What You Need To Know Ahead of M&T Bank's Earnings Release

Company Overview - M&T Bank Corporation (MTB) has a market capitalization of $31.3 billion and operates as a bank holding company for Manufacturers and Traders Trust Company and Wilmington Trust, National Association, providing a variety of banking products and services across several U.S. states and the District of Columbia [1] Earnings Expectations - M&T Bank is expected to announce its fiscal Q3 2025 results on October 16, with analysts predicting an adjusted EPS of $4.39, representing a 7.6% increase from $4.08 in the same quarter last year [2] - For fiscal 2025, analysts forecast an adjusted EPS of $16.50, which is a 10.9% increase from $14.88 in fiscal 2024, and anticipate further growth to $18.75 in fiscal 2026, reflecting a year-over-year increase of 13.6% [3] Stock Performance - Over the past 52 weeks, M&T Bank shares have increased by 12.7%, which is lower than the S&P 500 Index's gain of 16.3% and the Financial Select Sector SPDR Fund's return of 19.3% [4] Recent Financial Results - In Q2 2025, M&T Bank reported an adjusted EPS of $4.28, exceeding expectations; however, shares fell by 2.4% following the announcement due to a decline in net interest income to $1.72 billion and a drop in deposits to $164.5 billion, alongside rising expenses of $1.34 billion and ongoing margin pressures [5] Analyst Ratings - The consensus rating for M&T Bank stock is "Moderate Buy," with 11 out of 22 analysts recommending "Strong Buy," 2 suggesting "Moderate Buy," 8 indicating "Hold," and 1 advising "Strong Sell." The average price target is $221.33, suggesting a potential upside of 12.5% from current levels [6]