M&T Bank vs Brown & Brown

This page compares M&T Bank and Brown & Brown, examining their business models, financial performance, and market context in clear, neutral terms. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

MTB

Metric

BRO

$32.53B

Market Cap

$27.18B

4.50%

Potential Profit

22.87%

Buy

Analyst Rating

Hold

Why It's Moving

M&T Bank Hits 52-Week High on Earnings Strength and Steady Dividends

Q4 net income hit $759M with diluted EPS of $4.67, beating expectations and lifting full-year EPS to $17.00, underscoring earnings durability.
Stock touched $220.60 intraday, up 3.4% that day, as analysts like Royal Bank of Canada raised targets to $220 with an outperform nod.
Bank declared $1.50 common stock dividend and preferred dividends, reinforcing investor confidence in reliable payouts.

Sentiment:

🐃Bullish

M&T Bank Hits 52-Week High on Earnings Strength and Steady Dividends

Q4 net income hit $759M with diluted EPS of $4.67, beating expectations and lifting full-year EPS to $17.00, underscoring earnings durability.
Stock touched $220.60 intraday, up 3.4% that day, as analysts like Royal Bank of Canada raised targets to $220 with an outperform nod.
Bank declared $1.50 common stock dividend and preferred dividends, reinforcing investor confidence in reliable payouts.

Sentiment:

🐃Bullish

Investment Analysis

M&T Bank

MTB

Pros

M&T Bank delivered robust earnings growth, with Q3 2025 EPS exceeding forecasts and net income up 10% year-on-year.
The bank maintains a strong return on assets at 1.49% and improved net interest margin, reflecting effective asset management.
M&T Bank has a diversified portfolio and continues strategic investments in technology and sustainability to support long-term growth.

Considerations

Despite strong earnings, the stock has experienced volatility, with pre-market declines following positive results.
Net margin of 20.44% is less competitive compared to some peers, potentially constraining future profitability expansion.
Recent insider selling and low insider ownership may signal limited management confidence in near-term prospects.

Brown & Brown

BRO

Pros

Brown & Brown has demonstrated consistent growth in enterprise value, reflecting strong market positioning and financial resilience.
The company operates in a stable insurance brokerage sector with recurring revenue streams and a diversified client base.
Brown & Brown maintains a solid balance sheet and has a history of disciplined capital allocation and strategic acquisitions.

Considerations

Insurance brokerage is highly competitive, with pricing pressure and margin compression risks in certain segments.
Growth can be sensitive to economic cycles, with potential headwinds during periods of low interest rates or market downturns.
Enterprise value expansion may be limited by regulatory changes and increased compliance costs in the insurance sector.

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