MTB
M&T BANK CORP
Overview
M&T Bank Corp operates as a commercial bank providing deposit accounts, lending services, and investment products to individual and business customers across its branch network and digital channels.
M&T BANK CORP is a Financial Services company operating in Banks - Regional with a $32.97B market cap.
Most recent reported earnings: Q4 FY2026 (Jan 18, 2027).
21 earnings calls indexed on Spoken Alpha.
Behavioral analysis
Management language signature
Disclosures
Investor Relations
Extracted from Unknown source, 2026-06-21.
Transcripts
Recent earnings calls
Most recent calls indexed for this ticker. Open any call to drill into prepared remarks and Q&A.
- Q1 FY2026Earnings2026-04-1525 Q&A exchanges
- Q4 FY2025Earnings2026-01-1640 Q&A exchanges
- Q3 FY2025Earnings2025-10-1638 Q&A exchanges
- Q2 FY2025Earnings2025-07-1641 Q&A exchanges
- Q1 FY2025Earnings2025-04-1432 Q&A exchanges
- Q4 FY2024Earnings2025-01-1621 Q&A exchanges
- Q3 FY2024Earnings2024-10-1736 Q&A exchanges
- Q2 FY2024Earnings2024-07-1834 Q&A exchanges
- Q1 FY2024Earnings2024-04-1545 Q&A exchanges
- Q4 FY2023Earnings2024-01-1843 Q&A exchanges
- Q3 FY2023Earnings2023-10-1830 Q&A exchanges
- Q2 FY2023Earnings2023-07-1944 Q&A exchanges
- Q1 FY2023Earnings2023-04-1727 Q&A exchanges
- Q4 FY2022Earnings2023-01-1924 Q&A exchanges
- Q3 FY2022Earnings2022-10-1924 Q&A exchanges
- Q2 FY2022Earnings2022-07-2027 Q&A exchanges
- Q1 FY2022Earnings2022-04-2025 Q&A exchanges
- Q4 FY2021Earnings2022-01-2026 Q&A exchanges
- Q3 FY2021Earnings2021-10-2020 Q&A exchanges
- Q2 FY2021Earnings2021-07-2123 Q&A exchanges
- Q1 FY2021Earnings2021-04-1933 Q&A exchanges
History
Earnings history
- Q4 FY20262027-01-18EPS— vs ——Rev— vs ——EODHD
- Q3 FY20262026-10-15EPS— vs ——Rev— vs ——EODHD
- Q2 FY20262026-07-14EPS— vs $4.65—Rev— vs ——EODHD
- Q1 FY20262026-04-14EPS$4.13 vs $4.00+3.3%Rev$3.23B vs ——EODHD
- Q4 FY20252026-01-15EPS$4.67 vs $4.48+4.2%Rev$3.33B vs ——EODHD
- Q3 FY20252025-10-15EPS$4.81 vs $4.39+9.6%Rev$2.51B vs ——EODHD
- Q2 FY20252025-07-15EPS$4.24 vs $4.01+5.7%Rev$3.29B vs ——EODHD
- Q1 FY20252025-04-13EPS$3.32 vs $3.40-2.4%Rev$3.17B vs ——EODHD
- Q4 FY20242025-01-15EPS$3.77 vs $3.74+0.8%Rev$3.34B vs ——EODHD
- Q3 FY20242024-10-16EPS$4.03 vs $3.62+11.3%Rev$3.39B vs ——EODHD
- Q2 FY20242024-07-17EPS$3.73 vs $3.50+6.6%Rev$3.37B vs ——EODHD
- Q1 FY20242024-04-14EPS$3.86 vs $3.08+25.3%Rev$3.30B vs ——EODHD
- Q4 FY20232024-01-17EPS$3.61 vs $3.45+4.6%Rev$3.30B vs ——EODHD
- Q3 FY20232023-10-17EPS$3.98 vs $3.93+1.3%Rev$3.20B vs ——EODHD
- Q2 FY20232023-07-18EPS$5.05 vs $4.04+25.0%Rev$3.32B vs ——EODHD
- Q1 FY20232023-04-16EPS$4.01 vs $3.99+0.5%Rev$2.89B vs ——EODHD
- Q4 FY20222023-01-18EPS$4.29 vs $4.30-0.2%Rev$2.75B vs ——EODHD
- Q3 FY20222022-10-18EPS$3.53 vs $4.04-12.6%Rev$2.34B vs ——EODHD
- Q2 FY20222022-07-19EPS$1.08 vs $2.44-55.7%Rev$2.04B vs ——EODHD
- Q1 FY20222022-04-19EPS$2.62 vs $2.19+19.6%Rev$1.47B vs ——EODHD
| Period | Reported | EPS actual | EPS consensus | EPS surprise | Revenue actual | Revenue consensus | Rev. surprise | Source |
|---|---|---|---|---|---|---|---|---|
| Q4 FY2026 | 2027-01-18 | — | — | — | — | — | — | EODHD |
| Q3 FY2026 | 2026-10-15 | — | — | — | — | — | — | EODHD |
| Q2 FY2026 | 2026-07-14 | — | $4.65 | — | — | — | — | EODHD |
| Q1 FY2026 | 2026-04-14 | $4.13 | $4.00 | +3.3% | $3.23B | — | — | EODHD |
| Q4 FY2025 | 2026-01-15 | $4.67 | $4.48 | +4.2% | $3.33B | — | — | EODHD |
| Q3 FY2025 | 2025-10-15 | $4.81 | $4.39 | +9.6% | $2.51B | — | — | EODHD |
| Q2 FY2025 | 2025-07-15 | $4.24 | $4.01 | +5.7% | $3.29B | — | — | EODHD |
| Q1 FY2025 | 2025-04-13 | $3.32 | $3.40 | -2.4% | $3.17B | — | — | EODHD |
| Q4 FY2024 | 2025-01-15 | $3.77 | $3.74 | +0.8% | $3.34B | — | — | EODHD |
| Q3 FY2024 | 2024-10-16 | $4.03 | $3.62 | +11.3% | $3.39B | — | — | EODHD |
| Q2 FY2024 | 2024-07-17 | $3.73 | $3.50 | +6.6% | $3.37B | — | — | EODHD |
| Q1 FY2024 | 2024-04-14 | $3.86 | $3.08 | +25.3% | $3.30B | — | — | EODHD |
| Q4 FY2023 | 2024-01-17 | $3.61 | $3.45 | +4.6% | $3.30B | — | — | EODHD |
| Q3 FY2023 | 2023-10-17 | $3.98 | $3.93 | +1.3% | $3.20B | — | — | EODHD |
| Q2 FY2023 | 2023-07-18 | $5.05 | $4.04 | +25.0% | $3.32B | — | — | EODHD |
| Q1 FY2023 | 2023-04-16 | $4.01 | $3.99 | +0.5% | $2.89B | — | — | EODHD |
| Q4 FY2022 | 2023-01-18 | $4.29 | $4.30 | -0.2% | $2.75B | — | — | EODHD |
| Q3 FY2022 | 2022-10-18 | $3.53 | $4.04 | -12.6% | $2.34B | — | — | EODHD |
| Q2 FY2022 | 2022-07-19 | $1.08 | $2.44 | -55.7% | $2.04B | — | — | EODHD |
| Q1 FY2022 | 2022-04-19 | $2.62 | $2.19 | +19.6% | $1.47B | — | — | EODHD |
Source: EODHD. MTB reported actuals as published; sparse fields render as —.
Track Record
SampleSpoken Alpha tracks MTB's historical accountability: how often management beat consensus, how the stock reacted, and how guidance evolved across the cycle. The figures below are illustrative placeholder data generated for layout — they will be replaced with real deviation metrics, True Consensus values, and EODHD price reactions as those data layers land.
Beats consensus 10/10 quarters with 70% positive reaction rate
SampleConsistent execution against consensus with the stock following through is the cleanest signal a guidance regime is calibrated. Worth watching for the inflection where execution deteriorates relative to the bar.
Raised guidance 8 quarters in a row
SampleConsecutive raises tighten the bar quarter over quarter. Watch the most recent print for the magnitude of the beat — a smaller beat against a higher bar is the early signal that the regime is breaking.
Quarterly beats & misses
Sample| Quarter | Actual EPS | Consensus | Surprise | 1D | 5D |
|---|---|---|---|---|---|
| Q1 FY2026 | $2.19 | $1.58 | +38.7% | -2.1% | -3.0% |
| Q4 FY2026 | $2.27 | $1.65 | +37.8% | +3.3% | +3.9% |
| Q3 FY2026 | $2.34 | $1.78 | +31.7% | +1.3% | +3.5% |
| Q2 FY2026 | $2.39 | $1.73 | +38.2% | +1.8% | +1.3% |
| Q1 FY2025 | $2.35 | $1.69 | +39.0% | -0.2% | +2.5% |
| Q4 FY2025 | $2.69 | $1.84 | +46.1% | +7.0% | +8.4% |
| Q3 FY2025 | $2.75 | $1.90 | +44.5% | +2.5% | -0.4% |
| Q2 FY2025 | $2.52 | $1.71 | +47.1% | -1.9% | +0.1% |
| Q1 FY2024 | $2.71 | $1.91 | +41.9% | +5.3% | +5.5% |
| Q4 FY2024 | $2.35 | $1.75 | +34.0% | +8.9% | +8.3% |
Guidance change history
Sample- Q1 FY2026Raised2026-04-15
- Q4 FY2026Raised2026-13-15
- Q3 FY2026Raised2026-10-15
- Q2 FY2026Raised2026-07-15
- Q1 FY2025Raised2025-04-15
- Q4 FY2025Raised2025-13-15
- Q3 FY2025Raised2025-10-15
- Q2 FY2025Raised2025-07-15
Top executives
SampleSpoken Alpha builds an accountability record per executive — how the person's own guidance, language, and reactions have evolved across every call they've appeared on. The one-liners below are illustrative placeholder data pending the deviation v1 work. Click any name for the full role timeline and call appearance history.
- Rene F JonesCEO5 mo2 callsCurrentSample
CEO since 2026 • 1/2 beats (50%) • last guidance cut Q2 FY2026
- Daryl N BibleCFO5 mo12 callsCurrentSample
CFO since 2026 • 1/2 beats (50%) • last call held guidance Q2 FY2026
- Laura P O'HaraSr. EVP & Chief Legal Officer5 mono recorded callsCurrentSample
OTHER_C_SUITE since 2026 • 1/2 beats (50%) • last call held guidance Q2 FY2026
- Julianne UrbanSr. EVP & Chief Auditor5 mono recorded callsCurrentSample
DIVISION_HEAD since 2026 • 1/2 beats (50%) • guidance suspended Q2 FY2026
- John A TaylorEVP and Controller5 mo1 callCurrentSample
DIVISION_HEAD since 2026 • 1/2 beats (50%) • guidance suspended Q2 FY2026
- Michael A WislerSr. Executive Vice President5 mono recorded callsCurrentSample
OTHER since 2026 • 1/2 beats (50%) • last guidance cut Q1 FY2026
Peers
Other companies in Financial Services
Sector peers tracked by Spoken Alpha. Each links to the same machine-readable IR surface — earnings calls, executives, and accountability scores.
API
For developers and AI agents
The same data on this page is available as a machine-readable feed via the Spoken Alpha API. One call returns the IR URL, recent transcripts, and accountability scores for MTB.
$ curl https://api.spokenalpha.com/v1/companies/MTBFAQ
Frequently asked about MTB
Where can I find M&T BANK CORP's (MTB) earnings call transcripts?
Spoken Alpha indexes MTB's earnings call transcripts at https://spokenalpha.com/companies/MTB. Each call links to attributed speakers and parsed analyst Q&A. M&T BANK CORP's own investor relations page is at https://ir.mtb.com/.
When was M&T BANK CORP's most recent earnings call?
M&T BANK CORP (MTB) held its most recent earnings call on 2026-04-15, covering fiscal Q1 2026.
What sector is MTB in?
M&T BANK CORP (MTB) operates in the Financial Services sector (Banks - Regional industry).