M&T Bank Corporation Cash Flow Quality Index
M&T Bank Corporation 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. See MTB free cash flow debt coverage to measure the company's free cash flow as a share of total liabilities.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Cash Flow Quality Index of M&T Bank Corporation (1989–2025)
Cash flow quality index of M&T Bank Corporation from 1989 to 2025. Historical Cash Flow Quality Index for M&T Bank Corporation across 37 annual periods. Values consistently above 1.0x indicate high-quality earnings. Explore cash flow to debt ratio of M&T Bank Corporation to assess how comfortably operating cash covers total debt obligations.
M&T Bank Corporation Cash Flow Quality Index by Year (1989–2025)
M&T Bank Corporation cash flow quality index by year from 1989 to 2025. Year-by-year earnings quality comparison for M&T Bank Corporation. For the full cash flow conversion analysis, see how efficiently does M&T Bank Corporation generate cash.
| 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 | — |