M&T(MTB) ZACKS·2025-04-09 14:15Core Viewpoint - Analysts expect M&T Bank Corporation (MTB) to report quarterly earnings of 2.34 billion, up 3.7% from the previous year [1]. Earnings Estimates - Over the last 30 days, the consensus EPS estimate has been revised downward by 0.2%, indicating a collective reassessment by analysts [2]. - Revisions to earnings estimates are significant indicators for predicting investor actions regarding the stock, with empirical research showing a strong correlation between earnings estimate trends and short-term stock performance [3]. Key Metrics Projections - Analysts project the 'Efficiency Ratio' to be 60.4%, slightly improved from 60.8% reported in the same quarter last year [5]. - The estimated 'Net Interest Margin' is 3.6%, compared to 3.5% a year ago [5]. - The 'Average Balance - Total Earning Assets' is expected to reach 193.14 billion in the same quarter last year [6]. - 'Tier 1 Leverage' is forecasted at 10.1%, up from 9.5% a year ago, while the 'Tier 1 Capital Ratio' is projected at 13.1%, compared to 12.4% last year [6]. - The 'Total Capital Ratio' is expected to be 14.7%, an increase from 14% reported in the same quarter last year [7]. Income Projections - Analysts forecast 'Total Other Income' to reach 580 million in the same quarter last year [7]. - The consensus for 'Net Interest Income - Taxable-Equivalent' is 1.69 billion a year ago [8]. - 'Service Charges on Deposit Accounts' are estimated at 124 million last year [8]. - 'Trust Income' is projected at 160 million last year [9]. - 'Mortgage Banking Revenues' are expected to reach 104 million in the same quarter last year [9]. - The combined assessment suggests 'Net Interest Income' will likely be 1.68 billion last year [10]. Stock Performance - Over the past month, M&T Bank shares have recorded returns of -8.5%, compared to the Zacks S&P 500 composite's -13.5% change, indicating a relatively better performance [10].