M&T Bank Corporation (MTB) — Cash Flow-to-Debt Ratio
M&T Bank Corporation (MTB) has a Cash Flow-to-Debt Ratio of 0.01x as of March 2026, meaning its operating cash flow of $1.01 Billion could theoretically repay 0% of its total liabilities ($186.76 Billion) in one year. See M&T Bank Corporation free cash flow ratio to measure how efficiently the company converts operating cash flow to free cash.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
M&T Bank Corporation Cash Flow-to-Debt Ratio (1989–2025)
Historical debt coverage capacity for M&T Bank Corporation across 37 annual periods. Also explore M&T Bank Corporation net asset momentum to track the company's year-over-year net asset growth rate.
Annual Cash Flow-to-Debt Ratio for M&T Bank Corporation (1989–2025)
Year-by-year debt coverage analysis for M&T Bank Corporation. For market capitalisation and broader financial context, see MTB stock market capitalisation.
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.02x | $3.00 Billion | $184.33 Billion | ▼ -19.2% |
| 2024 | 0.02x | $3.61 Billion | $179.08 Billion | ▼ -6.4% |
| 2023 | 0.02x | $3.90 Billion | $181.31 Billion | ▼ -17.4% |
| 2022 | 0.03x | $4.57 Billion | $175.41 Billion | ▲ +31.8% |
| 2021 | 0.02x | $2.71 Billion | $137.20 Billion | ▲ +217.0% |
| 2020 | 0.01x | $789.19 Million | $126.41 Billion | ▼ -72.4% |
| 2019 | 0.02x | $2.36 Billion | $104.16 Billion | ▲ +13.3% |
| 2018 | 0.02x | $2.09 Billion | $104.64 Billion | ▼ -26.5% |
| 2017 | 0.03x | $2.78 Billion | $102.34 Billion | ▲ +145.7% |
| 2016 | 0.01x | $1.18 Billion | $106.96 Billion | ▼ -32.3% |
| 2015 | 0.02x | $1.74 Billion | $106.61 Billion | ▲ +25.4% |
| 2014 | 0.01x | $1.10 Billion | $84.35 Billion | ▲ +3.2% |
| 2013 | 0.01x | $932.32 Million | $73.86 Billion | ▲ +83.8% |
| 2012 | 0.01x | $499.98 Million | $72.81 Billion | ▼ -73.4% |
| 2011 | 0.03x | $1.77 Billion | $68.65 Billion | ▼ -8.1% |
| 2010 | 0.03x | $1.68 Billion | $59.66 Billion | ▲ +44.3% |
| 2009 | 0.02x | $1.19 Billion | $61.13 Billion | ▼ -29.5% |
| 2008 | 0.03x | $1.63 Billion | $59.03 Billion | ▲ +20.7% |
| 2007 | 0.02x | $1.33 Billion | $58.39 Billion | ▲ +115.0% |
| 2006 | 0.01x | $539.86 Million | $50.78 Billion | ▲ +75.5% |
| 2005 | 0.01x | $298.37 Million | $49.27 Billion | ▼ -60.5% |
| 2004 | 0.02x | $724.37 Million | $47.21 Billion | ▼ -45.2% |
| 2003 | 0.03x | $1.24 Billion | $44.11 Billion | ▲ +31.7% |
| 2002 | 0.02x | $638.42 Million | $29.99 Billion | ▲ +293.3% |
| 2001 | 0.01x | $154.30 Million | $28.51 Billion | ▼ -59.0% |
| 2000 | 0.01x | $346.64 Million | $26.25 Billion | ▼ -55.1% |
| 1999 | 0.03x | $606.60 Million | $20.61 Billion | ▲ +1426.3% |
| 1998 | 0.00x | $36.60 Million | $18.98 Billion | ▼ -93.0% |
| 1997 | 0.03x | $359.40 Million | $12.97 Billion | ▲ +42.4% |
| 1996 | 0.02x | $234.20 Million | $12.04 Billion | ▲ +99.2% |
| 1995 | 0.01x | $108.50 Million | $11.11 Billion | ▼ -71.6% |
| 1994 | 0.03x | $337.20 Million | $9.81 Billion | ▲ +79.4% |
| 1993 | 0.02x | $184.80 Million | $9.64 Billion | ▼ -45.9% |
| 1992 | 0.04x | $317.30 Million | $8.96 Billion | ▲ +17.7% |
| 1991 | 0.03x | $259.70 Million | $8.64 Billion | ▲ +161.5% |
| 1990 | 0.01x | $83.70 Million | $7.28 Billion | ▲ +175.8% |
| 1989 | 0.00x | $24.30 Million | $5.83 Billion | — |