural alignment and franchise fit over scale, maintaining its community-focused regional model rather than pursuing national expansion.
Nov 6, 2025, 4:15 PM
Quarterly earnings call transcripts for M&T BANK.
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