M&T Bank Corporation (MTB) — Financial Flexibility Index
M&T Bank Corporation (MTB) has a Financial Flexibility Index of 0.01x as of June 2026. Free cash flow of $2.40 Billion (operating CF $2.28 Billion minus capex $117.00 Million) represents 0% of total liabilities ($191.31 Billion). Check M&T Bank Corporation (MTB) reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
M&T Bank Corporation Financial Flexibility Index (1989–2025)
Historical Financial Flexibility Index trend for M&T Bank Corporation across 37 annual periods. For the full cash flow conversion analysis, see MTB cash flow conversion.
Annual Financial Flexibility Index for M&T Bank Corporation (1989–2025)
Year-by-year free cash flow to debt coverage for M&T Bank Corporation. Explore M&T Bank Corporation cash debt coverage ratio to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.02x | $3.15 Billion | $3.00 Billion | $184.33 Billion | ▼ -20.1% |
| 2024 | 0.02x | $3.83 Billion | $3.61 Billion | $179.08 Billion | ▼ -6.9% |
| 2023 | 0.02x | $4.16 Billion | $3.90 Billion | $181.31 Billion | ▼ -15.9% |
| 2022 | 0.03x | $4.79 Billion | $4.57 Billion | $175.41 Billion | ▲ +30.8% |
| 2021 | 0.02x | $2.86 Billion | $2.71 Billion | $137.20 Billion | ▲ +174.5% |
| 2020 | 0.01x | $961.48 Million | $789.19 Million | $126.41 Billion | ▼ -68.8% |
| 2019 | 0.02x | $2.54 Billion | $2.36 Billion | $104.16 Billion | ▲ +16.4% |
| 2018 | 0.02x | $2.19 Billion | $2.09 Billion | $104.64 Billion | ▼ -25.2% |
| 2017 | 0.03x | $2.86 Billion | $2.78 Billion | $102.34 Billion | ▲ +131.6% |
| 2016 | 0.01x | $1.29 Billion | $1.18 Billion | $106.96 Billion | ▼ -29.5% |
| 2015 | 0.02x | $1.82 Billion | $1.74 Billion | $106.61 Billion | ▲ +23.1% |
| 2014 | 0.01x | $1.17 Billion | $1.10 Billion | $84.35 Billion | ▼ -3.3% |
| 2013 | 0.01x | $1.06 Billion | $932.32 Million | $73.86 Billion | ▲ +77.0% |
| 2012 | 0.01x | $591.50 Million | $499.98 Million | $72.81 Billion | ▼ -69.7% |
| 2011 | 0.03x | $1.84 Billion | $1.77 Billion | $68.65 Billion | ▼ -8.3% |
| 2010 | 0.03x | $1.75 Billion | $1.68 Billion | $59.66 Billion | ▲ +43.3% |
| 2009 | 0.02x | $1.25 Billion | $1.19 Billion | $61.13 Billion | ▼ -30.1% |
| 2008 | 0.03x | $1.72 Billion | $1.63 Billion | $59.03 Billion | ▲ +18.1% |
| 2007 | 0.02x | $1.44 Billion | $1.33 Billion | $58.39 Billion | ▲ +98.8% |
| 2006 | 0.01x | $631.84 Million | $539.86 Million | $50.78 Billion | ▲ +63.3% |
| 2005 | 0.01x | $375.29 Million | $298.37 Million | $49.27 Billion | ▼ -55.8% |
| 2004 | 0.02x | $813.93 Million | $724.37 Million | $47.21 Billion | ▼ -40.0% |
| 2003 | 0.03x | $1.27 Billion | $1.24 Billion | $44.11 Billion | ▲ +31.6% |
| 2002 | 0.02x | $655.25 Million | $638.42 Million | $29.99 Billion | ▲ +249.9% |
| 2001 | 0.01x | $178.04 Million | $154.30 Million | $28.51 Billion | ▼ -55.1% |
| 2000 | 0.01x | $365.43 Million | $346.64 Million | $26.25 Billion | ▼ -54.4% |
| 1999 | 0.03x | $629.50 Million | $606.60 Million | $20.61 Billion | ▲ +985.6% |
| 1998 | 0.00x | $53.40 Million | $36.60 Million | $18.98 Billion | ▼ -90.2% |
| 1997 | 0.03x | $372.70 Million | $359.40 Million | $12.97 Billion | ▲ +35.9% |
| 1996 | 0.02x | $254.50 Million | $234.20 Million | $12.04 Billion | ▲ +86.4% |
| 1995 | 0.01x | $126.00 Million | $108.50 Million | $11.11 Billion | ▼ -67.7% |
| 1994 | 0.04x | $344.10 Million | $337.20 Million | $9.81 Billion | ▲ +63.3% |
| 1993 | 0.02x | $207.10 Million | $184.80 Million | $9.64 Billion | ▼ -44.9% |
| 1992 | 0.04x | $349.60 Million | $317.30 Million | $8.96 Billion | ▲ +16.7% |
| 1991 | 0.03x | $288.60 Million | $259.70 Million | $8.64 Billion | ▲ +166.7% |
| 1990 | 0.01x | $91.20 Million | $83.70 Million | $7.28 Billion | ▲ +135.6% |
| 1989 | 0.01x | $31.00 Million | $24.30 Million | $5.83 Billion | — |