First Horizon Corporation operates as the bank holding company for First Horizon Bank that provides various financial services. The company operates through Regional Banking and Specialty Banking segments. It offers general banking services for consumers, businesses, financial institutions, and governments. The company also accepts deposits; provides underwriting services for bank-eligible securities and other fixed-income securities by financial subsidiaries; sells loans and derivatives; financial planning; and offers investment and financial advisory services. In addition, it offers mortgage banking; loan syndications; brokerage services; commercial and business banking for business enterprises, consumer banking, and private client and wealth management services; capital markets, professional commercial real estate, mortgage warehouse and asset-based lending, franchise and equipment finance, tax credit finance, energy and healthcare finance, asset management, and corporate and correspondent banking services. Further, the company provides transaction processing services including check clearing services and remittance processing, credit cards, investment, and sale of mutual fund and retail insurances, as well as trust, fiduciary, and agency services. First Horizon Corporation was founded in 1864 and is headquartered in Memphis, Tennessee.

First Horizon выглядит как качественный региональный банк, но рынок уже оценил часть улучшений в цене. По мультипликаторам картина неоднозначная: P/E, P/S и P/B выше медианы отрасли, а особенно заметно завышен P/FCF, что ограничивает потенциал дальнейшего переоценивания. При этом долговая нагрузка выглядит комфортно: debt/equity существенно ниже отраслевой медианы, а long-term debt умеренный, что снижает финансовые риски. Операционная эффективность в целом улучшается: net profit margin и operating margin растут по годам и находятся выше медианы, что поддерживает качество прибыли. ROE и ROA находятся около отраслевых уровней, а ROI заметно лучше медианы и также демонстрирует восходящий тренд, что является сильным сигналом для оценки. Слабее выглядит return on tangible equity, который ниже медианы, а quick ratio формально нулевой, что для банка не является критичным, но не добавляет баллов к консервативной оценке. EPS и прогноз EPS ниже медианы, и это важный сдерживающий фактор, потому что при текущих мультипликаторах инвестор платит не за выдающийся рост прибыли, а за уже достигнутое улучшение качества. Выручка, чистая прибыль и операционная прибыль растут по годам, а cash on hand остаётся высоким, что подтверждает устойчивость бизнеса. Собственный капитал и активы в целом стабильны, без признаков ухудшения баланса, а дивидендная доходность остаётся положительной, но не настолько высокой, чтобы компенсировать премию в оценке. В сумме фундаментал скорее поддерживает текущую цену, чем оправдывает заметный апсайд от уже заданного прогноза. Поэтому целесообразна умеренная консервативная корректировка вниз, отражающая премиальные мультипликаторы и отсутствие сильного превосходства по прибыли на акцию.

First Horizon Corporation

У FHN сильные маржи и низкая долговая нагрузка, но оценка уже премиальная, а EPS и P/FCF сдерживают потенциал дальнейшего роста.

Huntington Bancshares Incorporated HBAN reported first-quarter 2026 adjusted earnings per share (EPS) of 37 cents, which surpassed the Zacks Consensus Estimate of 36 cents. In the prior-year quarter, the company reported EPS of 34 cents.
Shares of HBAN gained nearly 1.2% in the early trading session on better-than-expected results. A full day’s trading session will provide a clearer picture.
Results reflected improvements in net interest income (NII) and non-interest income. Also, an increase in loan and deposit balances was a tailwind. However, an increase in non-interest expenses and higher provisions acted as a spoilsport.
The result excluded 12 cents per share of the after-tax impact of notable Items. After considering this, the net income attributable to common shareholders (GAAP basis) was $523 million in the quarter, which decreased from $527 million reported in the prior-year quarter.
HBAN’s Revenues & Expenses Increase
Total quarterly revenues (on a fully taxable-equivalent or FTE basis) increased 34% year over year to $2.59 billion in the first quarter. The top line missed the Zacks Consensus Estimate of $2.60 billion.
NII (FTE basis) was $1.91 billion, up 33% from the prior-year quarter’s tally. The increase was primarily driven by higher average earning assets and an expansion in net interest margin (NIM). NIM rose 14 basis points year over year to 3.24%.
Non-interest income climbed 38% year over year to $682 million. The upside was driven by a rise in almost all the components of non-interest income except leasing revenue.
Non-interest expenses surged 54% year over year to $1.77 billion. The rise was mainly due to an increase in almost all cost components, except deposit and other insurance expenses and lease financing equipment depreciation.
The efficiency ratio was 67.2%, up from 58.9% in the year-ago quarter. An increase in the efficiency ratio indicates lower profitability.
HBAN’s Loans and Deposits Increase
As of March 31, 2026, average loans and leases at Huntington rose 19% sequentially to $174.2 billion. Average total deposits increased 18% sequentially to $204.6 billion.
HBAN’s Credit Quality Deteriorates
Net charge-offs were $111 million, up from $86 million reported in the prior-year quarter. The quarter-end allowance for credit losses increased to $3.37 billion from $2.48 billion in the prior-year quarter. Total non-performing assets were $1.36 billion as of March 31, 2026, up from $804 million in the prior-year quarter.
Net charge-offs/average total loans and leases were 0.26%, unchanged year over year.
In the first quarter, the company recorded a provision for credit losses of $158 million, which increased 37% from the year-ago quarter.
HBAN’s Capital Ratios: Mixed Bag
The common equity tier 1 (CET1) risk-based capital ratio was 10.2% in the first quarter, down from 10.6% in the year-ago period.
The regulatory Tier 1 risk-based capital ratio was 11.6%, down from 11.9% in the comparable period in 2025.
The tangible common equity to tangible assets ratio was 7.0%, up from 6.3% in the year-ago quarter.
HBAN’s Share Repurchase Update
During the first quarter, Huntington repurchased $150 million of common shares. Additionally, the company’s board approved a new $3 billion share repurchase authorization, replacing the prior program.
HBAN’s Recent Developments
In February 2026, Huntington completed its previously announced $7.4 billion all-stock acquisition of Cadence Bank, expanding its presence across 21 states and strengthening its scale in Texas and other high-growth markets in the southern United States. The deal also positions HBAN as the eighth-largest bank in Texas and the leading bank in Mississippi by deposit market share.
Following the completion, Cadence’s 390 branches expanded Huntington’s network to nearly 1,400 locations across 21 states, spanning the Midwest, Texas and the South. Further, Cadence accounts are expected to be converted to HBAN’s systems in June 2026. Previously, in October 2025, the company completed its $1.9 billion all-stock merger with Veritex Holdings Inc., strengthening its presence in key Texas markets, with the integration finalized on Jan. 19, 2026.
Our View on HBAN
Huntington’s inorganic expansion efforts are expected to support revenue growth in the near term. Also, its efforts to strengthen commercial banking capabilities and expand its presence in key growth markets, including North Carolina, South Carolina and Texas, will likely aid financial performance over the long run. However, rising expenses and elevated provisions remain concerns.
Huntington Bancshares Incorporated Price, Consensus and EPS Surprise
Huntington Bancshares Incorporated price-consensus-eps-surprise-chart | Huntington Bancshares Incorporated Quote
Currently, Huntington carries a Zacks Rank #3 (Hold). You can seethe complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
Performance of Other Banks
First Horizon Corporation FHN posted first-quarter 2026 earnings per share of 53 cents, surpassing the Zacks Consensus Estimate of 49 cents. This compares favorably with 42 cents in the year-ago quarter.
FHN’s results benefited from higher net interest income and a rise in non-interest income, along with improved credit quality. However, the rise in expenses remains a headwind.
M&T Bank Corporation MTB reported first-quarter 2026 net operating earnings per share of $4.18, which beat the Zacks Consensus Estimate of $4.02. The bottom line compared favorably with earnings of $3.38 per share in the year-ago quarter.
The results of MTB were aided by higher net interest income and a rise in non-interest income on a year-over-year basis, along with modest loan growth. However, a decline in deposits, higher provisions for credit losses, and elevated expenses acted as headwinds.
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Huntington Stock Gains as Q1 Earnings Top on Higher NII & Fee Income

First Horizon Corporation FHN posted first-quarter 2026 earnings per share of 53 cents, surpassing the Zacks Consensus Estimate of 49 cents. This compares favorably with 42 cents in the year-ago quarter.
Results benefited from higher net interest income (NII) and a rise in non-interest income, along with improved credit quality. However, the rise in expenses remains a headwind.
Net income available to its common shareholders was $257 million, up 21% year over year.
FHN’s Revenues & Expenses Rise
Total quarterly revenues were $862 million, which increased 6% year over year. The top line missed the Zacks Consensus Estimate of $866 million.
NII increased 6% year over year to $667 million. Additionally, the net interest margin expanded 10 basis points from the prior-year quarter to 3.52%.
Non-interest income was $195 million, rising 7% year over year. Growth was driven by higher service charges and fees, mortgage banking revenues, brokerage, trust and insurance income, and fixed income revenues.
Non-interest expenses increased 4% year over year to $505 million. The rise was mainly due to higher salaries and benefits, occupancy and equipment costs, and outside services expenses.
The efficiency ratio was 58.54%, down from 60.06% in the same quarter last year. A decline in the efficiency ratio indicates improved profitability.
FHN’s Loans & Deposits Balances Increase
Average loans and leases were $63.2 billion, rising 3% year over year.
Average deposits were $66.2 billion, which increased 3% year over year.
FHN’s Credit Quality Improves
Non-performing loans and leases totaled roughly $606 million, slightly lower than the prior-year quarter.
The allowance for credit losses to loans and leases ratio was 1.28%, down from 1.45% in the year-ago quarter.
Net charge-offs were $29 million, relatively stable year over year. Provision for credit losses was $15 million compared with $40 million in the year-ago quarter.
FHN’s Capital Ratios Deteriorate
The common equity tier 1 (CET1) ratio was 10.5%, down from 10.9% in the year-ago quarter.
The total capital ratio was 13.7%, down from 14.1% a year ago. The tier 1 leverage ratio improved slightly to 10.6% from 10.5% in the prior-year quarter.
Notably, the company repurchased $233 million worth of shares during the quarter.
Our Viewpoint on FHN
First Horizon benefited from solid revenue growth, higher net interest income, improving margins and steady fee income growth. However, rising expenses and lower capital ratios remain concerns. Credit metrics were relatively stable but warrant monitoring going forward.
First Horizon Corporation Price, Consensus and EPS Surprise
FHN currently carries a Zacks Rank #3 (Hold). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
Earnings Dates & Expectations of Bank Stocks
Fifth Third Bancorp FITB is scheduled to release first-quarter 2026 earnings on April 17. The consensus estimate for FITB’s quarterly earnings has been revised lower to 84 cents per share over the past seven days.
Huntington Bancshares Inc. HBAN is slated to report first-quarter 2026 earnings on April 23. Over the past seven days, the Zacks Consensus Estimate for HBAN’s quarterly earnings has been unchanged at 36 cents per share.
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First Horizon Q1 Earnings Beat Estimates on Higher NII & Fee Income

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First Horizon (FHN) Q1 2026 Earnings Transcript

(RTTNews) - First Horizon Corporation (FHN) revealed a profit for its first quarter that Increases, from the same period last year
The company's earnings totaled $257 million, or $0.53 per share. This compares with $213 million, or $0.41 per share, last year.
Excluding items, First Horizon Corporation reported adjusted earnings of $257 million or $0.53 per share for the period.
The company's revenue for the period rose 6.2% to $862 million from $812 million last year.
First Horizon Corporation earnings at a glance (GAAP) :
-Earnings: $257 Mln. vs. $213 Mln. last year. -EPS: $0.53 vs. $0.41 last year. -Revenue: $862 Mln vs. $812 Mln last year.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

First Horizon Corporation Reveals Rise In Q1 Bottom Line

The following companies are expected to report earnings prior to market open on 04/15/2026. Visit our Earnings Calendar for a full list of expected earnings releases.
ASML Holding N.V. (ASML)is reporting for the quarter ending March 31, 2026. The capital goods company's consensus earnings per share forecast from the 4 analysts that follow the stock is $7.72. This value represents a 22.35% increase compared to the same quarter last year. Zacks Investment Research reports that the 2026 Price to Earnings ratio for ASML is 43.53 vs. an industry ratio of 48.60.
Bank of America Corporation (BAC)is reporting for the quarter ending March 31, 2026. The investment bankers company's consensus earnings per share forecast from the 7 analysts that follow the stock is $1.00. This value represents a 11.11% increase compared to the same quarter last year. In the past year BAC has beat the expectations every quarter. The highest one was in the 4th calendar quarter where they beat the consensus by 2.08%. Zacks Investment Research reports that the 2026 Price to Earnings ratio for BAC is 12.29 vs. an industry ratio of 16.60.
Morgan Stanley (MS)is reporting for the quarter ending March 31, 2026. The investment bankers company's consensus earnings per share forecast from the 5 analysts that follow the stock is $3.06. This value represents a 17.69% increase compared to the same quarter last year. In the past year MS has beat the expectations every quarter. The highest one was in the 4th calendar quarter where they beat the consensus by 11.2%. Zacks Investment Research reports that the 2026 Price to Earnings ratio for MS is 15.74 vs. an industry ratio of 16.60.
Progressive Corporation (PGR)is reporting for the quarter ending March 31, 2026. The insurance (property & casualty) company's consensus earnings per share forecast from the 10 analysts that follow the stock is $4.77. This value represents a 2.58% increase compared to the same quarter last year. Zacks Investment Research reports that the 2026 Price to Earnings ratio for PGR is 12.16 vs. an industry ratio of 13.60.
PNC Financial Services Group, Inc. (PNC)is reporting for the quarter ending March 31, 2026. The investment bankers company's consensus earnings per share forecast from the 8 analysts that follow the stock is $4.12. This value represents a 17.38% increase compared to the same quarter last year. In the past year PNC has beat the expectations every quarter. The highest one was in the 4th calendar quarter where they beat the consensus by 15.37%. Zacks Investment Research reports that the 2026 Price to Earnings ratio for PNC is 12.07 vs. an industry ratio of 16.60.
M&T Bank Corporation (MTB)is reporting for the quarter ending March 31, 2026. The bank company's consensus earnings per share forecast from the 8 analysts that follow the stock is $4.02. This value represents a 18.93% increase compared to the same quarter last year. MTB missed the consensus earnings per share in the 1st calendar quarter of 2025 by -0.88%. Zacks Investment Research reports that the 2026 Price to Earnings ratio for MTB is 11.83 vs. an industry ratio of 12.50.
First Horizon Corporation (FHN)is reporting for the quarter ending March 31, 2026. The bank (southwest) company's consensus earnings per share forecast from the 7 analysts that follow the stock is $0.49. This value represents a 16.67% increase compared to the same quarter last year. In the past year FHN has beat the expectations every quarter. The highest one was in the 4th calendar quarter where they beat the consensus by 13.04%. Zacks Investment Research reports that the 2026 Price to Earnings ratio for FHN is 11.31 vs. an industry ratio of 11.30, implying that they will have a higher earnings growth than their competitors in the same industry.
TRX Gold Corporation (TRX)is reporting for the quarter ending February 28, 2026. The consensus earnings per share forecast from the 2 analysts that follow the stock is $0.02. TRX reported earnings of $-0.01 per share for the same quarter a year ago; representing a a decrease of -300.00%.Vince Holding Corp. (VNCE)is reporting for the quarter ending January 31, 2026. The textile company's consensus earnings per share forecast from the 2 analysts that follow the stock is $0.00. This value represents a 100.00% decrease compared to the same quarter last year. In the past year VNCE and beat the expectations the other three quarters. Zacks Investment Research reports that the 2026 Price to Earnings ratio for VNCE is 10.29 vs. an industry ratio of 19.80.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Pre-Market Earnings Report for April 15, 2026 : ASML, BAC, MS, PGR, PNC, MTB, FHN, TRX, VNCE

On 4/16/26, First Horizon Corp's 6.60% Dep Shares Fix/Float Non-Cumul Pfd Stock Ser C (Symbol: FHN.PRC) will trade ex-dividend, for its quarterly dividend of $0.4125, payable on 5/1/26. As a percentage of FHN.PRC's recent share price of $25.35, this dividend works out to approximately 1.63%, so look for shares of FHN.PRC to trade 1.63% lower — all else being equal — when FHN.PRC shares open for trading on 4/16/26. On an annualized basis, the current yield is approximately 6.50%, which compares to an average yield of 6.66% in the "Financial" preferred stock category, according to Preferred Stock Channel. The chart below shows the one year performance of FHN.PRC shares, versus FHN:
Below is a dividend history chart for FHN.PRC, showing historical dividends prior to the most recent $0.4125 on First Horizon Corp's 6.60% Dep Shares Fix/Float Non-Cumul Pfd Stock Ser C:
Free Report: Top 8%+ Dividends (paid monthly)
According to the ETF Finder at ETF Channel, First Horizon Corp (Symbol: FHN) makes up 2.71% of the Cullen Enhanced Equity Income ETF (DIVP) which is trading lower by about 0.2% on the day Tuesday. (see other ETFs holding FHN).
In Tuesday trading, First Horizon Corp's 6.60% Dep Shares Fix/Float Non-Cumul Pfd Stock Ser C (Symbol: FHN.PRC) is currently down about 0.1% on the day, while the common shares (Symbol: FHN) are down about 0.3%.
Click here to learn which S.A.F.E. dividend stocks also have preferred shares that should be on your radar screen »
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The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Cash Dividend On The Way From First Horizon's Preferred Stock Series C

Citizens Financial Group, Inc. CFG is scheduled to report first-quarter 2026 results on April 16, 2026, before the opening bell. The bank’s first-quarter 2026 earnings and revenues are expected to have increased from the year-ago quarter’s reported level.
In the fourth quarter of 2025, CFG witnessed a rise in net interest income (NII) and non-interest income, along with an increase in the loan and deposit balances. However, higher expenses acted as a major headwind.
The company’s earnings surpassed the Zacks Consensus Estimate in each of the trailing four quarters. On average, the positive surprise is 2.99%.
Citizens Financial Group, Inc. Price and EPS Surprise
Factors to Influence CFG's Q1 Earnings
NII: In the first quarter of 2026, the Federal Reserve kept interest rates unchanged. Thus, stabilizing funding and deposit costs are expected to have supported modest growth in CFG’s NII in the quarter to be reported.
Management expects NII to remain stable in the first quarter of 2026 compared with the fourth quarter of 2025 level of $1.53 million. The Zacks Consensus Estimate for the metric is pegged at $1.54 billion, indicating a marginal rise from the prior quarter’s reported figure.
Loans: The overall lending environment remained solid in the first quarter. According to the Federal Reserve’s latest data, demand for commercial and industrial and consumer loans was strong during the quarter, while real estate loan demand remained subdued. This is likely to have supported the company’s average interest-earning asset growth in the to-be-reported quarter.
The Zacks Consensus Estimate for average interest-earning assets is pegged at $201.1 billion, indicating a nearly 1% rise from the prior quarter’s reported figure.
Non-Interest Income: The first quarter witnessed elevated mortgage rates, hovering in the 6–6.5% range, and low affordability, which created a challenging environment for the mortgage banking business. While refinance activity saw a slight improvement from the 2025 lows, purchase volumes remained under pressure due to inventory constraints. As a result, Citizens Financial’s mortgage banking fees are likely to have been affected in the quarter to be reported.
The Zacks Consensus Estimate for mortgage banking fees is pegged at $48.6 million, indicating a 6.6% decline from the prior quarter’s reported figure.
Meanwhile, the quarter witnessed heightened market volatility. Major factors that impacted the trading business in the quarter included rising geopolitical tensions, persistent inflation concerns, a dominant AI theme and uncertainty surrounding the Fed’s monetary policy stance. Also, volatility was high in the equity markets. Hence, Citizens Financial's trust and investment services fees are likely to have recorded improvements in the quarter to be reported. The Zacks Consensus Estimate for trust and investment services fees is pegged at $101.8 million, indicating a 3.8% increase from the previous quarter’s reported figure.
The Zacks Consensus Estimate for the service charge and fee revenues is pegged at $109.6 million, indicating a decline of 2.2% from the prior quarter’s reported level.
The Zacks Consensus Estimate for card fees is pegged at $85.4 million, indicating a nearly 1% decline from the prior quarter’s reported figure.
Management expects fee income in the first quarter to be stable from the $620 million reported in the fourth quarter of 2025. Further, the Zacks Consensus Estimate for the metric is pegged at $614.6 million, indicating a nearly 1% sequential decline.
Expenses: Despite ongoing efforts to control expenses and generate positive operating leverage, the opening of private banking offices and investments in new technological advancements are likely to have increased CFG’s expenses in the first quarter.
Adjusted non-interest expenses are projected to rise 2-2.5% from fourth-quarter 2025 level of $1.34 billion.
Asset Quality: CFG is less likely to have set aside a significantly higher amount for potential delinquent loans in the first quarter of 2026, given expectations of an additional rate cut this year, as signaled by the Federal Reserve.
The Zacks Consensus Estimate for non-accrual loans is pegged at $1.49 billion, indicating a sequential decline of 1.1%.
What Our Model Unveils for CFG
Our proven model predicts an earnings beat for Citizen Financial this time around. The combination of a positive Earnings ESP and a Zacks Rank #1 (Strong Buy), 2 (Buy) or 3 (Hold) increases the odds of an earnings beat. That is exactly the case here.
Earnings ESP: Citizen Financial has an Earnings ESP of +0.42%. You can uncover the best stocks to buy or sell before they are reported with our Earnings ESP Filter.
Zacks Rank: CFG currently carries a Zacks Rank of 3.
The Zacks Consensus Estimate for first-quarter earnings of $1.10 per share has been unchanged in the past seven days. The figure indicates an increase of 42.9% from the year-ago reported figure.
The consensus estimate for first-quarter 2026 revenues is pegged at $2.17 billion, indicating a rise of 12.3% from the year-ago reported figure.
Other Stocks That Warrant a Look
Here are a couple of bank stocks that you may want to consider, as our model shows that these have the right combination of elements to post an earnings beat this time around.
The Earnings ESP for The PNC Financial Services Group PNC is +1.57% and carries a Zacks Rank #3 at present. You can see the complete list of today’s Zacks #1 Rank stocks here.
The company is slated to report first-quarter 2026 results on April 15, 2026. Over the past seven days, the Zacks Consensus Estimate for PNC's quarterly earnings has been unchanged at $4.10 per share.
First Horizon Corporation FHN is also scheduled to announce first-quarter 2026 results on April 15, 2026. The company has an Earnings ESP of +0.21% and a Zacks Rank #3 at present.
Quarterly earnings estimates for FHN have also remained unchanged at 49 cents per share over the past week.
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The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Higher NII & Loan Growth to Support Citizens Financial's Q1 Earnings

M&T Bank Corporation MTB is slated to report first-quarter 2026 results on April 15, before the opening bell. The company is expected to have registered year-over-year increases in quarterly revenues and earnings.
In the last reported quarter, the company’s results were supported by higher net interest income (NII) and non-interest income, along with modest loan growth and higher deposits. A decline in provisions for credit losses was also a tailwind. However, an increase in expenses acted as a headwind.
Quarterly earnings surpassed the Zacks Consensus Estimate in three of the trailing four quarters and missed once, with the average earnings surprise being 5.51%.
M&T Bank Corporation Price and EPS Surprise
Factors to Influence M&T Bank’s Q1 Results
Loans & NII: Per the Fed’s latest data, demand for commercial and industrial as well as consumer loans remained strong in the first quarter, while real estate loan demand was subdued. This is likely to have supported M&T Bank’s lending activity and growth in average interest-earning assets in the to-be-reported period.
The Zacks Consensus Estimate for average interest-earning assets is pegged at $193.3 billion, indicating a year-over-year rise of 2.2%.
The Federal Reserve kept interest rates unchanged at 3.50–3.75% in the first quarter. This is likely to have offered some support to MTB’s NII in the quarter to be reported, as the funding/deposit costs stabilized.
The Zacks Consensus Estimate for NII (on a tax-equivalent basis) is pegged at $1.77 billion, indicating an increase of 3.8% from the year-ago reported number.
Fee Income: MTB’s average total deposits are expected to have remained relatively stable in the first quarter of 2026. This is expected to have provided some support to revenues from service charges on deposit accounts.
The Zacks Consensus Estimate for the metric is pegged at $137.3 million, indicating a 3.2% rise from the year-ago quarter’s reported figure.
Meanwhile, mortgage rates remained elevated in the first quarter of 2026, hovering around 6.0%–6.5%, leading to affordability challenges. While purchase volumes remained under pressure due to limited housing inventory, refinancing activity witnessed a modest improvement from the lows seen in 2025. This is likely to have provided some support to MTB’s mortgage banking income.
The Zacks Consensus Estimate for mortgage banking revenues is pegged at $121.7 million, indicating a 3.1% rise from the year-ago quarter’s reported level.
The consensus estimate for brokerage services income of $35.5 million indicates a 11% increase from that reported in the first quarter of 2025.
The Zacks Consensus Estimate for trust income of $188.2 million indicates a 6.4% rise from the year-ago quarter’s actual.
The Zacks Consensus Estimate for total non-interest income is pegged at $657.9 million, indicating a 7.6% increase from the year-ago quarter’s actual.
Expenses: Despite ongoing cost-control initiatives, the company’s expenses are expected to have remained elevated in the first quarter of 2026, reflecting continued investments in strengthening its franchise.
Asset quality: M&T Bank is less likely to have set aside a significantly higher amount for potential delinquent loans in the first quarter of 2026, given expectations of an interest rate cut later this year as signaled by the Fed.
The Zacks Consensus Estimate for non-performing assets is pegged at $1.29 billion, indicating an 18.2% decline on a year-over-year basis.
What Our Quantitative Model Predicts for MTB
Our proven model does not conclusively predict an earnings beat for M&T Bank this time around. The combination of a positive Earnings ESP and a Zacks Rank #1 (Strong Buy), 2 (Buy) or 3 (Hold) increases the odds of an earnings beat. This is not the case here.
You can uncover the best stocks before they are reported with our Earnings ESP Filter.
Earnings ESP: The Earnings ESP for M&T Bank is -0.58%.
Zacks Rank: M&T Bank currently carries a Zacks Rank of 3.
The Zacks Consensus Estimate for MTB’s first-quarter earnings has been revised downward to $4.01 per share over the past seven days. The figure indicates an increase of nearly 18.6% from the year-ago number.
The consensus estimate for revenues is pegged at $2.43 billion, implying a rise of 5.3% from the year-ago reported level.
Stocks That Warrant a Look
Here are a couple of other bank stocks that you may want to consider, as our model shows that these, too, have the right combination of elements to post an earnings beat this time:
The Earnings ESP for Bank of America BAC is +1.49% and carries a Zacks Rank #3 at present. You can see the complete list of today’s Zacks #1 Rank stocks here.
The company is slated to report first-quarter 2026 results on April 15, 2026. Over the past seven days, the Zacks Consensus Estimate for BAC's quarterly earnings has remained unchanged at 99 cents per share.
First Horizon Corporation FHN is also scheduled to announce first-quarter 2026 results on April 15, 2026. The company has an Earnings ESP of +0.21% and a Zacks Rank #3 at present.
Quarterly earnings estimates for FHN have also remained unchanged at 49 cents per share over the past week.
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The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

M&T Bank's Q1 Earnings on the Deck: Here's What You Should Know

The PNC Financial Services Group, Inc. PNC is scheduled to report first-quarter 2026 earnings on April 15, before market open. The company’s revenues and earnings are expected to have improved on a year-over-year basis.
In the fourth quarter of 2025, the company’s earnings surpassed the Zacks Consensus Estimate, driven by higher net interest income (NII) and fee income. Further, rising loan and deposit balances, along with a decline in provisions for credit losses, supported the results. However, higher expenses acted as a headwind.
PNC has an impressive earnings surprise history. Its earnings surpassed estimates in the trailing four quarters with an average surprise of 8.54%.
The PNC Financial Services Group, Inc Price and EPS Surprise
Factors to Impact PNC Financial’s Q1 Earnings
NII & Loan: In the first quarter of 2026, the Federal Reserve kept interest rates unchanged. This is likely to have supported PNC Financial’s NII in the quarter, given stabilizing funding/deposit costs.
Management expects NII to rise approximately 6% sequentially in the first quarter of 2026.
The Zacks Consensus Estimate for NII of $3.94 billion indicates a sequential rise of nearly 5.7%.
Per the Fed’s latest data, the demand for commercial and industrial and consumer loans was solid during the quarter, while real estate loan demand was subdued. As such, the company’s overall lending activity is expected to have strengthened in the to-be-reported quarter.
The Zacks Consensus Estimate for average interest earnings assets of $551.8 billion indicates a sequential rise of 7.6%. The company expects average loans to rise nearly 5% sequentially in the first quarter of 2026.
Non-Interest Revenues: Mortgage rates remained elevated during the first quarter of 2026, hovering in the range of 6-6.5%, adversely affecting affordability. While refinancing activity witnessed a slight improvement from 2025 lows, origination volumes continued to face pressure due to inventory constraints. As such, PNC’s mortgage-related revenues are likely to have remained under pressure in the quarter to be reported.
The Zacks Consensus Estimate for the residential and commercial mortgage revenues is pegged at $150 million, indicating a decline of 1.3% sequentially.
Further, the quarter witnessed solid client activity and heightened market volatility, driven by factors such as shifting expectations around AI, rising geopolitical tensions, persistent inflation concerns, and uncertainty surrounding the Fed’s monetary policy stance. Meanwhile, equity markets’ performance remained volatile, along with fluctuations across commodities, bonds, and foreign exchange. As a result, PNC Financial’s asset management and brokerage income is likely to have benefited from increased client engagement and trading activity during the quarter.
The Zacks Consensus Estimate for the metric is pegged at $414.4 million, indicating a nearly 1% rise sequentially.
Global mergers and acquisitions (M&As) activity remained weak in the first quarter of 2026, as volumes declined year over year, though deal value increased with large transactions dominating the space. Last year, President Trump’s ‘Liberation Day’ tariff announcement led to a sharp slowdown in deal-making activity for several months. While companies have since adapted to operating in a volatile environment, geopolitical uncertainty related to the Middle East conflict persisted in the quarter to be reported. As a result, lower deal volumes are likely to have weighed on overall activity, leading to a decline in PNC’s capital markets and advisory revenues in the quarter to be reported.
The Zacks Consensus Estimate for the company’s capital markets and advisory income of $443.8 million indicates a nearly 9.2% sequential decline.
Further, the Zacks Consensus Estimate for card and cash management revenues is pinned at $735.7 million, indicating a sequential marginal rise. The consensus mark for lending and deposit services is pegged at $338.5 million, indicating a 1% decline from the prior quarter’s actual.
Management expects fee income to decline nearly 1%-2% sequentially in the first quarter of 2026.
The Zacks Consensus Estimate for non-interest income is pegged at $2.23 billion, indicating a 4.7% decline from the last quarter.
Expenses: The company’s expenses are expected to have continued flaring up during the first quarter of 2026 due to its investments in franchise expansion, technology and digitalization.
Management expects non-interest expenses to rise nearly 4% sequentially in the first quarter of 2026.
Asset Quality: PNC Financial is likely to have maintained elevated reserves at this time, particularly in commercial lending, amid a challenging operating backdrop shaped by the Middle East conflict and persistent inflation, which could pressure consumer demand and lead to higher delinquencies.
Management expects net charge-offs to be around $200 million, up from $162 million in the fourth quarter of 2025.
The Zacks Consensus Estimate for non-performing assets is pegged at $2.49 billion, indicating an increase of 5.3% from the previous quarter. Also, the consensus estimate for non-performing loans is pinned at $2.41 billion, implying a sequential rise of 8.8%.
What Our Model Unveils for PNC
Our proven model predicts an earnings beat for PNC Financial this time. The combination of a positive Earnings ESP and Zacks Rank #1 (Strong Buy), 2 (Buy), or 3 (Hold) increases the odds of an earnings beat. That is exactly the case here.
You can uncover the best stocks to buy or sell before they’re reported with our Earnings ESP Filter.
Earnings ESP: PNC Financial has an Earnings ESP of +1.57%.
Zacks Rank: The company currently carries a Zacks Rank of 3.
PNC Financial’s Q1 Earnings & Sales Expectations
The Zacks Consensus Estimate for first-quarter earnings per share has remained unchanged at $4.10 over the past seven days. This implies a year-over-year rise of 16.8%.
The Zacks Consensus Estimate for quarterly revenues of $6.23 billion indicates a 13.6% year-over-year increase. PNC projects total revenues to rise nearly 2%-3% in the first quarter of 2026 from $6.1 billion reported in the fourth quarter of 2025.
PNC’s Recent Development
In January 2026, PNC Financial completed its previously announced acquisition of FirstBank Holding Company, including its banking subsidiary, FirstBank, after receiving all required regulatory approvals. The transaction meaningfully strengthens PNC’s footprint in Colorado and Arizona, two of the fastest-growing banking markets in the United States.
Management expects the acquisition to be earnings accretive, adding nearly $1 per share by 2027, with integration slated for completion by June 2026. The acquisition adds nearly $26.8 billion in assets and 95 branches, more than tripling PNC’s branch network in Colorado to around 120 locations.
Other Bank Stocks to Consider
Here are a couple of other bank stocks that you may want to consider, as our model shows that these, too, have the right combination of elements to post an earnings beat this time:
The Earnings ESP for Bank of America BAC is +1.49% and carries a Zacks Rank #3 at present. You can see the complete list of today’s Zacks #1 Rank stocks here.
The company is slated to report first-quarter 2026 results on April 15, 2026. Over the past seven days, the Zacks Consensus Estimate for BAC's quarterly earnings has remained unchanged at 99 cents per share.
First Horizon Corporation FHN is also scheduled to announce first-quarter 2026 results on April 15, 2026. The company has an Earnings ESP of +0.21% and a Zacks Rank #3 at present.
Quarterly earnings estimates for FHN have also remained unchanged at 49 cents per share over the past week.
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Artificial intelligence has already reshaped the investment landscape, and its convergence with quantum computing could lead to the most significant wealth-building opportunities of our time.
Today, you have a chance to position your portfolio at the forefront of this technological revolution. In our urgent special report, Beyond AI: The Quantum Leap in Computing Power, you'll discover the little-known stocks we believe will win the quantum computing race and deliver massive gains to early investors.
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Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Higher NII & Loan Growth to Aid PNC Financial's Q1 Earnings

In trading on Thursday, shares of First Horizon Corp (Symbol: FHN) crossed above their 200 day moving average of $18.40, changing hands as high as $18.41 per share. First Horizon Corp shares are currently trading up about 1.4% on the day. The chart below shows the one year performance of FHN shares, versus its 200 day moving average:
Looking at the chart above, FHN's low point in its 52 week range is $14.09 per share, with $22.44 as the 52 week high point — that compares with a last trade of $18.40.
Click here to find out which 9 other dividend stocks recently crossed above their 200 day moving average »
Also see:
Stocks Crossing Below Their 200 Day Moving Average
GENC Insider Buying
Funds Holding PRXI
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.