- M&T Bank’s third-quarter operating EPS surpassed expectations, reported at $4.87 versus the estimated $4.43.
- Net interest income was slightly below projections, coming in at $1.76 billion compared to the anticipated $1.78 billion.
- The net interest margin aligned exactly with estimates at 3.68%.
- Non-interest income significantly exceeded expectations, reported at $752 million against the estimated $659.6 million.
- Provision for credit losses was lower than expected at $125 million, in contrast to the estimated $143.1 million.
- Net charge-offs were higher than forecasted, totaling $146 million versus the predicted $129.8 million.
- Return on average common equity came in at 11.5%, above the projected 10.7%.
- The Tier 1 ratio also surpassed expectations, recorded at 11% compared to the estimated 10.9%.
- An efficiency ratio of 53.6% was reported.
- End-period deposits were slightly under predictions, totaling $163.43 billion versus the estimated $165.46 billion.
- Loans and leases were marginally above expectations, with an end-period figure of $136.97 billion compared to the forecasted $136.75 billion.
- Cash and due from banks were below estimates, at $1.95 billion against a prediction of $2.12 billion.
- Analysts coverage includes 14 buy recommendations, 10 holds, and 1 sell.
M & T Bank Corp on Smartkarma
Analyst coverage of M&T Bank Corp on Smartkarma, through reports by Baptista Research, sheds light on the bank’s financial performance and strategic moves. In the report titled “M&T Bank’s Cost Discipline — The Move That Could Protect Margins in 2025!“, the analysis highlights the positive aspects of M&T Bank’s second-quarter 2025 results. The bank showcased robust growth in fee income and enhancement in asset quality, with a notable 11% surge in fee income compared to the previous year.
Furthermore, in another report titled “M&T Bank: Capital Management & Share Repurchases to Maintain A Robust Capital Structure Amidst Volatile Market Conditions!“, Baptista Research discusses M&T Bank’s first-quarter 2025 earnings. Despite a drop in earnings per share and net income, the bank maintained strong return metrics, including a return on assets (ROA) of 1.14% and return on common equity (ROCE) of 8.36%. This analysis underscores the bank’s focus on capital management and strategic moves to navigate through market volatility.
A look at M & T Bank Corp Smart Scores
| Factor | Score | Magnitude |
|---|---|---|
| Value | 4 | |
| Dividend | 4 | |
| Growth | 4 | |
| Resilience | 4 | |
| Momentum | 3 | |
| OVERALL SMART SCORE | 3.8 |
Smart Score is a compound score for the Company indicating its overall outlook. It is derived by taking an equally weighted average of underlying Factor scores computed by Smartkarma
Based on the Smartkarma Smart Scores, M&T Bank Corp is positioned for a favorable long-term outlook. With strong scores across key factors including value, dividend, growth, and resilience all at a solid 4, the company demonstrates stability and potential for sustained performance. While momentum lags slightly at 3, the overall positive scores indicate a promising future for M&T Bank Corp.
As a bank holding company, M&T Bank Corporation offers a range of commercial banking, trust, and investment services through its banking subsidiaries. With branch offices in multiple states including New York, Maryland, and Pennsylvania, M&T Bank Corp has established a strong presence in key markets, setting a solid foundation for continued growth and success in the financial sector.
Disclaimer: This article by Smartkarma is general in nature and based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. Note that our articles may not factor in the latest price-sensitive company announcements or qualitative material.
While all reasonable care has been taken in the preparation, Smartkarma makes no assurance about the accuracy of any generated data or content. All content is indicative only and should be independently checked for accuracy and confirmed before use. Smartkarma accepts no responsibility for any loss or damage caused as a result of any inaccuracy or error within the Lab online tools or generated data.
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