M&T Bank (NYSE:MTB) 주식

M & T BANK CORP

M&T Bank

M&T Bank is one of the largest regional banks in the United States, with branches in New York, Pennsylvania, West Virginia, Virginia, Maryland, Delaware, Massachusetts, New Hampshire, Vermont, Maine, Connecticut, and New Jersey. The bank was founded to serve manufacturing and trading businesses around the Erie Canal and is primarily focused on commercial real estate and commercial-related lending, with some retail operations also present.

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매주, 벤징가의 스톡 위스퍼 지수(Benzinga&#39;s Stock Whisper Index)는 독점 데이터(proprietary data)와 패턴 인식의 조합을 사용하여 표면 바로 아래에서 주목을 받을 만한 주식 5종목을 소개한다.

벤징가의 &#39;스톡 위스퍼&#39; 지수: M&amp;T 뱅크, 드래프트킹스, TJX 컴퍼니즈, 인스메드 및 트레인 테크

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트루이스트 증권의 애널리스트들은 24개의 대형은행, 지역은행, 신탁은행과 신용카드 회사에 대한 커버리지를 개시했다. 이들은 향후 2년간 강력한 수익 성장을 예상하며 대출 성장률 개선, 가파른 수익률 곡선, 충분한 자본 확충 등의 요인에 힘입어 연간 12~15%의 수익 증가를 예상하고 있다.

트루이스트: 2025년 수익률 곡선 정상화, 저렴한 가치평가, EPS 성장 속 은행주 상승할 것

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Opinion

지역 은행 부문은 지난 2년 동안 잘못된 이유로 많은 헤드라인을 장식했다. 실리콘밸리 은행, 시그니처 은행 및 퍼스트 리퍼블릭 은행과 같은 은행 파산 사건은 이 부문에 큰 충격을 주었고, 2023년 말 SPDR 지역은행 ETF(NYSE:KRE)는 40% 이상 하락했다.

트럼프가 증권거래위원회 새 리더십을 지명하기 전에 사야 할 6개 지역 은행주

M&T Bank Corp

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Moatable Inc

MOUNT BURGESS MINING NEW by Mount Burgess Mining N.L.

Mount Burgess Mining NL

MOUNT BURGESS MINING NL by Mount Burgess Mining N.L.

M&T Bank Corporation Perpetual Fixed-to-Floating Rate Non-Cumulative Preferred Stock, Series H

M&T Bank Corporation Depositary Shares each representing a 1/400th ownership interest in a share of Perpetual 7.500% Non-Cumulative Preferred Stock, Series J

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Shares of banking companies are trading lower in response to President Trump's sweeping Liberation tariffs and retaliatory responses. The industry is now facing greater macroeconomic uncertainty and recession fears.

Truist Securities analyst Brian Foran maintains M&amp;T Bank (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MTB#NYSE">MTB</a>) with a Buy and lowers the price target from $236 to $225.

Truist Securities Maintains Buy on M&T Bank, Lowers Price Target to $225

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Shares of banking companies are trading lower as markets react to President Trump's announcement of sweeping tariffs.

Top Wall Street analysts changed their outlook on these top names. For a complete view of all analyst rating changes, including upgrades and downgrades, please see our <a href="https://www.benzinga.com/analyst-stock-ratings">analyst ratings page</a>.
<ul>
<li>B of A Securities cut Apple Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AAPL#NASDAQ">AAPL</a>) price target from $265 to $250. B of A Securities analyst Wamsi Mohan maintained a Buy rating. Apple shares closed at $223.89 on Wednesday. See how other analysts <a href="https://www.benzinga.com/quote/AAPL/analyst-ratings">view this stock</a>.</li>
<li>Truist Securities raised the price target for The Procter &amp; Gamble Company (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PG#NYSE">PG</a>) from $180 to $185. Truist Securities analyst Bill Chappell maintained a Buy rating. Procter &amp; Gamble shares closed at $169.50 on Wednesday. <a href="https://www.benzinga.com/quote/PG/analyst-ratings">See how other analysts view this stock.</a></li>
<li>JP Morgan cut M&amp;T Bank Corporation (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MTB#NYSE">MTB</a>) price target from $212.5 to $186.5. JP Morgan analyst Andrew Dietrich maintained a Neutral rating. M&amp;T Bank shares closed at $179.71 on Wednesday. See how other analysts <a href="https://www.benzinga.com/quote/MTB/analyst-ratings">view this stock</a>.</li>
<li>Morgan Stanley cut the price target for RH (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/RH#NYSE">RH</a>) from $530 to $300. Morgan Stanley analyst Simeon Gutman maintained an Overweight rating. RH shares closed at $249.35 on Wednesday. <a href="https://www.benzinga.com/quote/RH/analyst-ratings">See how other analysts view this stock.</a></li>
<li>Keefe, Bruyette &amp; Woods cut the price target for nCino, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NCNO#NASDAQ">NCNO</a>) from $40 to $28. Keefe, Bruyette &amp; Woods analyst Ryan Tomasello maintained an Outperform rating. nCino shares closed at $22.59 on Wednesday. <a href="https://www.benzinga.com/quote/NCNO/analyst-ratings">See how other analysts view this stock.</a></li>
<li>Evercore ISI Group cut Sensata Technologies Holding plc (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ST#NYSE">ST</a>) price target from $40 to $27. Evercore ISI Group analyst Amit Daryanani downgraded the stock from Outperform to In-Line. Sensata Technologies shares settled at $24.61 on Wednesday. <a href="https://www.benzinga.com/quote/ST/analyst-ratings">See how other analysts view this stock</a>.</li>
<li>Jefferies cut Enphase Energy, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/ENPH#NASDAQ">ENPH</a>) price target from $54 to $44. Jefferies analyst Sean Milligan maintained an Underperform rating. Enphase Energy shares closed at $62.52 on Wednesday. <a href="https://www.benzinga.com/quote/ENPH/analyst-ratings">See how other analysts view this stock.</a></li>
<li>Canaccord Genuity raised Sportradar Group AG (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SRAD#NASDAQ">SRAD</a>) price target from $30 to $32. Canaccord Genuity analyst Michael Graham maintained a Buy rating. Sportradar shares closed at $22.20 on Wednesday.  <a href="https://www.benzinga.com/quote/SRAD/analyst-ratings">See how other analysts view this stock</a>.</li>
<li>Baird slashed the price target for Fluor Corporation (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/FLR#NYSE">FLR</a>) from $46 to $43. Baird analyst Andrew Wittmann maintained a Neutral rating. Fluor shares settled at $37.22 on Wednesday. <a href="https://www.benzinga.com/quote/FLR/analyst-ratings">See how other analysts view this stock</a>.</li>
<li>Needham cut Sarepta Therapeutics, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SRPT#NASDAQ">SRPT</a>) price target from $202 to $183. Needham analyst Gil Blum maintained a Buy rating. Sarepta Therapeutics shares closed at $62.47 on Wednesday. <a href="https://www.benzinga.com/quote/SRPT/analyst-ratings">See how other analysts view this stock</a>.</li>
</ul>
Considering buying AAPL stock? Here&#8217;s what analysts think: 
<figure class="wp-block-image size-large is-resized"><img loading="lazy" decoding="async" width="1024" height="590" src="https://editorial-assets.benzinga.com/wp-content/uploads/2025/04/03091101/image-37-1024x590.png" alt="" class="wp-image-855474" style="width:516px;height:auto" srcset="https://editorial-assets.benzinga.com/wp-content/uploads/2025/04/03091101/image-37-1024x590.png 1024w,https://editorial-assets.benzinga.com/wp-content/uploads/2025/04/03091101/image-37-300x173.png 300w,https://editorial-assets.benzinga.com/wp-content/uploads/2025/04/03091101/image-37-768x442.png 768w,https://editorial-assets.benzinga.com/wp-content/uploads/2025/04/03091101/image-37.png 1111w" sizes="(max-width: 1024px) 100vw, 1024px" /></figure>
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Pre-Market Outlook

AAPL

ENPH

NCNO

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Apple To $250? Here Are 10 Top Analyst Forecasts For Thursday

M&amp;T Bank (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MTB#NYSE">MTB</a>) underwent analysis by 9 analysts in the last quarter, revealing a spectrum of viewpoints from bullish to bearish.
The table below summarizes their recent ratings, showcasing the evolving sentiments within the past 30 days and comparing them to the preceding months.
<table>
<thead>
<tr>
<th></th>
<th align="right">Bullish</th>
<th align="right">Somewhat Bullish</th>
<th align="right">Indifferent</th>
<th align="right">Somewhat Bearish</th>
<th align="right">Bearish</th>
</tr>
</thead>
<tbody>
<tr>
<td>Total Ratings</td>
<td align="right">2</td>
<td align="right">2</td>
<td align="right">4</td>
<td align="right">1</td>
<td align="right">0</td>
</tr>
<tr>
<td>Last 30D</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>1M Ago</td>
<td align="right">0</td>
<td align="right">2</td>
<td align="right">1</td>
<td align="right">1</td>
<td align="right">0</td>
</tr>
<tr>
<td>2M Ago</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>3M Ago</td>
<td align="right">2</td>
<td align="right">0</td>
<td align="right">2</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
</tbody>
</table>
Providing deeper insights, analysts have established 12-month price targets, indicating an average target of $216.83, along with a high estimate of $253.00 and a low estimate of $185.00. A negative shift in sentiment is evident as analysts have decreased the average price target by 5.39%. 
<img src="https://www.benzinga.com/files/images/story/2025/1743685259_0.png" alt="price target chart" />
<h2>Analyzing Analyst Ratings: A Detailed Breakdown</h2>
An in-depth analysis of recent analyst actions unveils how financial experts perceive M&amp;T Bank. The following summary outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>Andrew Dietrich</td>
<td>JP Morgan</td>
<td>Lowers</td>
<td>Neutral</td>
<td>$186.50</td>
<td>$212.50</td>
</tr>
<tr>
<td>Mike Mayo</td>
<td>Wells Fargo</td>
<td>Lowers</td>
<td>Underweight</td>
<td>$185.00</td>
<td>$205.00</td>
</tr>
<tr>
<td>Keith Horowitz</td>
<td>Citigroup</td>
<td>Lowers</td>
<td>Neutral</td>
<td>$195.00</td>
<td>$230.00</td>
</tr>
<tr>
<td>Manan Gosalia</td>
<td>Morgan Stanley</td>
<td>Lowers</td>
<td>Overweight</td>
<td>$253.00</td>
<td>$269.00</td>
</tr>
<tr>
<td>John Pancari</td>
<td>Evercore ISI Group</td>
<td>Lowers</td>
<td>Outperform</td>
<td>$205.00</td>
<td>$234.00</td>
</tr>
<tr>
<td>Peter Winter</td>
<td>DA Davidson</td>
<td>Raises</td>
<td>Neutral</td>
<td>$223.00</td>
<td>$222.00</td>
</tr>
<tr>
<td>Brian Foran</td>
<td>Truist Securities</td>
<td>Raises</td>
<td>Buy</td>
<td>$236.00</td>
<td>$233.00</td>
</tr>
<tr>
<td>Brian Foran</td>
<td>Truist Securities</td>
<td>Announces</td>
<td>Buy</td>
<td>$233.00</td>
<td>-</td>
</tr>
<tr>
<td>Jason Goldberg</td>
<td>Barclays</td>
<td>Raises</td>
<td>Equal-Weight</td>
<td>$235.00</td>
<td>$228.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li>Action Taken: Analysts respond to changes in market conditions and company performance, frequently updating their recommendations. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their reaction to recent developments related to M&amp;T Bank. This information offers a snapshot of how analysts perceive the current state of the company.</li>
<li>Rating: Delving into assessments, analysts assign qualitative values, from 'Outperform' to 'Underperform'. These ratings communicate expectations for the relative performance of M&amp;T Bank compared to the broader market.</li>
<li>Price Targets: Analysts predict movements in price targets, offering estimates for M&amp;T Bank's future value. Examining the current and prior targets offers insights into analysts' evolving expectations.</li>
</ul>
Capture valuable insights into M&amp;T Bank's market standing by understanding these analyst evaluations alongside pertinent financial indicators. Stay informed and make strategic decisions with our Ratings Table.
<a href="https://www.benzinga.com/quote/MTB/analyst-ratings?adType=benzinga-insights&amp;ad=analyst-ratings&amp;campaign=wallstreetadvantage">Stay up to date on M&amp;T Bank analyst ratings.</a>
<h2>Discovering M&amp;T Bank: A Closer Look</h2>
M&amp;T Bank is one of the largest regional banks in the United States, with branches in New York, Pennsylvania, West Virginia, Virginia, Maryland, Delaware, Massachusetts, New Hampshire, Vermont, Maine, Connecticut, and New Jersey. The bank was founded to serve manufacturing and trading businesses around the Erie Canal and is primarily focused on commercial real estate and commercial-related lending, with some retail operations also present.
<h3>A Deep Dive into M&amp;T Bank's Financials</h3>
Market Capitalization: Boasting an elevated market capitalization, the company surpasses industry averages. This signals substantial size and strong market recognition.
Revenue Growth: M&amp;T Bank displayed positive results in 3 months. As of 31 December, 2024, the company achieved a solid revenue growth rate of approximately 2.7%. This indicates a notable increase in the company's top-line earnings. As compared to competitors, the company encountered difficulties, with a growth rate lower than the average among peers in the Financials sector.
Net Margin: M&amp;T Bank's net margin is below industry standards, pointing towards difficulties in achieving strong profitability. With a net margin of 27.27%, the company may encounter challenges in effective cost control.
Return on Equity (ROE): M&amp;T Bank's ROE is below industry averages, indicating potential challenges in efficiently utilizing equity capital. With an ROE of 2.42%, the company may face hurdles in achieving optimal financial returns.
Return on Assets (ROA): The company's ROA is a standout performer, exceeding industry averages. With an impressive ROA of 0.31%, the company showcases effective utilization of assets.
Debt Management: M&amp;T Bank's debt-to-equity ratio surpasses industry norms, standing at 0.51. This suggests the company carries a substantial amount of debt, posing potential financial challenges.
<h2>Analyst Ratings: Simplified</h2>
Benzinga tracks 150 analyst firms and reports on their stock expectations. Analysts typically arrive at their conclusions by predicting how much money a company will make in the future, usually the upcoming five years, and how risky or predictable that company's revenue streams are.
Analysts attend company conference calls and meetings, research company financial statements, and communicate with insiders to publish their ratings on stocks. Analysts typically rate each stock once per quarter or whenever the company has a major update.
Some analysts publish their predictions for metrics such as growth estimates, earnings, and revenue to provide additional guidance with their ratings. When using analyst ratings, it is important to keep in mind that stock and sector analysts are also human and are only offering their opinions to investors.
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This article was generated by Benzinga's automated content engine and reviewed by an editor.

Where M&T Bank Stands With Analysts

JP Morgan analyst Andrew Dietrich maintains M&amp;T Bank (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MTB#NYSE">MTB</a>) with a Neutral and lowers the price target from $212.5 to $186.5.

JP Morgan Maintains Neutral on M&T Bank, Lowers Price Target to $186.5

Wells Fargo analyst Mike Mayo maintains M&amp;T Bank (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MTB#NYSE">MTB</a>) with a Underweight and lowers the price target from $205 to $185.

Wells Fargo Maintains Underweight on M&T Bank, Lowers Price Target to $185

M&amp;T Bank's (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MTB#NYSE">MTB</a>) short percent of float has risen 30.12% since its last report. The company recently reported that it has 4.68 million shares sold short, which is 3.24% of all regular shares that are available for trading. Based on its trading volume, it would take traders 3.43 days to cover their short positions on average.
<h3>Why Short Interest Matters</h3>
Short interest is the number of shares that have been sold short but have not yet been covered or closed out. <a href="https://www.benzinga.com/money/how-to-short-a-stock?adType=benzinga-insights&amp;ad=short-interest&amp;campaign=wallstreetadvantage">Short selling</a> is when a trader sells shares of a company they do not own, with the hope that the price will fall. Traders make money from short selling if the price of the stock falls and they lose if it rises.
Short interest is important to track because it can act as an indicator of market sentiment towards a particular stock. An increase in short interest can signal that investors have become more bearish, while a decrease in short interest can signal they have become more bullish.
See Also: <a href="https://www.benzinga.com/short-interest?adType=benzinga-insights&amp;ad=short-interest&amp;campaign=wallstreetadvantage">List of the most shorted stocks</a>
<h3>M&amp;T Bank Short Interest Graph (3 Months)</h3>
<img src="https://www.benzinga.com/files/images/story/2025/1742928315_0.png" alt="short_fig" />
As you can see from the chart above the percentage of shares that are sold short for M&amp;T Bank has grown since its last report. This does not mean that the stock is going to fall in the near-term but traders should be aware that more shares are being shorted.
<h3>Comparing M&amp;T Bank's Short Interest Against Its Peers</h3>
Peer comparison is a popular technique amongst analysts and investors for gauging how well a company is performing. A company's peer is another company that has similar characteristics to it, such as industry, size, age, and financial structure. You can find a company's peer group by reading its 10-K, proxy filing, or by doing your own similarity analysis.
According to <a href="https://www.benzinga.com/pro/">Benzinga Pro</a>, M&amp;T Bank's peer group average for short interest as a percentage of float is 3.86%, which means the company has less short interest than most of its peers.
Did you know that increasing short interest can actually be bullish for a stock? <a href="https://www.benzinga.com/money/how-to-make-money-on-a-short-squeeze?adType=benzinga-insights&amp;ad=short-interest&amp;campaign=wallstreetadvantage">This post by Benzinga Money explains how you can profit from it.</a>
This article was generated by Benzinga's automated content engine and was reviewed by an editor.

Short Sellers

Short Ideas

Looking Into M&T Bank's Recent Short Interest

Citigroup analyst Keith Horowitz maintains M&amp;T Bank (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MTB#NYSE">MTB</a>) with a Neutral and lowers the price target from $230 to $195.

Citigroup Maintains Neutral on M&T Bank, Lowers Price Target to $195

Analysts' ratings for M&amp;T Bank (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MTB#NYSE">MTB</a>) over the last quarter vary from bullish to bearish, as provided by 6 analysts.
Summarizing their recent assessments, the table below illustrates the evolving sentiments in the past 30 days and compares them to the preceding months.
<table>
<thead>
<tr>
<th></th>
<th align="right">Bullish</th>
<th align="right">Somewhat Bullish</th>
<th align="right">Indifferent</th>
<th align="right">Somewhat Bearish</th>
<th align="right">Bearish</th>
</tr>
</thead>
<tbody>
<tr>
<td>Total Ratings</td>
<td align="right">2</td>
<td align="right">2</td>
<td align="right">2</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>Last 30D</td>
<td align="right">0</td>
<td align="right">2</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>1M Ago</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>2M Ago</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>3M Ago</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
</tbody>
</table>
The 12-month price targets assessed by analysts reveal further insights, featuring an average target of $230.83, a high estimate of $253.00, and a low estimate of $205.00. This current average has decreased by 2.69% from the previous average price target of $237.20. 
<img src="https://www.benzinga.com/files/images/story/2025/1741899680_0.png" alt="price target chart" />
<h2>Interpreting Analyst Ratings: A Closer Look</h2>
An in-depth analysis of recent analyst actions unveils how financial experts perceive M&amp;T Bank. The following summary outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>Manan Gosalia</td>
<td>Morgan Stanley</td>
<td>Lowers</td>
<td>Overweight</td>
<td>$253.00</td>
<td>$269.00</td>
</tr>
<tr>
<td>John Pancari</td>
<td>Evercore ISI Group</td>
<td>Lowers</td>
<td>Outperform</td>
<td>$205.00</td>
<td>$234.00</td>
</tr>
<tr>
<td>Peter Winter</td>
<td>DA Davidson</td>
<td>Raises</td>
<td>Neutral</td>
<td>$223.00</td>
<td>$222.00</td>
</tr>
<tr>
<td>Brian Foran</td>
<td>Truist Securities</td>
<td>Raises</td>
<td>Buy</td>
<td>$236.00</td>
<td>$233.00</td>
</tr>
<tr>
<td>Brian Foran</td>
<td>Truist Securities</td>
<td>Announces</td>
<td>Buy</td>
<td>$233.00</td>
<td>-</td>
</tr>
<tr>
<td>Jason Goldberg</td>
<td>Barclays</td>
<td>Raises</td>
<td>Equal-Weight</td>
<td>$235.00</td>
<td>$228.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li>Action Taken: In response to dynamic market conditions and company performance, analysts update their recommendations. Whether they 'Maintain', 'Raise', or 'Lower' their stance, it signifies their reaction to recent developments related to M&amp;T Bank. This insight gives a snapshot of analysts' perspectives on the current state of the company.</li>
<li>Rating: Delving into assessments, analysts assign qualitative values, from 'Outperform' to 'Underperform'. These ratings communicate expectations for the relative performance of M&amp;T Bank compared to the broader market.</li>
<li>Price Targets: Understanding forecasts, analysts offer estimates for M&amp;T Bank's future value. Examining the current and prior targets provides insight into analysts' changing expectations.</li>
</ul>
Capture valuable insights into M&amp;T Bank's market standing by understanding these analyst evaluations alongside pertinent financial indicators. Stay informed and make strategic decisions with our Ratings Table.
<a href="https://www.benzinga.com/quote/MTB/analyst-ratings?adType=benzinga-insights&amp;ad=analyst-ratings&amp;campaign=wallstreetadvantage">Stay up to date on M&amp;T Bank analyst ratings.</a>
<h2>Get to Know M&amp;T Bank Better</h2>
M&amp;T Bank is one of the largest regional banks in the United States, with branches in New York, Pennsylvania, West Virginia, Virginia, Maryland, Delaware, and New Jersey. The bank was founded to serve manufacturing and trading businesses around the Erie Canal and is primarily focused on commercial real estate and commercial-related lending, with some retail operations also present.
<h3>A Deep Dive into M&amp;T Bank's Financials</h3>
Market Capitalization Analysis: The company's market capitalization is above the industry average, indicating that it is relatively larger in size compared to peers. This may suggest a higher level of investor confidence and market recognition.
Revenue Growth: M&amp;T Bank's revenue growth over a period of 3 months has been noteworthy. As of 31 December, 2024, the company achieved a revenue growth rate of approximately 2.7%. This indicates a substantial increase in the company's top-line earnings. In comparison to its industry peers, the company trails behind with a growth rate lower than the average among peers in the Financials sector.
Net Margin: M&amp;T Bank's net margin is below industry averages, indicating potential challenges in maintaining strong profitability. With a net margin of 27.27%, the company may face hurdles in effective cost management.
Return on Equity (ROE): M&amp;T Bank's ROE is below industry averages, indicating potential challenges in efficiently utilizing equity capital. With an ROE of 2.42%, the company may face hurdles in achieving optimal financial returns.
Return on Assets (ROA): M&amp;T Bank's ROA stands out, surpassing industry averages. With an impressive ROA of 0.31%, the company demonstrates effective utilization of assets and strong financial performance.
Debt Management: M&amp;T Bank's debt-to-equity ratio is notably higher than the industry average. With a ratio of 0.51, the company relies more heavily on borrowed funds, indicating a higher level of financial risk.
<h2>Understanding the Relevance of Analyst Ratings</h2>
Within the domain of banking and financial systems, analysts specialize in reporting for specific stocks or defined sectors. Their work involves attending company conference calls and meetings, researching company financial statements, and communicating with insiders to publish "analyst ratings" for stocks. Analysts typically assess and rate each stock once per quarter.
Beyond their standard evaluations, some analysts contribute predictions for metrics like growth estimates, earnings, and revenue, furnishing investors with additional guidance. Users of analyst ratings should be mindful that this specialized advice is shaped by human perspectives and may be subject to variability.
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What 6 Analyst Ratings Have To Say About M&T Bank

Morgan Stanley analyst Manan Gosalia maintains M&amp;T Bank (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MTB#NYSE">MTB</a>) with a Overweight and lowers the price target from $269 to $253.

Morgan Stanley Maintains Overweight on M&T Bank, Lowers Price Target to $253

Evercore ISI Group analyst John Pancari maintains M&amp;T Bank (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MTB#NYSE">MTB</a>) with a Outperform and lowers the price target from $234 to $205.

Evercore ISI Group Maintains Outperform on M&T Bank, Lowers Price Target to $205

Shares of banking companies are trading lower amid President Trump's decision to implement tariffs.

Buybacks

M&T Bank Announces $4B Repurchase Program

In the latest quarter, 13 analysts provided ratings for M&amp;T Bank (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MTB#NYSE">MTB</a>), showcasing a mix of bullish and bearish perspectives.
In the table below, you'll find a summary of their recent ratings, revealing the shifting sentiments over the past 30 days and comparing them to the previous months.
<table>
<thead>
<tr>
<th></th>
<th align="right">Bullish</th>
<th align="right">Somewhat Bullish</th>
<th align="right">Indifferent</th>
<th align="right">Somewhat Bearish</th>
<th align="right">Bearish</th>
</tr>
</thead>
<tbody>
<tr>
<td>Total Ratings</td>
<td align="right">2</td>
<td align="right">2</td>
<td align="right">8</td>
<td align="right">1</td>
<td align="right">0</td>
</tr>
<tr>
<td>Last 30D</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>1M Ago</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>2M Ago</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">5</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>3M Ago</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">1</td>
<td align="right">1</td>
<td align="right">0</td>
</tr>
</tbody>
</table>
In the assessment of 12-month price targets, analysts unveil insights for M&amp;T Bank, presenting an average target of $229.35, a high estimate of $250.00, and a low estimate of $205.00. Surpassing the previous average price target of $213.00, the current average has increased by 7.68%.
<img src="https://www.benzinga.com/files/images/story/2025/1737147647_0.png" alt="price target chart" />
<h2>Interpreting Analyst Ratings: A Closer Look</h2>
The standing of M&amp;T Bank among financial experts is revealed through an in-depth exploration of recent analyst actions. The summary below outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>Peter Winter</td>
<td>DA Davidson</td>
<td>Raises</td>
<td>Neutral</td>
<td>$223.00</td>
<td>$222.00</td>
</tr>
<tr>
<td>Brian Foran</td>
<td>Truist Securities</td>
<td>Raises</td>
<td>Buy</td>
<td>$236.00</td>
<td>$233.00</td>
</tr>
<tr>
<td>Brian Foran</td>
<td>Truist Securities</td>
<td>Announces</td>
<td>Buy</td>
<td>$233.00</td>
<td>-</td>
</tr>
<tr>
<td>Jason Goldberg</td>
<td>Barclays</td>
<td>Raises</td>
<td>Equal-Weight</td>
<td>$235.00</td>
<td>$228.00</td>
</tr>
<tr>
<td>David Rochester</td>
<td>Compass Point</td>
<td>Raises</td>
<td>Neutral</td>
<td>$250.00</td>
<td>$220.00</td>
</tr>
<tr>
<td>David Konrad</td>
<td>Keefe, Bruyette &amp; Woods</td>
<td>Raises</td>
<td>Market Perform</td>
<td>$221.00</td>
<td>$205.00</td>
</tr>
<tr>
<td>Steven Alexopoulos</td>
<td>JP Morgan</td>
<td>Raises</td>
<td>Neutral</td>
<td>$223.50</td>
<td>$215.00</td>
</tr>
<tr>
<td>Frank Schiraldi</td>
<td>Piper Sandler</td>
<td>Raises</td>
<td>Overweight</td>
<td>$243.00</td>
<td>$205.00</td>
</tr>
<tr>
<td>Ryan Nash</td>
<td>Goldman Sachs</td>
<td>Raises</td>
<td>Neutral</td>
<td>$243.00</td>
<td>$216.00</td>
</tr>
<tr>
<td>Keith Horowitz</td>
<td>Citigroup</td>
<td>Raises</td>
<td>Neutral</td>
<td>$230.00</td>
<td>$220.00</td>
</tr>
<tr>
<td>Mike Mayo</td>
<td>Wells Fargo</td>
<td>Raises</td>
<td>Underweight</td>
<td>$205.00</td>
<td>$190.00</td>
</tr>
<tr>
<td>John Pancari</td>
<td>Evercore ISI Group</td>
<td>Raises</td>
<td>Outperform</td>
<td>$232.00</td>
<td>$210.00</td>
</tr>
<tr>
<td>Peter Winter</td>
<td>DA Davidson</td>
<td>Raises</td>
<td>Neutral</td>
<td>$207.00</td>
<td>$192.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li>Action Taken: In response to dynamic market conditions and company performance, analysts update their recommendations. Whether they 'Maintain', 'Raise', or 'Lower' their stance, it signifies their reaction to recent developments related to M&amp;T Bank. This insight gives a snapshot of analysts' perspectives on the current state of the company.</li>
<li>Rating: Offering insights into predictions, analysts assign qualitative values, from 'Outperform' to 'Underperform'. These ratings convey expectations for the relative performance of M&amp;T Bank compared to the broader market.</li>
<li>Price Targets: Analysts predict movements in price targets, offering estimates for M&amp;T Bank's future value. Examining the current and prior targets offers insights into analysts' evolving expectations.</li>
</ul>
Understanding these analyst evaluations alongside key financial indicators can offer valuable insights into M&amp;T Bank's market standing. Stay informed and make well-considered decisions with our Ratings Table.
<a href="https://www.benzinga.com/quote/MTB/analyst-ratings?utm_source=Benzinga Insights">Stay up to date on M&amp;T Bank analyst ratings.</a>
<h2>Delving into M&amp;T Bank's Background</h2>
M&amp;T Bank is one of the largest regional banks in the United States, with branches in New York, Pennsylvania, West Virginia, Virginia, Maryland, Delaware, and New Jersey. The bank was founded to serve manufacturing and trading businesses around the Erie Canal and is primarily focused on commercial real estate and commercial-related lending, with some retail operations also present.
<h3>M&amp;T Bank: Financial Performance Dissected</h3>
Market Capitalization: Positioned above industry average, the company's market capitalization underscores its superiority in size, indicative of a strong market presence.
Revenue Growth: M&amp;T Bank's revenue growth over a period of 3 months has faced challenges. As of 30 September, 2024, the company experienced a revenue decline of approximately -0.13%. This indicates a decrease in the company's top-line earnings. As compared to competitors, the company encountered difficulties, with a growth rate lower than the average among peers in the Financials sector.
Net Margin: M&amp;T Bank's net margin is below industry standards, pointing towards difficulties in achieving strong profitability. With a net margin of 28.9%, the company may encounter challenges in effective cost control.
Return on Equity (ROE): M&amp;T Bank's ROE lags behind industry averages, suggesting challenges in maximizing returns on equity capital. With an ROE of 2.58%, the company may face hurdles in achieving optimal financial performance.
Return on Assets (ROA): M&amp;T Bank's ROA stands out, surpassing industry averages. With an impressive ROA of 0.32%, the company demonstrates effective utilization of assets and strong financial performance.
Debt Management: M&amp;T Bank's debt-to-equity ratio surpasses industry norms, standing at 0.53. This suggests the company carries a substantial amount of debt, posing potential financial challenges.
<h2>The Core of Analyst Ratings: What Every Investor Should Know</h2>
Ratings come from analysts, or specialists within banking and financial systems that report for specific stocks or defined sectors (typically once per quarter for each stock). Analysts usually derive their information from company conference calls and meetings, financial statements, and conversations with important insiders to reach their decisions.
Analysts may supplement their ratings with predictions for metrics like growth estimates, earnings, and revenue, offering investors a more comprehensive outlook. However, investors should be mindful that analysts, like any human, can have subjective perspectives influencing their forecasts.
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This article was generated by Benzinga's automated content engine and reviewed by an editor.

Breaking Down M&T Bank: 13 Analysts Share Their Views

DA Davidson analyst Peter Winter maintains M&amp;T Bank (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MTB#NYSE">MTB</a>) with a Neutral and raises the price target from $222 to $223.

DA Davidson Maintains Neutral on M&T Bank, Raises Price Target to $223

Truist Securities analyst Brian Foran reiterates M&amp;T Bank (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MTB#NYSE">MTB</a>) with a Buy and raises the price target from $233 to $236.

Reiteration

Truist Securities Reiterates Buy on M&T Bank, Raises Price Target to $236

Wall Street paused for a breather on Thursday, following Wednesday's big rally sparked by a softer-than-predicted December inflation report that fueled speculation on the Federal Reserve delivering interest rate <a href="https://www.benzinga.com/economics/macro-economic-events/25/01/43003047/stocks-rise-on-core-inflation-slowdown-banks-rally-after-strong-q4-earnings-treasury-yields-plummet">cuts during the year. </a>
By midday, stocks were little changed as attention shifted to the next major event: Donald Trump's inauguration as 47th U.S. president on Monday.
On the data front, December retail sales rose 0.4% from the previous month, a slower pace than November's 0.8% increase and below expectations of 0.6%. Jobless claims climbed by 16,000 to 217,000, slightly higher than <a href="https://www.benzinga.com/economics/macro-economic-events/25/01/43027744/retail-sales-slow-jobless-claims-rise-is-us-consumer-loosing-steam">the projected 210,000. </a>
See Also: <a href="https://www.benzinga.com/25/01/43020430/cathie-wood-sounds-alarm-over-inflation-pressures-and-consumer-woes-peter-schiff-flags-oil-spike-what-economists-are-saying">Cathie Wood Says Inflation Worries Dampen Expectations, Schiff Singles Out Wall Street For Swallowing Narrative Even As Prices Soar</a>
The weaker data sent Treasury yields lower, with the 10-year yield slipping four basis points to 4.61%, extending the previous day's 14-basis-point decline.
Falling yields helped gold climb 0.9% to $2,970 per ounce, reaching a two-month high as investors moved toward safe-haven assets. 
Semiconductor stocks stood out the best-performing industry, with the iShares Semiconductor ETF (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SOXX#NASDAQ">SOXX</a>) gaining 1.8%. Taiwan Semiconductor Manufacturing Co. Ltd. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/TSM#NYSE">TSM</a>) jumped more than 5% after delivering strong quarterly earnings, lifting the broader chip industry. Applied Materials Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AMAT#NASDAQ">AMAT</a>) and ASML Holding N.V. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/ASML#NASDAQ">ASML</a>) advanced 7% and 6%, respectively.
Oil prices pulled back 2.6%, giving up part of Wednesday's 4% gain. Traders speculated that Trump's policies could ease sanctions on Russian energy exports as part of a broader effort to negotiate peace in Ukraine. 
Bitcoin (CRYPTO: <a class="ticker" href="https://www.benzinga.com/quote/btc/usd">BTC</a>) edged down 1% to $99,000, following a slight pullback across cryptocurrency markets.
<h3 class="wp-block-heading">Thursday&#8217;s Performance In Major US Indices, ETFs</h3>
<figure class="wp-block-table is-style-stripes"> 
<table>
<tbody>
<tr>
<td>Major Indices</td>
<td>Price</td>
<td>1-day %chg</td>
</tr>
<tr>
<td>S&amp;P 500</td>
<td>5,958.43</td>
<td>0.1%</td>
</tr>
<tr>
<td>Dow Jones</td>
<td>43,255.53</td>
<td>0.1%</td>
</tr>
<tr>
<td>Russell 2000</td>
<td>2,264.04</td>
<td>0.0%</td>
</tr>
<tr>
<td>Nasdaq 100</td>
<td>21,239.38</td>
<td>0.0%</td>
</tr>
</tbody>
</table>
<figcaption class="wp-element-caption">Updated 12:40 p.m. ET</figcaption></figure>
According to&nbsp;<a href="https://bzresearch.myclickfunnels.com/benzinga-pro-content-webinar-registration/?utm_source=BZprocontent011525&amp;t=be2bearmibe3na1" target="_blank" rel="noreferrer noopener">Benzinga Pro</a>&nbsp;data:
<ul>
<li>The&nbsp;SPDR S&amp;P 500 ETF Trust&nbsp;(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SPY#NYSE">SPY</a>) remained unchanged at $593.10.</li>
<li>The&nbsp;SPDR Dow Jones Industrial Average&nbsp;(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DIA#NYSE">DIA</a>)&nbsp;flattened at $432.18.</li>
<li>The tech-heavy&nbsp;Invesco QQQ Trust Series&nbsp;(NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/QQQ#NASDAQ">QQQ</a>) was unchanged at $516.54.</li>
<li>The&nbsp;iShares Russell 2000 ETF&nbsp;(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/IWM#NYSE">IWM</a>) inched 0.1% to $224.31.</li>
<li>The&nbsp;Utilities Select Sector SPDR Fund (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/XLU#NYSE">XLU</a>) outperformed, up 2.1%; the&nbsp;Health Care Select Sector SPDR Fund&nbsp;(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/XLV#NYSE">XLV</a>) lagged, down 0.5%.</li>
</ul>
<h3 class="wp-block-heading">Thursday&#8217;s Stock Movers</h3>
<ul>
<li>Bank of America Corp. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BAC#NYSE">BAC</a>) fell 2% following quarterly earnings. Peer Morgan Stanley (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MS#NYSE">MS</a>) rose 2.7%.</li>
<li>Other stocks reacting to earnings were UnitedHealth Group Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/UNH#NYSE">UNH</a>), down 4.7%, Infosys Ltd. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/INFY#NYSE">INFY</a>), down 5.2%, PNC Financial Services Group Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PNC#NYSE">PNC</a>), down 2%, U.S. Bancorp (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/USB#NYSE">USB</a>), down 5.3%, M&amp;T Bank Corporation (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MTB#NYSE">MTB</a>), down 2.8%, First Horizon Corp. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/FHN#NYSE">FHN</a>). </li>
<li>Tesla Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/TSLA#NASDAQ">TSLA</a>) fell by 3.6% after the EV giant announced reduced selling prices on its Cybertruck, in a strategy to revive demand. </li>
<li>Apple Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AAPL#NASDAQ">AAPL</a>) dropped 3% after the European Commission's competition chief confirmed that the investigation into the company under the Digital Markets Act will move forward as scheduled, with enforcement anticipated by March 2024.</li>
</ul>
Check Out: 
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<li><a href="https://www.benzinga.com/general/travel/25/01/43036258/polar-vortex-brings-winters-coldest-air-for-trumps-inauguration-day-what-it-means-for-utilities-retailers-energy-stocks">Polar Vortex Brings Winter&#8217;s Coldest Air For Trump&#8217;s Inauguration Day: What It Means For Utilities, Retailers, Energy Stocks</a></li>
</ul>
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<ul>
<li>M&amp;T's capital position continues to strengthen as the CET1 capital ratio increased for the seventh consecutive quarter to an estimated 11.67% at December 31, 2024, representing a 13 basis-point increase from 11.54% at September 30, 2024. M&amp;T repurchased shares of its common stock for a total cost of $200 million, including the share repurchase excise tax, in the fourth quarter of 2024.</li>
</ul>

Earnings

M&T's CET1 Capital Ratio Rose For The Seventh Straight Quarter To 11.67% As Of December 31, 2024, Up 13 Basis Points From September

M&amp;T Bank (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MTB#NYSE">MTB</a>) reported quarterly earnings of $3.92 per share which beat the analyst consensus estimate of $3.73 by 5.09 percent. This is a 39.5 percent increase over earnings of $2.81 per share from the same period last year. The company reported quarterly sales of $2.385 billion which beat the analyst consensus estimate of $2.340 billion by 1.93 percent. This is a 3.70 percent increase over sales of $2.300 billion the same period last year.

Earnings Beats

M&T Bank Q4 2024 Adj. EPS $3.92 Beats $3.73 Estimate, Sales $2.385B Beat $2.340B Estimate

Press Releases

M&T Bank Appoints Neeraj Singh as New Chief Risk Officer

M&T Bank Corporation to Participate in the RBC Financial Institutions Conference

Wilmington Trust Names Dave DiLuigi Head of U.S. Markets

Dividends

M&T Bank Corporation Announces First Quarter Common Stock Dividend

M&T Bank Recognized for Its Commitment to Serving Small-Business and Middle-Market Customers

In Annual Letter, M&T Bank Chairman and CEO René Jones Reflects on the Enduring Fundamentals that Sustain Long-Term Performance

M&T Bank Appoints Carmen Magistro as Northern Pennsylvania Regional President

M&T Bank Corporation Announces First Quarter 2025 Earnings Release and Conference Call

M&T Bank Appoints Charles Pinckney as Hudson Valley Regional President

M&T CHARITABLE FOUNDATION ANNOUNCES $4.9 MILLION IN GRANTS TO 51 NONPROFITS ACROSS NEW ENGLAND, LONG ISLAND, AND WESTCHESTER COUNTY, NY

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