Group 1 - M&T Bank Corporation is set to release its fourth-quarter earnings on January 16, with analysts expecting earnings of $4.47 per share, an increase from $3.77 per share in the same period last year [1] - The consensus estimate for M&T Bank's quarterly revenue is $2.47 billion, up from $2.38 billion reported in the previous year [1] - M&T Bank reported better-than-expected third-quarter earnings on October 16 [1] Group 2 - Shares of M&T Bank increased by 1.3%, closing at $212.57 on Thursday [2] - Benzinga provides access to the latest analyst ratings for M&T Bank, allowing readers to sort by various criteria [2]

Group 1 - M&T Bank Corporation is set to release its fourth-quarter earnings on January 16, with analysts expecting earnings of $4.47 per share, an increase from $3.77 per share in the same period last year [1] - The consensus estimate for M&T Bank's quarterly revenue is $2.47 billion, up from $2.38 billion reported in the previous year [1] - M&T Bank reported better-than-expected third-quarter earnings on October 16 [1] Group 2 - Shares of M&T Bank increased by 1.3%, closing at $212.57 on Thursday [2]

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 Insights - FORGE is hosting the Make It Here: CT Product Development Grant Awards on January 22, 2026, to announce the latest grant recipients aimed at supporting Connecticut manufacturers and hardtech companies [1] - The FORGE Connecticut Product Development Grant program, backed by the Manufacturing Innovation Fund, assists local manufacturers in overcoming product development challenges and fostering in-state supplier relationships [2][3] - The event will feature a panel discussion on the future of regional manufacturing and guided tours of Kubtec Medical Imaging's facility [3][4] Company Overview - FORGE is a nonprofit organization that aids hardtech innovators and emerging manufacturing companies in product development and scaling production [5] - The organization has supported over 1,000 innovators and contributed to the creation of over 10,000 jobs in innovation and manufacturing sectors [6] Event Details - The Make It Here event will include a panel discussion titled "Fueling Connecticut's Emerging Manufacturers: Capital, Collaboration and the Future of Regional Manufacturing" [3] - M&T Bank is presenting the event, highlighting its commitment to supporting local manufacturers and innovators [3]

Group 1 - The article focuses on newly listed fixed-income securities, specifically highlighting M&T Bank Corporation (MTB) [1] - Denislav Iliev, an experienced day trader with over 15 years in the field, leads a team of 40 analysts who specialize in identifying mispriced investments in fixed-income and closed-end funds [1] - The investing group "Trade With Beta" offers features such as frequent picks for mispriced preferred stocks and baby bonds, weekly reviews of over 1200 equities, IPO previews, hedging strategies, and an actively managed portfolio [1]

Group 1 - The article focuses on newly listed fixed-income securities, specifically highlighting M&T Bank Corporation (MTB) [1] - Denislav Iliev, an experienced day trader with over 15 years in the field, leads a team of 40 analysts who specialize in identifying mispriced investments in fixed-income and closed-end funds [1] - The investing group "Trade With Beta" offers features such as frequent picks for mispriced preferred stocks and baby bonds, weekly reviews of over 1200 equities, IPO previews, hedging strategies, and an actively managed portfolio [1]

Core Insights - M&T Bank Corporation (MTB) presented a compelling mix of value and income opportunities in the wake of the U.S. trade war impacting the stock market [1] Group 1: Company Overview - M&T Bank Corporation is highlighted as an attractive investment option due to its combination of value and income [1] Group 2: Analyst Background - The analysis is provided by a fund manager/analyst with over 18 years of experience in the financial markets, specializing in the financial sector [1]

Core Insights - M&T Bank Corporation (MTB) has experienced a steady growth in net interest income (NII), with a five-year compound annual growth rate (CAGR) of 15.4% ending in 2024, and a nearly 1% year-over-year increase in the first nine months of 2025 [1][9] Financial Performance - For 2025, management anticipates NII to be between $7.05 billion and $7.15 billion, an increase from $6.9 billion in 2024, with a net interest margin (NIM) projected in the mid-to-high 3.60% range compared to 3.58% the previous year [3][9] - Average loan and lease balances are expected to be between $135 billion and $137 billion in 2025, slightly higher than $134.7 billion in 2024 [3] Market Outlook - The outlook for MTB's NII expansion is positive due to falling interest rates and easing lending standards, with the current interest rate between 3.50% and 3.75% following rate cuts in 2024 and 2025 [2] - Lower interest rates are expected to stabilize funding costs, improve borrower solvency, and encourage increased lending activity, which can enhance MTB's profitability [2] Peer Comparison - Fifth Third Bancorp (FITB) has a five-year CAGR of 4.2% in NII, with a 6.2% increase in the first nine months of 2025, reaching $4.4 billion [6] - U.S. Bancorp has a five-year CAGR of 4.4% in NII, with a 2% increase in the first nine months of 2025, totaling $4.251 billion [7] Stock Performance - M&T Bank's shares have increased by 6.9% over the past six months, compared to the industry's growth of 20.3% [8]

Core Viewpoint - M&T Bank Corporation (NYSE:MTB) is recognized as a well-managed and undervalued bank, with a current valuation at 12 times earnings, making it an attractive investment opportunity [1] Group 1: Company Overview - M&T Bank Corporation provides a range of banking and credit products, including loans, deposit accounts, and cash management services [1] - The bank focuses on regional operations in the Northeast and Mid-Atlantic, prioritizing density over national expansion [1] Group 2: Investment Insights - Ariel Investments has purchased shares in M&T Bank, highlighting its strong local scale and successful acquisitions, such as the merger with People's Bank, which has enhanced its deposit base [1] - The bank has actively reduced risk in its commercial real estate portfolio and utilizes unique agency licenses to generate fee income [1] - M&T Bank is positioned to benefit from partnerships in private credit, supporting a favorable long-term outlook despite near-term credit risks [1]

Core Viewpoint - M&T Bank Corporation (MTB) is expected to report strong earnings growth in Q4 and for the fiscal years 2025 and 2026, despite recent mixed results and stock performance lagging behind major indices [2][3][4]. Financial Performance - Analysts anticipate MTB will report an EPS of $4.46 for Q4, reflecting a 13.8% increase from $3.92 in the same quarter last year [2]. - For the full fiscal year 2025, MTB's EPS is projected to be $16.71, up 12.3% from $14.88 in fiscal 2024, with further growth expected in fiscal 2026 to $18.70 per share, an 11.9% year-over-year increase [3]. - In Q3, MTB's net interest income (NII) grew by 2% to $1.6 billion, despite a 4% decline in interest income and a 13% drop in interest expenses [5]. Stock Performance - Over the past 52 weeks, MTB's stock has increased by 9.4%, which is lower than the S&P 500 Index's 15.4% rise and the Financial Services Select Sector SPDR Fund's 14.5% returns [4]. - Following the release of mixed Q3 results, MTB's stock declined by 3.5% but regained positive momentum in subsequent trading sessions [5][6]. Analyst Sentiment - MTB holds a consensus "Moderate Buy" rating among 23 analysts, with a mean price target of $220.48, indicating an 8.3% upside potential from current levels [7].