M&T Bank Corporation (MTB) reported $2.4 billion in revenue for the quarter ended June 2025, representing a year-over-year increase of 4.1%. EPS of $4.28 for the same period compares to $3.79 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $2.39 billion, representing a surprise of +0.27%. The company delivered an EPS surprise of +5.94%, with the consensus EPS estimate being $4.04.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how M&T Bank performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Efficiency Ratio: 55.2% versus 56.2% estimated by five analysts on average.
- Net charge-offs to average total net loans: 0.3% versus the five-analyst average estimate of 0.4%.
- Net interest margin: 3.6% versus the five-analyst average estimate of 3.7%.
- Average Balance - Total earning assets: $190.54 billion versus $191.75 billion estimated by four analysts on average.
- Tier 1 Capital Ratio: 12.5% versus 13% estimated by three analysts on average.
- Total Capital Ratio: 14% compared to the 14.6% average estimate based on two analysts.
- Total other income: $683 million versus $640.96 million estimated by five analysts on average.
- Net interest income - taxable-equivalent: $1.72 billion versus $1.76 billion estimated by five analysts on average.
- Service charges on deposit accounts: $137 million versus the four-analyst average estimate of $135.87 million.
- Trust income: $182 million versus the four-analyst average estimate of $182.67 million.
- Mortgage banking revenues: $130 million versus $128.02 million estimated by four analysts on average.
- Net Interest Income: $1.71 billion compared to the $1.75 billion average estimate based on three analysts.
View all Key Company Metrics for M&T Bank here>>>
Shares of M&T Bank have returned +10.6% over the past month versus the Zacks S&P 500 composite's +4.5% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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M&T Bank Corporation (MTB): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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