M&T Bank (MTZ) Stock Price & Analysis
MTZ Stock Chart & Stats
- Day’s Range
- EUR 198.30 - EUR 200.70
- 52-Week Range
- EUR 154.25 - EUR 220.20
- Previous Close
- EUR 201.00
- Volume
- 0
- Average Volume (3M)
- 1
- Market Cap
- EUR 28.54B
- Enterprise Value
- EUR 52.83B
- Total Cash (Recent Filing)
- EUR 1.94B
- Total Debt (Recent Filing)
- EUR 18.18B
- Price to Earnings (P/E)
- 11.5
- Beta
- 0.46
- Next Earnings
- Jan 19, 2027 (Est.)
- EPS Estimate
- 4.44
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 2.60%
Bulls Say, Bears Say
Bulls Say
Profitability And Cash Generation
Strong TTM profitability is supported by operating and free cash flow of approximately $3.8 billion, with free cash flow roughly matching net income. This indicates solid earnings quality and provides internal capacity to support lending growth, technology investment, capital needs, and shareholder distributions.
Loan And Deposit Growth
Synchronized loan and deposit growth shows continued customer demand and funding strength across M&T's franchise. Deposit growth exceeding loan growth reduces reliance on short-term borrowings while expanding earning assets and deepening relationships that can support future interest and fee revenue.
Repricing And Fee Diversification
Meaningful asset repricing creates a durable opportunity to improve interest income as eligible securities and loans reset. Meanwhile, fee income near 28% of revenue and management's goal to increase it into the 30s can broaden revenue sources and reduce dependence on banking spreads.
Bears Say
Rising Leverage
The upward leverage trend and lower equity reduce financial flexibility relative to prior periods. If credit costs rise or funding conditions tighten, a more leveraged balance sheet can absorb less stress and may constrain M&T's ability to pursue growth, return capital, or respond aggressively to market changes.
Credit Quality Deterioration
Higher criticized and non-accrual commercial loans indicate emerging pressure in parts of the credit portfolio, particularly office and assisted-living exposures. Persistent deterioration could require greater provisions, reduce interest income, and weaken profitability or capital generation over the coming quarters.
Margin And Funding-Cost Pressure
The combination of higher funding costs and lower loan yields is compressing the core banking spread that drives a large share of revenue. Continued repricing pressure could limit net interest income growth, especially if deposit pricing remains competitive or loan demand and credit conditions weaken.
M&T Bank News
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M&T Bank Stock Smart Score
Company Description
M&T Bank
M&T Bank Corporation functions as a bank holding entity, delivering a broad spectrum of financial solutions to both commercial enterprises and individual consumers. Its Business Banking division caters to small businesses and professionals, providing essential services such as deposit accounts, credit facilities, and treasury management solutions. The Commercial Banking arm extends its reach to middle-market and large corporate clients, supplying a robust suite of offerings including deposit products, commercial loans and leases, letters of credit, and sophisticated cash management tools. Dedicated to Commercial Real Estate, the company engages in the origination, sale, and servicing of commercial property loans, alongside offering deposit services tailored for this sector. The Discretionary Portfolio segment focuses on internal financial management, overseeing deposits, investment securities, residential real estate loans, and other assets, while also managing short- and long-term borrowed funds and foreign exchange operations. Through its Residential Mortgage Banking segment, M&T originates home loans for consumers, subsequently selling these loans in the secondary market. It also acquires servicing rights for loans initially originated by other institutions. The Retail Banking segment serves individual customers with a diverse array of financial products, including demand, savings, and time deposit accounts; various consumer installment loans such as automobile and recreational vehicle financing; home equity loans and lines of credit; credit cards; and investment vehicles like mutual funds and annuities. Beyond these, M&T Bank offers specialized financial services encompassing trust and wealth management, fiduciary and custodial services, insurance brokerage, institutional securities services, and investment management. Customers can access these services through an extensive network of physical banking offices, dedicated business banking centers, as well as via telephone, online platforms, and automated teller machines (ATMs). As of December 31, 2021, the corporation maintained 688 domestic banking locations across New York, Maryland, New Jersey, Pennsylvania, Delaware, Connecticut, Virginia, West Virginia, and the District of Columbia. Additionally, it operates a full-service commercial banking office in Ontario, Canada. M&T Bank Corporation, established in 1856, has its corporate headquarters situated in Buffalo, New York.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Rene F. Jones
- Employees
- 21,562
- Website
- www.mtb.com
- Address
- One M&T Plaza, Buffalo, NY, 14203, US
M&T Bank (MTZ) Earnings & Revenues
MTZ Company Deck
MTZ Earnings Call
Earnings Call SentimentPositive
The call was overall positive. Management reported solid year-to-date earnings growth, strong loan and deposit growth, robust liquidity, improving fee-income diversification, continued technology and AI investment, and confidence in future net interest income, loan growth, and the 2027 ROTCE objective. These positives were tempered by quarter-over-quarter declines in earnings and net interest margin, higher expenses and deposit costs, modest deterioration in credit metrics, and challenges from higher interest rates.
View all DE:MTZ earnings summariesMTZ Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 12 | 2 | 8 |
| Technical Analysis | 4 | 2 | 4 |
| Moving Averages | 8 | 0 | 4 |
