M&T Bank Corporation (MTB) — Cash Flow Quality Index
M&T Bank Corporation (MTB) has a Cash Flow Quality Index of 1.54x as of June 2026. Operating cash flow of $2.28 Billion exceeds net income of $1.48 Billion, indicating high earnings quality where cash backs reported profits. Explore MTB operating cash flow to total debt to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
M&T Bank Corporation Cash Flow Quality Index (1989–2025)
Historical Cash Flow Quality Index for M&T Bank Corporation across 37 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see MTB cash generation efficiency.
Annual Cash Flow Quality Index for M&T Bank Corporation (1989–2025)
Year-by-year earnings quality comparison for M&T Bank Corporation.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.05x | $3.00 Billion | $2.85 Billion | ▼ -24.5% |
| 2024 | 1.39x | $3.61 Billion | $2.59 Billion | ▼ -2.1% |
| 2023 | 1.42x | $3.90 Billion | $2.74 Billion | ▼ -38.0% |
| 2022 | 2.30x | $4.57 Billion | $1.99 Billion | ▲ +57.2% |
| 2021 | 1.46x | $2.71 Billion | $1.86 Billion | ▲ +150.4% |
| 2020 | 0.58x | $789.19 Million | $1.35 Billion | ▼ -52.3% |
| 2019 | 1.22x | $2.36 Billion | $1.93 Billion | ▲ +12.2% |
| 2018 | 1.09x | $2.09 Billion | $1.92 Billion | ▼ -44.8% |
| 2017 | 1.98x | $2.78 Billion | $1.41 Billion | ▲ +119.5% |
| 2016 | 0.90x | $1.18 Billion | $1.32 Billion | ▼ -44.2% |
| 2015 | 1.61x | $1.74 Billion | $1.08 Billion | ▲ +56.6% |
| 2014 | 1.03x | $1.10 Billion | $1.07 Billion | ▲ +25.9% |
| 2013 | 0.82x | $932.32 Million | $1.14 Billion | ▲ +68.6% |
| 2012 | 0.49x | $499.98 Million | $1.03 Billion | ▼ -76.4% |
| 2011 | 2.06x | $1.77 Billion | $859.48 Million | ▼ -9.4% |
| 2010 | 2.28x | $1.68 Billion | $736.16 Million | ▼ -27.3% |
| 2009 | 3.13x | $1.19 Billion | $379.89 Million | ▲ +6.9% |
| 2008 | 2.93x | $1.63 Billion | $555.89 Million | ▲ +43.6% |
| 2007 | 2.04x | $1.33 Billion | $654.26 Million | ▲ +217.1% |
| 2006 | 0.64x | $539.86 Million | $839.19 Million | ▲ +68.6% |
| 2005 | 0.38x | $298.37 Million | $782.18 Million | ▼ -62.0% |
| 2004 | 1.00x | $724.37 Million | $722.52 Million | ▼ -53.5% |
| 2003 | 2.15x | $1.24 Billion | $573.94 Million | ▲ +63.7% |
| 2002 | 1.32x | $638.42 Million | $485.09 Million | ▲ +222.5% |
| 2001 | 0.41x | $154.30 Million | $378.07 Million | ▼ -66.3% |
| 2000 | 1.21x | $346.64 Million | $286.16 Million | ▼ -47.0% |
| 1999 | 2.28x | $606.60 Million | $265.60 Million | ▲ +1197.9% |
| 1998 | 0.18x | $36.60 Million | $208.00 Million | ▼ -91.4% |
| 1997 | 2.04x | $359.40 Million | $176.20 Million | ▲ +31.6% |
| 1996 | 1.55x | $234.20 Million | $151.10 Million | ▲ +87.1% |
| 1995 | 0.83x | $108.50 Million | $131.00 Million | ▼ -71.2% |
| 1994 | 2.87x | $337.20 Million | $117.30 Million | ▲ +58.7% |
| 1993 | 1.81x | $184.80 Million | $102.00 Million | ▼ -44.1% |
| 1992 | 3.24x | $317.30 Million | $97.90 Million | ▼ -16.1% |
| 1991 | 3.86x | $259.70 Million | $67.20 Million | ▲ +148.9% |
| 1990 | 1.55x | $83.70 Million | $53.90 Million | ▲ +224.0% |
| 1989 | 0.48x | $24.30 Million | $50.70 Million | — |