Arch Capital vs M&T Bank

Arch Capital and M&T Bank compare their business models, financial performance, and market context on this page. The content provides a neutral overview of each company’s activities, strengths, and positioning within their sectors to help readers understand differences in strategy and focus. Educational content, not financial advice.

Arch Capital and M&T Bank compare their business models, financial performance, and market context on this page. The content provides a neutral overview of each company’s activities, strengths, and po...

Comparison Snapshot

Key Financial Metrics

ACGL

Metric

MTB

$33.29B

Market Cap

$32.15B

16.43%

Potential Profit

3.70%

Buy

Analyst Rating

Buy

Why It's Moving

Arch Capital Boosts Share Buyback by $2B, Signaling Strong Capital Confidence Amid Recent Dip.

Board hiked buyback program by $2B, leaving ~$2.3B available post-Q3 2025 repurchases, to flexibly deploy excess capital.
CEO Nicolas Papadopoulo emphasized capital allocation's role in driving shareholder value through underwriting strength.
Upcoming earnings forecast EPS of $2.34 (up 3.54% YoY) and revenue of $4.73B (up 3.97% YoY), with stock trading at discounted Forward P/E of 10.19.

Sentiment:

🐃Bullish

M&T Bank Delivers Q4 Earnings Beat with Record Profits, Bolstering Margin Strength Amid Regional Bank Scrutiny.

EPS topped consensus by $0.25 at $4.72, with revenue edging out estimates at $2.48 billion, highlighting stronger-than-expected profitability from higher NII and mortgage banking rebound.
Net margins hit 31% through tighter cost controls, up from prior year, reinforcing efficiency gains even as operating expenses drew investor caution.
Asset quality sharpened with non-accruals down 26% and CET1 at 10.84%, positioning M&T for opportunistic buybacks, dividends, and M&A in 2026.

Sentiment:

🐃Bullish

Arch Capital Boosts Share Buyback by $2B, Signaling Strong Capital Confidence Amid Recent Dip.

Board hiked buyback program by $2B, leaving ~$2.3B available post-Q3 2025 repurchases, to flexibly deploy excess capital.
CEO Nicolas Papadopoulo emphasized capital allocation's role in driving shareholder value through underwriting strength.
Upcoming earnings forecast EPS of $2.34 (up 3.54% YoY) and revenue of $4.73B (up 3.97% YoY), with stock trading at discounted Forward P/E of 10.19.

Sentiment:

🐃Bullish

M&T Bank Delivers Q4 Earnings Beat with Record Profits, Bolstering Margin Strength Amid Regional Bank Scrutiny.

EPS topped consensus by $0.25 at $4.72, with revenue edging out estimates at $2.48 billion, highlighting stronger-than-expected profitability from higher NII and mortgage banking rebound.
Net margins hit 31% through tighter cost controls, up from prior year, reinforcing efficiency gains even as operating expenses drew investor caution.
Asset quality sharpened with non-accruals down 26% and CET1 at 10.84%, positioning M&T for opportunistic buybacks, dividends, and M&A in 2026.

Sentiment:

🐃Bullish

Investment Analysis

Arch Capital

ACGL

Pros

Arch Capital posted a 23.8% annualized net income return on average common equity in Q3 2025, reflecting strong profitability.
The company demonstrated record underwriting profit with a significant increase in underwriting income driven by lower catastrophic losses.
Book value per common share increased by 5.3% in Q3 2025, signaling growing shareholder equity and capital strength.

Considerations

Combined ratio excluding catastrophe and prior year development rose slightly to 80.5%, indicating some pressure on underwriting efficiency.
Revenues in Q3 2025 missed analyst expectations, suggesting potential challenges in top-line growth.
Despite strong recent performance, Arch faces risks from natural catastrophes and regulatory changes impacting the insurance sector.

M&T Bank

MTB

Pros

M&T Bank Corp manages a diversified portfolio with over 1,500 holdings valued at around $27.5 billion, enhancing risk management and income streams.
The bank’s portfolio includes strong positions in leading technology and diversified ETFs supporting stable asset growth.
M&T’s exposure to broad market equities and emerging market funds provides potential for capital appreciation amid global market recovery.

Considerations

M&T Bank’s portfolio concentration in technology stocks and ETFs may expose it to sector volatility and market corrections.
Lack of detailed current earnings data suggests uncertainty in near-term profitability and operational performance visibility.
Macroeconomic factors such as interest rate fluctuations and credit risks could negatively impact banking operations and loan performance.

About The Companies

Arch Capital (ACGL)

Arch Capital Group Ltd. (ACGL) is a Bermuda-based insurance and reinsurance group that provides property & casualty, mortgage insurance and specialty risk solutions globally. With a market capitalisation of about $32.73 billion, Arch operates through diverse underwriting platforms and invests premiums to support profitability. Key considerations for investors include underwriting discipline, reserving practices, catastrophe exposure and the sensitivity of returns to interest rates and market volatility. The group's capital position and reinsurance arrangements help absorb large losses, but results can swing with severe natural catastrophes or adverse claims developments. Arch's business is cyclical and shaped by pricing cycles in insurance markets, regulatory frameworks across jurisdictions and investment performance. This summary is for educational purposes only and not personalised investment advice; values can rise or fall and past performance is not a reliable indicator of future results. Prospective investors should assess suitability against their own objectives and consider seeking independent financial advice.

M&T Bank (MTB)

M&T Bank Corporation (MTB) is a regional U.S. commercial bank headquartered in Buffalo, New York, with a market capitalisation of around $28.1bn. The group focuses on commercial and retail banking, including commercial real estate, middle-market lending, and deposit services through a network of branches and digital channels. Historically known for conservative underwriting and pragmatic management, M&T has been a steady dividend payer and has grown through selective acquisitions. Key drivers for the bank include loan growth, net interest margin (sensitivity to interest-rate moves), and credit quality across its portfolio. Key risks include loan-loss experience during economic downturns, regulatory and compliance costs, competition from larger banks and fintech, and sensitivity to commercial real estate performance. This summary is educational and not personal advice; investors should consider their own objectives and seek regulated advice as needed. Past performance is not a guide to the future and the value of shares can fall as well as rise.

Arch Capital (ACGL) Next Earnings Date

Arch Capital Group (ACGL) is scheduled to release its next earnings on February 9, 2026, at 4:00 PM ET, covering the Q4 2025 period. This date aligns with the company's investor relations calendar and analyst consensus projections. A conference call will follow on February 10, 2026, at 10:00 AM ET to discuss the results.

M&T Bank (MTB) Next Earnings Date

M&T Bank's next earnings release is expected on April 14, 2026, covering the first quarter of 2026. This date aligns with the company's typical earnings release schedule, which has historically occurred in mid-April for Q1 results. Based on analyst expectations, the company is projected to report earnings per share of approximately $3.98 for that quarter. Investors should monitor this release for updates on the company's margin performance and cost management initiatives.

Arch Capital (ACGL) Next Earnings Date

Arch Capital Group (ACGL) is scheduled to release its next earnings on February 9, 2026, at 4:00 PM ET, covering the Q4 2025 period. This date aligns with the company's investor relations calendar and analyst consensus projections. A conference call will follow on February 10, 2026, at 10:00 AM ET to discuss the results.

M&T Bank (MTB) Next Earnings Date

M&T Bank's next earnings release is expected on April 14, 2026, covering the first quarter of 2026. This date aligns with the company's typical earnings release schedule, which has historically occurred in mid-April for Q1 results. Based on analyst expectations, the company is projected to report earnings per share of approximately $3.98 for that quarter. Investors should monitor this release for updates on the company's margin performance and cost management initiatives.

Which Baskets Do They Appear In?

Property & Casualty Insurers Gain On European Strength

German insurer Allianz recently announced a significant increase in its second-quarter profits, surpassing expectations and signaling strength in the European insurance market. This suggests that other major European insurance companies with robust property and casualty operations could also be poised for growth.

Published: August 7, 2025

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Extreme-Weather Insurance Innovators

This collection features forward-thinking companies using cutting-edge technology to insure against catastrophic weather events. As climate-related disasters become more frequent, these specialized insurers and data providers are positioned to become essential components of the global risk management landscape.

Published: June 17, 2025

Explore Basket

Which Baskets Do They Appear In?

Property & Casualty Insurers Gain On European Strength

German insurer Allianz recently announced a significant increase in its second-quarter profits, surpassing expectations and signaling strength in the European insurance market. This suggests that other major European insurance companies with robust property and casualty operations could also be poised for growth.

Published: August 7, 2025

Explore Basket

Extreme-Weather Insurance Innovators

This collection features forward-thinking companies using cutting-edge technology to insure against catastrophic weather events. As climate-related disasters become more frequent, these specialized insurers and data providers are positioned to become essential components of the global risk management landscape.

Published: June 17, 2025

Explore Basket

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Comparison Snapshot

Why It's Moving

Arch Capital Boosts Share Buyback by $2B, Signaling Strong Capital Confidence Amid Recent Dip.

M&T Bank Delivers Q4 Earnings Beat with Record Profits, Bolstering Margin Strength Amid Regional Bank Scrutiny.

Arch Capital Boosts Share Buyback by $2B, Signaling Strong Capital Confidence Amid Recent Dip.

M&T Bank Delivers Q4 Earnings Beat with Record Profits, Bolstering Margin Strength Amid Regional Bank Scrutiny.