Inferra AIResearch Tools

Inferra AI / Company / MTB

M&T Bank

MTB · Financials

Last earnings Oct 16, 2026

Key results

Net incomequarter

$775 million

htm EX-99.1 Document Exhibit 99.1 News Release One M T Plaza, Buffalo, NY 14203 October 16, 2026 M T Bank Corporation (NYSE MTB) announces third quarter 2026 results M T Bank Corporation ( M T or the Company ) reports quarterly net income of $775 million or $5.04 of diluted earnings per common share.

SEC original ↗M&T Bank — Earnings release (8-K exhibit)EX-99Oct 16, 2026

Net operating incomequarter

5 %

3Q25 Net operating income $ 780 $ 823 -5 % $ 798 -2 % Diluted net operating earnings per common share 5.08 5.35 -5 4.87 4 Annualized return on average tangible assets 1.47 % 1.59 % 1.56 % Annualized return on average tangible common equity 17.29 18.57 17.13 Efficiency ratio 54.4 52.8 53.6 Tangible equity per common share $ 115.88 $ 117.41 -1 $ 115.31 (1) A reconciliation of non-GAAP measures is included in the tables that accompany this release.

SEC original ↗M&T Bank — Earnings release (8-K exhibit)EX-99Oct 16, 2026

EPSquarter

1.47 %

3Q25 Net operating income $ 780 $ 823 -5 % $ 798 -2 % Diluted net operating earnings per common share 5.08 5.35 -5 4.87 4 Annualized return on average tangible assets 1.47 % 1.59 % 1.56 % Annualized return on average tangible common equity 17.29 18.57 17.13 Efficiency ratio 54.4 52.8 53.6 Tangible equity per common share $ 115.88 $ 117.41 -1 $ 115.31 (1) A reconciliation of non-GAAP measures is included in the tables that accompany this release.

SEC original ↗M&T Bank — Earnings release (8-K exhibit)EX-99Oct 16, 2026

Revenuequarter

2 %

3Q25 Trust and investment services income $ 230 $ 235 -2 % $ 217 6 % Mortgage banking revenues (1) 152 127 19 147 3 Service charges on deposit accounts 109 107 1 105 3 Card revenues 90 89 2 90 Letter of credit and credit-related fees 46 44 4 45 3 Capital markets and advisory revenues 32 41 -24 35 -8 Gain (loss) on bank investment securities (1) 2 1 Other revenues from operations (2) 85 95 -12 112 -25 Total $ 743 $ 740 $ 752 -1 (1) Supplemental information on mortgage banking activities is included in the accompanying table on page 17.

SEC original ↗M&T Bank — Earnings release (8-K exhibit)EX-99Oct 16, 2026

Other revenuequarter

$ 743

3Q25 Trust and investment services income $ 230 $ 235 -2 % $ 217 6 % Mortgage banking revenues (1) 152 127 19 147 3 Service charges on deposit accounts 109 107 1 105 3 Card revenues 90 89 2 90 Letter of credit and credit-related fees 46 44 4 45 3 Capital markets and advisory revenues 32 41 -24 35 -8 Gain (loss) on bank investment securities (1) 2 1 Other revenues from operations (2) 85 95 -12 112 -25 Total $ 743 $ 740 $ 752 -1 (1) Supplemental information on mortgage banking activities is included in the accompanying table on page 17.

SEC original ↗M&T Bank — Earnings release (8-K exhibit)EX-99Oct 16, 2026

Other revenues from operations decreased $27 million reflecting a $28 million distribution of an earnout payment from the Company's 2023 sale of its Collective Investment Trust ( CIT ) business and a $12 million gain on the sale of equipment leases each in the third quarter of 2025, partially offset by an $11 million higher distribution from M T's investment in BLG in the recent quarter.

SEC original ↗M&T Bank — Earnings release (8-K exhibit)EX-99Oct 16, 2026

YoY EPSquarter

5%

YoY Diluted EPS increased +5% YoY Net Charge-offs % Avg Loans decreased -7 bps YoY Notable items ($ in millions, except per share)

SEC original ↗M&T Bank — Presentation / slide deck (8-K exhibit)EX-99Oct 16, 2026

revenues decreased -$9 million reflecting a decline in loan syndication fees and lower revenues from interest rate swap transactions with commercial customers Other revenues from operations decreased -$10 million reflecting a lower distribution from M&T's investment in

SEC original ↗M&T Bank — Presentation / slide deck (8-K exhibit)EX-99Oct 16, 2026

revenues increased +$25 million reflecting a rise in residential mortgage loan sub-servicing income

SEC original ↗M&T Bank — Presentation / slide deck (8-K exhibit)EX-99Oct 16, 2026

AI analysis

Q2 2026 · reported Oct 16, 2026

Based on: Earnings release + Q2 2026 deck + parent 8-K + 10-Q — transcript not held

Net income · Q2 2026
$775M
EX-99 · Oct 16, 2026
Other revenue · Q2 2026
$ 743
EX-99 · Oct 16, 2026

Headline figures

MetricQ2 2026Prior qtrYear ago
Net income$775 million——
Net operating income5 %——
EPS1.47 %——
Revenue2 %——
Other revenue$ 743——
YoY EPS5%——

EX-99 · Oct 16, 2026

Guidance · company-stated

No guidance located in the held release

Next earningsNo verified date on fileNo date is estimated or imported

Capital allocation

Cash dividend$217M
Robust dividend17%

In the recent quarter, M T repurchased 1.3 million shares of its common stock at a total cost of $323 million.

General educational research only — not investment advice.Every figure is as stated in the held documents; values marked “computed from stated figures” are arithmetic on those stated figures. Guidance shown is the company’s own stated guidance. No price targets, no recommendations, no consensus estimates.

Event summary

M&T Bank — Earnings release (2026-10-16)

Based on: Earnings release + Q2 2026 deck + parent 8-K + 10-Q — transcript not held

Guidance & outlook

No guidance located in the held release

Capital allocation

In the recent quarter, M T repurchased 1.3 million shares of its common stock at a total cost of $323 million.

SEC original ↗M&T Bank — Earnings release (8-K exhibit)EX-99Oct 16, 2026

Cash dividends declared on M T's common and preferred stock totaled $217 million and $42 million, respectively, for the quarter ended September 30, 2026.

SEC original ↗M&T Bank — Earnings release (8-K exhibit)EX-99Oct 16, 2026

M T repurchased shares of its common stock at a cost of $323 million during the recent quarter, compared with $465 million and $409 million in the second quarter of 2026 and the third quarter of 2025, respectively.

SEC original ↗M&T Bank — Earnings release (8-K exhibit)EX-99Oct 16, 2026

Reflecting loan growth and share repurchase activity in the recent quarter and the impact of unrealized losses on investment securities available for sale included in accumulated other comprehensive income at September 30, 2026, M T's tangible common equity to tangible asset ratio at September 30, 2026 declined 22 basis points from June 30, 2026 and 94 basis points from September 30, 2025.

SEC original ↗M&T Bank — Earnings release (8-K exhibit)EX-99Oct 16, 2026

(3) Includes share repurchase excise tax.

SEC original ↗M&T Bank — Presentation / slide deck (8-K exhibit)EX-99Oct 16, 2026

Long term focused with deeply embedded culture Business operated to represent the best interests of all key stakeholders Energized colleagues consistently serving our customers and communities A safe haven for our clients as proven during turbulent times and crisis Experienced and seasoned management team Strong risk controls with long track record of credit outperformance through cycles Leading position in core markets 15-17% ROTCE(1) Robust dividend growth 8% TBV per share growth(2) Source: FactSet, S&P Global, Company Filings.

SEC original ↗M&T Bank — Presentation / slide deck (8-K exhibit)EX-99Oct 16, 2026

Strategy & priorities

Professional and other services rose $8 million reflecting support for enhancements to the Company's technology infrastructure and other enterprise initiatives.

SEC original ↗M&T Bank — Earnings release (8-K exhibit)EX-99Oct 16, 2026

Professional and other services increased $16 million reflecting support for enhancements to the Company's technology infrastructure and other enterprise initiatives and higher legal service costs.

SEC original ↗M&T Bank — Earnings release (8-K exhibit)EX-99Oct 16, 2026

QoQ Drivers Adjusted Efficiency 54.5%(1) Adjusted Efficiency 55.0%(1) Professional and other services rose +$8 million reflecting support for enhancements to the Company's technology infrastructure and other enterprise initiatives Other costs of operations increased +$6 million reflecting the Company's obligation under agreements to share in losses stemming from certain litigation of Visa, Inc.

SEC original ↗M&T Bank — Presentation / slide deck (8-K exhibit)EX-99Oct 16, 2026

Risks & headwinds

Other costs of operations increased $6 million reflecting the Company's obligation under agreements to share in losses stemming from certain litigation of Visa, Inc.

SEC original ↗M&T Bank — Earnings release (8-K exhibit)EX-99Oct 16, 2026

QoQ Drivers Adjusted Efficiency 54.5%(1) Adjusted Efficiency 55.0%(1) Professional and other services rose +$8 million reflecting support for enhancements to the Company's technology infrastructure and other enterprise initiatives Other costs of operations increased +$6 million reflecting the Company's obligation under agreements to share in losses stemming from certain litigation of Visa, Inc.

SEC original ↗M&T Bank — Presentation / slide deck (8-K exhibit)EX-99Oct 16, 2026

These statements are not guarantees of future performance and involve certain risks, uncertainties and assumptions which are difficult to predict and may cause actual outcomes to differ materially from what is expressed or forecasted.

SEC original ↗M&T Bank — Earnings release (8-K exhibit)EX-99Oct 16, 2026

M T provides further detail regarding these risks and uncertainties in its Form 10-K for the year ended December 31, 2025, including in the Risk Factors section of such report, as well as in other SEC filings.

SEC original ↗M&T Bank — Earnings release (8-K exhibit)EX-99Oct 16, 2026

M&T provides further detail regarding these risks and uncertainties in its Form 10-K for the year ended December 31, 2025, including in the Risk Factors section of such report, as well as in other SEC filings.

SEC original ↗M&T Bank — Presentation / slide deck (8-K exhibit)EX-99Oct 16, 2026

Legal Proceedings 88 Item 1A.

SEC original ↗M&T Bank — 10-Q Quarterly report10-QAug 4, 2026

Documents

Earnings deck slides

0 decks with slide view

M&T Bank — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

M&T Bank — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

M&T Bank — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

M&T Bank — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

M&T Bank — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

M&T Bank — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

M&T Bank — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

M&T Bank — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

M&T Bank — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

M&T Bank — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

M&T Bank — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

M&T Bank — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

M&T Bank — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

M&T Bank — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

M&T Bank — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

M&T Bank — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

M&T Bank — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

M&T Bank — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Competitors

Competitors & peers

Same GICS sector — classification peers, not declared competitors

Arthur J. Gallagher & Co. (AJG) FinancialsSun Life Financial (SLF) FinancialsRaymond James Financial (RJF) FinancialsAflac (AFL) FinancialsING Group (ING) FinancialsNorthern Trust (NTRS) FinancialsCincinnati Financial (CINF) FinancialsCoinbase (COIN) Financials

Filings

60 documents

Earnings releases

5 documents

Presentations

18 documents

Transcripts

0 documents

No transcripts for M&T Bank are held in this edition of the library.

Mentioned by

7 companies

Other tracked companies whose held documents mention M&T Bank by name or ticker. A mention is counted once per document, from the document text the library holds.

See also the earnings calendar for every tracked company’s next earnings date.