M&T Bank's results for Q3 2026 (ended Sep 30, 2026) come from the company's own earnings release, filed with the SEC on 2026-10-16. Everything below is taken from that filing; quotes are copied exactly. Company outlooks are the company's own.
At a glance
| Item | Value |
|---|---|
| Revenue (GAAP) | $2,536 million (+0.9% vs a year earlier) |
| Diluted EPS (GAAP) | $5.04 |
| Adjusted per-share figure (company's non-GAAP measure; FFO/AFFO for REITs) | $5.08 |
| Full-year guidance | Next quarter only |
Guidance
M&T's 4Q26 outlook: taxable-equivalent net interest income $1.83–$1.85 billion, fee income $710–$730 million, expenses $1.39–$1.41 billion.
Why this label: Only a 4Q26 outlook (NII, fee income, expense) in the EX-99.2 presentation; no full-year figures; EX-99.1 has no outlook.
Next-quarter outlook:
| Metric | Period | Range |
|---|---|---|
| net interest income (taxable-equivalent) | 4Q26 | $1.83–$1.85 billion |
| fee income | 4Q26 | $710–$730 million |
| GAAP expense (incl. intangible amortization) | 4Q26 | $1.39–$1.41 billion |
| net charge-offs % of average loans | 4Q26 | 35–40 basis points |
| average loans (incl. HFS) | 4Q26 | $145–$146 billion |
| average deposits | 4Q26 | $169–$170 billion |
| CET1 capital ratio | 4Q26 | 10.0%–10.25% |
From the release
Revenue: "Revenues $2,536 $2,532 $2,513"
Earnings per share: "reports quarterly net income of $775 million or $5.04 of diluted earnings per common share."
Key fact: Q3 diluted EPS rose to $5.04 from $4.82; average loans grew 5% year over year.
Source
M&T Bank earnings release (SEC filing), accession 0000036270-26-000057, filed 2026-10-16.
Part of the Q3 2026 Guidance Tracker. Educational only, not advice. Free weekly recap every Sunday: yieldterminalpro.com/newsletter.