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Sentiment · FY2026 Q2
What companies say about each other on earnings calls — extracted verbatim from public transcripts. Mentions from the newest quarter are a Pro feature.
“I think we actually gave an example of that at our Investor Day with M&T Bank.”
M&T Bank cited as a client example of the Axiom-to-Calypso data connector easing regulatory-reporting implementation.
“assuming C&I loan growth continues to be strong, which is what we saw out of P&C yesterday, M&T same thing.”
An analyst cites M&T Bank's C&I loan growth as a second peer benchmark alongside PNC, supporting expectations for similarly strong commercial loan trends at U.S. Bancorp.
“some of the clients that we've mentioned in the past are things like JPMorgan Chase. You've got M&T Bank. [Indiscernible] is going to start going live through some of their channels as well. Citizens Bank, Webster Bank, and then just go on down the list.”
M&T Bank is among the large mortgage-tech customers going live on ICE's platform in 2025 after a multi-year implementation.
“our partner EY over three years”
EY served as M&T's implementation partner on a three-year general ledger modernization that just went live, a completed multi-year engagement win for EY.
“Fund banking and capital call lines is a business we acquired from Webster.”
M&T acquired its fund banking / capital call lines business from Webster and has been right-sizing it, implying Webster divested that portfolio.
| Analyst | Firm | Questions (Challenge)Percentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|
| Manan Gosalia | Morgan Stanley | 13 (0%) |
| John Pancari | Evercore ISI | 13 (8%) |
| Gerard Cassidy | RBC Capital Markets |
“Fannie Mae actually had a special program called pilot, where they were targeting these customers. They have now discontinued that program and, you know, we are just, you know, basically sharing the losses with the agency on this transaction.”
M&T's MTRCC subsidiary sells CRE loans to Fannie Mae under a shared-risk DUS structure; Fannie Mae's now-discontinued 'pilot' program targeting manufactured-housing borrowers drove a portion of this quarter's unexpected MTRCC losses.
“So we just wrapped the PNC call, and I had asked Bill about the argument that they need more scale. And, you know, the comment was competing against the mega banks in order to drive retail deposit growth.”
An analyst references PNC's own earnings call, where PNC argued it needs more scale to compete with mega banks for retail deposit growth, used as a comparison point against M&T's smaller, community-focused model.
“Yes. So you are right, Bayview, we did not get a distribution in the first quarter. We kind of took it out for the rest of the year. We may or may not get a distribution from Bayview. They're working on some things internally. So we will do.”
M&T did not receive its expected fee distribution from mortgage-servicing partner Bayview in Q1 and is uncertain whether one will come later in the year, as Bayview works through internal issues.
“We have a relationship now with Blackstone, and it's connected to our RCC business so that Blackstone can originate and actually do placements through the agencies now.”
M&T Bank formed a partnership with Blackstone connected to its commercial real estate (RCC) business, allowing Blackstone to originate and place loans through the agencies, a growing source of fee income for M&T.
| 13 (0%) |
| Ken Usdin | Autonomous Research | 12 (0%) |
| Erika Najarian | UBS | 10 (0%) |
| Matt O'Connor | Deutsche Bank | 10 (10%) |
| Ebrahim Poonawala | Bank of America | 10 (0%) |
| Chris McGratty | KBW | 9 (0%) |
| Will Carcache | Wolfe Research | 4 (0%) |
| Peter Winter | D.A. Davidson | 4 (0%) |
| Firm | Analysts | Questions (Challenge)Percentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|
| RBC Capital Markets | 1 | 13 (0%) |
| Evercore ISI | 1 | 13 (8%) |
| Morgan Stanley | 1 | 13 (0%) |
| Autonomous Research | 1 | 12 (0%) |
| Deutsche Bank | 2 | 12 (8%) |
| Bank of America | 1 | 10 (0%) |
| UBS | 1 | 10 (0%) |
| KBW | 1 | 9 (0%) |
M&T Bank delivered GAAP EPS of $4.13 with NIM expanding 2 basis points to 3.71% as fixed-rate asset repricing continued, while fee income grew 13% year-over-year with broad-based strength and C&I growth reached $1.5 billion driven by middle market utilization pickup. Management reiterated FY2026 NII guidance of $7.2-7.35 billion unchanged, executing $1.25 billion in share repurchases representing 3.5% of shares outstanding as CET1 moved toward the bottom of the 10-10.5% target range.
Demand | Credit | Margin | Capital Allocation | Revenue Growth | Competitive Dynamics | Regulation Policy | Cost Pressure | |
|---|---|---|---|---|---|---|---|---|
| 2024Q4 | 3 | 4 | 4 | 2 | 3 | 1 | 1 | 1 |
| 2025Q1 | 4 | 6 | 3 | 2 | 1 | 1 | 1 | |
| 2025Q2 | 10 | 5 | 5 | 4 | 1 | 7 | 3 | 1 |
| 2025Q3 | 4 | 9 | 4 | 2 | 1 | 4 | 4 | 3 |
| 2025Q4 | 8 | 3 | 5 | 5 | 6 | 2 | 1 | 1 |
| 2026Q1 | 6 | 2 | 5 | 5 | 1 | 4 | 3 | 1 |
| 2026Q2 | 4 | 2 | 4 | 4 | 7 | 1 | 4 |
| '24Q4 | '25Q1 | '25Q2 | '25Q3 | '25Q4 | '26Q1 | '26Q2 | |
|---|---|---|---|---|---|---|---|
| Demand | 3 | 4 | 10 | 4 | 8 | 6 | 4 |
| Credit | 4 | 6 | 5 | 9 | 3 | 2 | 2 |
| Margin | 4 | 3 | 5 | 4 | 5 | 5 | 4 |
| Capital Allocation | 2 | 2 | 4 | 2 | 5 | 5 | 4 |
| Revenue Growth | 3 | 1 | 1 | 1 | 6 | 1 | 7 |
| Competitive Dynamics | 1 | 1 | 7 | 4 | 2 | 4 | |
| Regulation Policy | 1 | 1 | 3 | 4 | 1 | 3 | 1 |
| Cost Pressure | 1 | 1 | 3 | 1 | 1 | 4 |
| Company | Score | Trend | Rev YoY |
|---|---|---|---|
MTB M&T Bank | 7 | +2.1% | |
| CFG Citizens Financial Group | 9 | +6.3% | |
| FITB Fifth Third Bancorp | 8 | +38.0% | |
| HBAN Huntington Bancshares | 7 | +26.3% | |
| KEY KeyCorp | 9 | +1.1% | |
| PNC PNC Financial Services | 9 | +21.4% | |
| RF Regions Financial Corporation | 5 | -2.1% | |
| TFC Truist Financial | 6 | +0.8% | |
| USB U.S. Bancorp | 9 | +3.8% |