M MTB

M & T Bank Corp

BANKS - REGIONAL · FINANCIAL SERVICES

M&T Bank Corporation, headquartered in Buffalo, New York, is a distinguished bank holding company with a heritage exceeding 150 years. The institution provides a wide array of financial services, including commercial and retail banking, mortgage solutions, and wealth management, strategically concen...

$219.50

+1.85% (+$3.99)

Volume 1.16M

52W High $239.00

52W Low $150.75

Market Cap $26.05B

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What to Watch This Quarter

Based on historical data

Consensus EPS

$4.03

Whisper EPS

$4.18

3.7% above consensus

Last Quarter

$4.67

Current Streak

3 Beats

Avg Surprise (4Q)

+4.31%

Next Earnings Report

Reports in 39 days

Report Date Apr 13, 2026

Whisper Spread +3.68%

Consensus Estimate

$4.03

Official analyst average

Whisper Number

$4.18

What traders expect

Bullish Sentiment: The whisper number is 3.7% above consensus, suggesting traders expect a strong beat. The stock may be priced for upside surprise.

Price Chart

EPS History: Consensus vs Actual

Last 12 quarters

Price Movement Around Earnings

Q4 2025 Jan 16, 2026

5-Day: +3.24%

Q3 2025 Oct 16, 2025

1-Day: +1.14%

5-Day: +1.72%

Q2 2025 Jul 16, 2025

1-Day: +1.60%

5-Day: +1.44%

Q1 2025 Apr 14, 2025

1-Day: +0.69%

Revenue & Financial Performance

Revenue Whisper

$3.44B

TWN Proprietary Estimate

Last Quarter Revenue

$3.33B

-0.2% YoY

Gross Margin

70.5%

Net Margin: 22.8%

Quarter	Revenue	YoY Growth	Gross Margin	Op Margin	Net Income
Q4'25	$3.33B	-0.2%	70.5%	29.1%	$759.0M
Q3'25	$2.51B	-25.9%	95.0%	40.8%	$792.0M
Q2'25	$3.29B	-2.4%	69.0%	28.4%	$716.0M
Q1'25	$3.17B	-3.9%	68.6%	24.0%	$584.0M
Q4'24	$3.34B	+1.3%	66.5%	26.4%	$681.0M
Q3'24	$3.39B	+5.9%	65.2%	26.8%	$721.0M
Q2'24	$3.37B	+1.6%	63.8%	25.4%	$655.0M
Q1'24	$3.30B	+14.0%	61.7%	20.1%	$531.0M

Historical Earnings

Last 12 quarters

Quarter	Date	Consensus	Whisper	Actual EPS	Surprise %	Result
Q4 2025	Jan 16, 2026	$4.48	$4.62	$4.67	+4.24%	Beat
Q3 2025	Oct 16, 2025	$4.39	$4.52	$4.81	+9.60%	Beat
Q2 2025	Jul 16, 2025	$4.01	$4.18	$4.24	+5.74%	Beat
Q1 2025	Apr 14, 2025	$3.40	$3.63	$3.32	-2.35%	Missed
Q4 2024	Jan 16, 2025	$3.74	$3.99	$3.77	+0.80%	Missed
Q3 2024	Oct 17, 2024	$3.62	$3.80	$4.03	+11.33%	Beat
Q2 2024	Jul 18, 2024	$3.50	$3.77	$3.73	+6.57%	Missed
Q1 2024	Apr 15, 2024	$3.08	$3.25	$3.86	+25.32%	Beat
Q4 2023	Jan 18, 2024	$3.45	$3.61	$3.61	+4.64%	Met
Q3 2023	Oct 18, 2023	$3.93	$4.02	$3.98	+1.27%	Met
Q2 2023	Jul 19, 2023	$4.04	$3.78	$5.05	+25.00%	Beat
Q1 2023	Apr 17, 2023	$3.99	$3.83	$4.01	+0.50%	Beat