M&T Bank Corporation Financial Flexibility Index
M&T Bank Corporation 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). See MTB free cash flow generation to measure how efficiently the company converts operating cash flow to free cash.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Financial Flexibility Index of M&T Bank Corporation (1989–2025)
Financial flexibility index of M&T Bank Corporation from 1989 to 2025. Historical Financial Flexibility Index trend for M&T Bank Corporation across 37 annual periods. Check how high is M&T Bank Corporation's earnings quality to evaluate the quality of earnings relative to operating cash generation.
M&T Bank Corporation Financial Flexibility Index by Year (1989–2025)
M&T Bank Corporation financial flexibility index by year from 1989 to 2025. Year-by-year free cash flow to debt coverage for M&T Bank Corporation. For the full cash flow conversion analysis, see MTB operating cash flow.
| 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 | — |