Core Viewpoint - M&T Bank Corporation (MTB) is expected to report year-over-year increases in quarterly revenues and earnings for Q4 and full-year 2025 results on January 16, 2026 [1][10] Financial Performance Expectations - The company anticipates average loan and lease balances to be between $137 billion and $138 billion in Q4 2025, up from $136.5 billion in Q3 2025 [4] - The Zacks Consensus Estimate for average interest-earning assets is $192.3 billion, indicating a nearly 1% increase from the previous quarter [4] - Net interest income (NII) is expected to be approximately $1.8 billion in Q4 2025, reflecting a 2.2% increase from the prior quarter [6] - The consensus estimate for total revenues is pegged at $2.46 billion, implying a rise of 3.3% from the year-ago level [15] Income Sources - Fee income from service charges on deposit accounts is expected to rise, with the Zacks Consensus Estimate at $148.1 million, indicating a 5.1% increase from the prior quarter [7] - Mortgage banking revenues are estimated at $149.8 million, reflecting a 1.9% rise from the previous quarter, supported by lower mortgage rates [9] - Non-interest income is projected to be between $670 million and $690 million, down from $752 million in Q3 2025, with a consensus estimate of $679.2 million indicating a 9.7% decline [11] Expense and Asset Quality Outlook - GAAP expenses are expected to be in the range of $1.35 billion to $1.37 billion in Q4 2025, compared to $1.36 billion in the prior quarter [12] - The net charge-off (NCO) rate is projected to be between 40 and 50 basis points, slightly lower than the 42 basis points reported in Q3 2025 [13] - The Zacks Consensus Estimate for non-performing assets (NPAs) is $1.51 billion, indicating a sequential decline of 2.3% [13] 2025 Projections - For 2025, M&T Bank expects NII (on a tax-equivalent basis) to be in the range of $7.05 billion to $7.15 billion, with a net interest margin projected in the mid to high 3.60% range [16] - Non-interest income is anticipated to be between $2.5 billion and $2.6 billion, while expenses are expected to be in the range of $5.4 billion to $5.5 billion [16] - Average loan and lease balances are projected to be between $135 billion and $137 billion, with average total deposit balances expected at $162 billion to $164 billion [17]

Core Viewpoint - Huntington Bancshares Incorporated (HBAN) is expected to report an increase in third-quarter 2025 revenues and earnings year over year, driven by improvements in net interest income (NII) and average loan and deposit balances, despite challenges from rising non-interest expenses and declining fee income [1][10]. Group 1: Earnings and Revenue Expectations - The Zacks Consensus Estimate for NII is projected at $1.47 billion, reflecting an 8.7% increase from the previous year [3]. - The consensus estimate for total revenues is pegged at $2.1 billion, indicating an 8.9% year-over-year increase [15]. - The consensus estimate for earnings per share stands at 38 cents, suggesting a 15.2% rise from the year-ago figure [15]. Group 2: Loan and Asset Growth - Strong demand for commercial and industrial loans, as well as consumer loans, is anticipated to support average interest-earning asset growth, with the Zacks Consensus Estimate for average total earnings assets at $191.9 billion, a 5.6% rise from the prior year [4]. - The Zacks Consensus Estimate for total non-accrual loans is $795 million, indicating a 7.7% increase year over year [13]. Group 3: Non-Interest Income and Expenses - Mortgage banking income is estimated at $30.2 million, reflecting a 20.5% decline from the previous year due to stable mortgage rates and limited refinancing activities [6][5]. - The total non-interest income is expected to reach $555.2 million, indicating a 6.2% increase from the year-ago level [11]. - Higher expenses from data processing, marketing, and branch expansion are anticipated to impact overall costs, despite some efficiency initiatives [11][12]. Group 4: Market Conditions and M&A Activity - Global mergers and acquisitions rebounded in Q3 2025, positively influencing capital markets and advisory fees, which are estimated at $93.7 million, a 20.1% year-over-year increase [7][8]. - Wealth and asset management revenues are projected at $103.5 million, suggesting an 11.3% increase from the prior year [8].