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M&A: Guidewire $GWRE agreed to acquire AI-powered insurance pricing and underwriting firm hyperexponential for $1.7B in cash, with up to $400M in additional performance-based payments. The deal is expected to add at least 6.5 percentage points to FY27 ARR growth, followed by at least 1.5 points in annual organic ARR growth starting in FY28. Guidewire plans to fund the acquisition with $1B in new loans and cash on hand.

M&T BANK $MTB Q3’26 EARNINGS HIGHLIGHTS 🔹 Net Interest Income: $1.79B; +2% YoY 🔹 Noninterest Income: $743M; -1% YoY 🔹 EPS: $5.04 (Est. $4.96) 🟢; +5% YoY 🔹 Adj. EPS: $5.08; +4% YoY 🔹 Net Income: $775M; -2% YoY Other Q3 Metrics: 🔹 Net Interest Margin: 3.65%; -4 bps YoY 🔹 Efficiency Ratio: 54.4% 🔹 Return on Avg. Common Equity: 11.44% 🔹 Return on Avg. Assets: 1.40%; -9 bps YoY 🔹 CET1 Ratio: 10.16% 🔹 Provision for Credit Losses: $135M 🔹 Income Before Taxes: $1.01B (Est. $992M) 🟢 🔹 Book Value/Share: $174.95 (Est. $180.40) 🔴 Capital Return: 🔹 Share Repurchases: $323M (1.3M shares) 🔹 Dividend: $1.50/share Key Updates: 🔹 Average loans grew $2.6B reflecting higher average commercial real estate loan balances of $1.6B, consumer loan balances of $634M and residential real estate loan balances of $367M. 🔹 Mortgage banking revenues increased $25M reflecting a rise in residential mortgage loan sub-servicing income. 🔹 The Company began sub-servicing $62.9B of additional residential mortgage loans. Comments: 🔸 “M&T's third quarter results were highlighted by strong loan and deposit growth, stable credit and a solid capital position.”