MTB - NYSE
M&T Bank Corporation
$214.03
-1.5%M&T Bank Corporation operates as a bank holding company that provides commercial and retail banking services. The company's Business Banking segment offers deposit, lending, cash management, and other financial services to small businesses and professionals. Its Commercial Banking segment provides deposit products, commercial lending and leasing, letters of credit, and cash management services for middle-market and large commercial customers. The company's Commercial Real Estate segment originates, sells, and services commercial real estate loans; and offers deposit services. Its Discretionary Portfolio segment provides deposits; securities, residential real estate loans, and other assets; and short and long term borrowed funds, as well as foreign exchange services. The company's Residential Mortgage Banking segment offers residential real estate loans for consumers and sells those loans in the secondary market; and purchases servicing rights to loans originated by other entities. Its Retail Banking segment offers demand, savings, and time accounts; consumer installment loans, automobile and recreational finance loans, home equity loans and lines of credit, and credit cards; mutual funds and annuities; and other services. The company also provides trust and wealth management; fiduciary and custodial; insurance agency; institutional brokerage and securities; and investment management services. It offers its services through banking offices, business banking centers, telephone and internet banking, and automated teller machines. As of December 31, 2021, the company operates 688 domestic banking offices in New York State, Maryland, New Jersey, Pennsylvania, Delaware, Connecticut, Virginia, West Virginia, and the District of Columbia; and a full-service commercial banking office in Ontario, Canada. M&T Bank Corporation was founded in 1856 and is headquartered in Buffalo, New York.
At a Glance
Live SnapshotM&T Bank Corporation Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Significant FCF decline raises concerns. Urgent review needed of operational performance and capital allocation.
Working Capital Impact
Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.
Cash Flow Quality Insight
Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.
M&T Bank Corporation Cash Flow Statement
MTB • NYSE
| M&T Bank Corporation Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
2.9B | 2.6B | 2.7B | 2B | 1.9B | 1.4B | 1.9B | 1.9B | 1.4B | 1.3B | 1.1B | 1.1B | 1.1B | 1B | 859.5M | 736.2M | 379.9M | 555.9M | 654.3M | 839.2M | |
498M | 508M | 497M | 435M | 324.2M | 320.3M | 301.3M | 179M | 197.1M | 200.6M | 175.3M | 198.7M | 203.7M | 204.6M | 197.8M | 182.4M | 190.9M | 185.8M | 178.2M | 175.9M | |
0.0 | -27M | -97M | -30M | 87.2M | -31.3M | 57.5M | 15.9M | 400.8M | 174M | 396.6M | 92.8M | 139.8M | 131.9M | 33.9M | 51.1M | 82.5M | -17M | -44.7M | -68.2M | |
136M | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
-76M | 620M | 400M | 372M | -77.1M | 801.6M | 215.2M | 133.3M | 130M | 147.8M | 111.3M | 123.7M | 75M | 260.9M | 253.5M | 458.7M | 775.1M | 577.1M | 326.3M | 74.8M | |
(0.0) | (236M) | (452M) | (488M) | (314M) | (275.6M) | (320.5M) | (375.1M) | (494.2M) | (276.9M) | (378.7M) | (411.9M) | (389M) | (405.6M) | (251.8M) | (287.7M) | (19.5M) | (290.3M) | (370.1M) | (345.8M) | |
-406M | -79M | 364M | 1.8B | 521.7M | -1.7B | -145.7M | -156.4M | 645.8M | -654.1M | -20.5M | -382.5M | -624.7M | -1.1B | 427.6M | 247.4M | -239.1M | 326.6M | 220.7M | -481.8M | |
3B | 3.6B | 3.9B | 4.6B | 2.7B | 789.2M | 2.4B | 2.1B | 2.8B | 1.2B | 1.7B | 1.1B | 932.3M | 500M | 1.8B | 1.7B | 1.2B | 1.6B | 1.3B | 539.9M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
-1.2B | -216M | -256M | -214M | -149M | -172.3M | -178M | -97.7M | -79M | -107.7M | -81.9M | -73.2M | -129.6M | -91.5M | -70M | -70.5M | -59M | -72.2M | -56.7M | -92M | |
-683M | (0.0) | (0.0) | (394M) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | -1.9B | (0.0) | (0.0) | (0.0) | -151.1M | (213.2M) | (203M) | (0.0) | -239M | (0.0) | |
-9.4B | -14.9B | -4.5B | -9.6B | -2.3B | -48.6M | -1.5B | -1.3B | -1.8B | -3.8B | -3.7B | -5.4B | -2.2B | -327.1M | -3.6B | -1.5B | -710.1M | -1.3B | -2.4B | -867.3M | |
6.8B | 8B | 2.9B | 2.6B | 2.1B | 2.6B | 5B | 3.1B | 3.4B | 3.1B | 8.9B | 1.5B | 2.4B | 2B | 3.6B | 1.9B | 2.6B | 2.2B | 2.4B | 2B | |
-2.4B | 6.6B | -6B | 23.4B | -13.2B | -24.4B | -2.5B | -3.1B | 1.9B | 89.7M | 4.6B | -7.7B | -2.3B | -5.7B | 519.3M | -133.6M | 517.7M | -3B | -4.5B | -1.4B | |
-6.8B | -550M | -7.9B | (16.6B) | -13.6B | -22B | (727M) | -1.4B | (3.4B) | -720.8M | (7.7B) | -11.7B | -2.2B | -4.1B | (368.9M) | (475.4M) | (2.5B) | -2.3B | -4.8B | -366.7M | |
FINANCING ACTIVITIES | ||||||||||||||||||||
-2.2B | -13M | -594M | -1.8B | 0.0 | -373.8M | -1.3B | -2.2B | -1.2B | -641.3M | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -508.4M | -373.9M | |
-758M | 232M | 6B | 2.7B | -856M | -2.7B | -5.9B | 4.5B | -1.3B | -3.1B | -9.6B | 3.9B | -275.5M | -1.8B | -2.1B | -4B | -3.1B | -1.2B | 5.3B | -1.4B | |
-1B | -1B | -968M | -881M | -648M | -636.4M | -619.6M | -582.9M | -530.1M | -523.2M | -456.3M | -441.4M | -418.8M | -411.2M | -398.3M | -375.5M | -357.7M | -308.5M | -281.9M | -249.8M | |
-2.6B | -746M | -594M | -1.8B | -495M | -373.8M | -1.7B | -2.2B | -1.2B | -1.1B | -3.3B | (0.0) | (0.0) | (0.0) | -370M | (0.0) | -1.5B | (0.0) | -508.4M | -373.9M | |
5.8B | -2.1B | -230M | -21B | 11.7B | 25B | 4.6B | -2.3B | -3.1B | 3.7B | 574.2M | 6.6B | 1.7B | 6.3B | 773.8M | 1.9B | -519.8M | 1.3B | -965.8M | 1.9B | |
1.8B | -2.9B | 4.2B | -21B | 10.7B | 21.3B | -3.3B | -495.3M | -6.1B | -510.1M | -9.5B | 10.3B | 957.6M | 4.1B | -1.6B | -2.5B | -4B | 435.9M | 3.6B | -38.7M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
-2B | 178M | 211M | 182.7M | -215M | 116.4M | -169.1M | 184.6M | 100.3M | -47.5M | -5.3M | -299.6M | -313.7M | 534.2M | 518.6M | -312.6M | -321.8M | -199.4M | 142.6M | 134.5M | |
20.8B | 1.7B | 1.5B | 1.3B | 1.6B | 1.4B | 1.6B | 1.4B | 1.3B | 1.4B | 1.4B | 1.7B | 2B | 1.5B | 933.8M | 1.2B | 1.6B | 1.8B | 1.6B | 1.5B | |
18.8B | 1.9B | 1.7B | 1.5B | 1.3B | 1.6B | 1.4B | 1.6B | 1.4B | 1.3B | 1.4B | 1.4B | 1.7B | 2B | 1.5B | 933.8M | 1.2B | 1.6B | 1.8B | 1.6B | |
2.9B | 3.4B | 3.6B | 4.4B | 2.6B | 616.9M | 2.2B | 2B | 2.7B | 1.1B | 1.7B | 1B | 802.8M | 408.5M | 1.7B | 1.6B | 1.1B | 1.5B | 1.2B | 447.9M |
SEC Filings
MTB - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
10-Q 10-Q 2026 Q1 Q1 | May 05, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 01, 2026 | May 01, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 23, 2026 | April 21, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 20, 2026 | April 20, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 15, 2026 | April 15, 2026 | 2026 | |
8-K 8-K 2026 N/A | March 30, 2026 | March 30, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | March 10, 2026 | April 21, 2026 | 2026 | |
10-K 10-K 2025 FY FY | February 18, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | February 11, 2026 | February 11, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 16, 2026 | January 16, 2026 | 2026 |
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