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Top Buy/Sell (This Month)

Security Price Target price
Microsoft Corp. €387.00 €506.83
Alphabet Inc. A €289.35 €331.12
Schlumberger Ltd. €42.42 €52.02
Security Price Target price
Jetblue Airways Corp. €4.99 €3.44
Clorox Co. €83.88 €86.92
FMC Corp. €10.27 €17.97

sharewise BeanCounterBot AI-generated

The analysis provided is generated by an artificial intelligence system and is provided for informational purposes only. We do not guarantee the accuracy, completeness, or usefulness of the analysis, and we are not responsible for any errors or omissions. Use of the analysis is at your own risk.
Last updated at 2026-07-26

Financial analysis of M&T Bank

M&T Bank Corp – FY2025 Annual Report

M&T Bank appears to be in a steady if unspectacular financial position, with net income of $2.85 billion representing year-over-year growth of roughly 10%. The company's return on equity of 9.77% has improved modestly from the prior year's 8.92%, though it remains below the 10% levels seen in 2021 and 2023. Total assets grew by about 2.6% to $213.5 billion, while equity increased only marginally, resulting in continued high financial leverage of 7.3x—a common feature for a regional bank but one that bears watching in a rate-sensitive environment.

Net interest income was essentially flat at $6.95 billion, as lower interest income from loans and deposits was partly offset by a notable decline in interest expense. Total interest expense fell by roughly 15%, driven by lower costs on savings deposits and time deposits, which may reflect a stabilizing deposit pricing environment. Noninterest income grew by about 13%, with mortgage banking revenues rising to $550 million and trust income increasing to $724 million, both contributing to the improvement. The provision for credit losses declined to $505 million from $610 million, which could suggest an improving credit outlook, though the consumer loan allowance increased slightly. Overall, the bank’s margin trends appear to be expanding, with net income exceeding the prior year despite a relatively flat top line.

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Portfolios of our members

IT Kommunikationssoftware (Telefon und Internet)
Total
€87,056
Cash
€4,799.8
Performance (%)
-12.944%

Pros and Cons of these stocks (New Predictions)

O'Reilly Automotive Inc.

WKN: A1H5JY / Symbol: ORLY / Name: O'Reilly / Stock / Other Specialty Retailers / Large Cap /

Pros
2
Top 10 in its market
1
EBIT growth >5% per year expected
1
Medium risks for its business
Cons
1
Increased challenges to pay loans and raise capital
1
negative Cash Flow expected
1
Bad rating
Lumentum Holdings Inc

WKN: A14WK0 / Name: Lumentum Hldg / Stock / Communications & Networking / Mid Cap /

Pros
Cons
5
Below average Marketposition
5
Business model of the past or high risk
5
EBIT decline/stagnation expected
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Tops & Flops S&P 500

Security Price Change(%) (%)
MarketAxess Holdings €141.20 28.170%
FMC Corp. €10.27 15.850%
Huntington Ingalls €277.60 12.650%
Chipotle Mexican Grill Inc. €33.45 11.850%
Lincoln National €39.93 10.830%
Security Price Change(%) (%)
C.H. Robinson Worldwide Inc. €127.50 -16.430%
Lkq Corp. €19.60 -15.350%
L3Harris Technologies Inc. €235.70 -10.270%
Harris Corp. €235.70 -10.270%
Carvana Co. €53.29 -9.890%

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Key figures for stocks
Keeping an eye on the various key figures is important. We tell you what they mean.

Predictions

buy
Cinemark Holdings Inc.

Start price
Target price
Perf. (%)
€30.20
30.07.26
-
30.07.27
-
30.07.26

buy
Deutsche Bank AG

Start price
Target price
Perf. (%)
€32.08
30.07.26
-
30.07.27
-0.09%
07:31

buy
Danone S.A. ADR

Start price
Target price
Perf. (%)
€13.70
30.07.26
-
30.07.27
-
30.07.26

buy
Check Point Software Technologies Ltd.

Start price
Target price
Perf. (%)
€111.20
30.07.26
-
30.07.27
0.00%
30.07.26

Top News

News

OceanFirst (OCFC) Q2 Earnings: How Key Metrics Compare to Wall Street Estimates
OceanFirst (OCFC) Q2 Earnings: How Key Metrics Compare to Wall Street Estimates

For the quarter ended June 2026, OceanFirst Financial (OCFC) reported revenue of $131.33 million, up 32.2% over the same period last year. EPS came in at $0.43, compared to $0.31 in the year-ago

First Business Financial Services (FBIZ) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates
First Business Financial Services (FBIZ) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates

For the quarter ended June 2026, First Business Financial Services (FBIZ) reported revenue of $46.71 million, up 13.8% over the same period last year. EPS came in at $1.70, compared to $1.35 in the

Olin (OLN) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates
Olin (OLN) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates

For the quarter ended June 2026, Olin (OLN) reported revenue of $1.74 billion, down 0.9% over the same period last year. EPS came in at $0.07, compared to $0.05 in the year-ago quarter.

The reported

Ryan Specialty (RYAN) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates
Ryan Specialty (RYAN) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates

For the quarter ended June 2026, Ryan Specialty Group (RYAN) reported revenue of $916.65 million, up 7.2% over the same period last year. EPS came in at $0.74, compared to $0.66 in the year-ago

Standex International (SXI) Tops Q4 Earnings and Revenue Estimates
Standex International (SXI) Tops Q4 Earnings and Revenue Estimates

Standex International (SXI) came out with quarterly earnings of $2.45 per share, beating the Zacks Consensus Estimate of $2.35 per share. This compares to earnings of $2.28 per share a year ago

Western Union (WU) Lags Q2 Earnings Estimates
Western Union (WU) Lags Q2 Earnings Estimates

Western Union (WU) came out with quarterly earnings of $0.31 per share, missing the Zacks Consensus Estimate of $0.43 per share. This compares to earnings of $0.42 per share a year ago. These

MSA Safety (MSA) Surpasses Q2 Earnings and Revenue Estimates
MSA Safety (MSA) Surpasses Q2 Earnings and Revenue Estimates

MSA Safety (MSA) came out with quarterly earnings of $2.4 per share, beating the Zacks Consensus Estimate of $2.14 per share. This compares to earnings of $1.93 per share a year ago. These figures

Ryan Specialty Group (RYAN) Surpasses Q2 Earnings and Revenue Estimates
Ryan Specialty Group (RYAN) Surpasses Q2 Earnings and Revenue Estimates

Ryan Specialty Group (RYAN) came out with quarterly earnings of $0.74 per share, beating the Zacks Consensus Estimate of $0.61 per share. This compares to earnings of $0.66 per share a year ago

Universal Display Corp. (OLED) Surpasses Q2 Earnings Estimates
Universal Display Corp. (OLED) Surpasses Q2 Earnings Estimates

Universal Display Corp. (OLED) came out with quarterly earnings of $1.06 per share, beating the Zacks Consensus Estimate of $1.04 per share. This compares to earnings of $1.41 per share a year ago

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